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AARP Medicare Advantage from UHC CO-0015 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CO-0015 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage from UHC CO-0015 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-0015 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Colorado. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC CO-0015 (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage from UHC CO-0015 (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For AARP Medicare Advantage from UHC CO-0015 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $420.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $10100.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10100.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The AARP Medicare Advantage from UHC CO-0015 (PPO) plan has a $420.00 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy used. For example, for a standard pharmacy, you will pay a $10.00 copay for Tier 1 drugs, a $47.00 copay for Tier 2 drugs, and a $100.00 copay for Tier 3 drugs. For Tier 4 drugs, you will pay 28% coinsurance. After your yearly out-of-pocket drug costs reach $2000.00, you will pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0015 (PPO) plan offers a range of benefits with varying costs. For inpatient hospital stays, you'll pay a $325 copay for the first few days, with no copay for the majority of the stay. Outpatient services and preventive services like annual physical exams have no copay, while other services like specialist visits, hearing exams, and eye exams also have no copay. The plan includes coverage for ambulance services, with a $275 copay, and emergency services with a $125 copay. Dental services are covered with no copay for preventive care, and hearing and vision services are also included. Other benefits include home health services with no copay, and access to OTC items and a meal benefit with no copay.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $325 copay for days 1-5, and no copay for days 6-90; additional days 91-999 have no copay. For Inpatient Hospital Psychiatric, you will pay a $325 copay for days 1-4, and no copay for days 5-90. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, as well as Additional Days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services are covered, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay of $0-$325, observation services have a $325 copay, ambulatory surgical center services have no copay, individual outpatient substance abuse sessions have a copay of $0-$25, group outpatient substance abuse sessions have a $15 copay, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground and air ambulance services have a copay of $275, but there is no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including urgently needed services and worldwide emergency services, are covered by AARP Medicare Advantage from UHC CO-0015 (PPO). Emergency services have a $125 copay, and urgently needed services have a copay between $0 and $55. Worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation have no copay.
Primary Care See details
Primary Care Physician Services have no copay. Chiropractic Services have a $10 copay and require prior authorization. Occupational Therapy Services have a copay between $0 and $35 and also require prior authorization. Physician Specialist Services have a copay between $0 and $35, and require prior authorization. Mental Health Specialty Services have a copay for individual sessions between $0 and $25, and a $15 copay for group sessions; prior authorization is required. Podiatry Services and Other Health Care Professional have a copay between $35 and $35, and require prior authorization. Psychiatric Services have a copay for individual sessions between $0 and $25, and a $15 copay for group sessions; prior authorization is required. Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $35 and require prior authorization. Additional Telehealth Benefits have no copay. Opioid Treatment Program Services have no copay and require prior authorization.
Preventive Services See details
Preventive services include an annual physical exam with no copay, while additional preventive services, kidney disease education services, and other preventive services have a copay; however, some services such as Health Education, In-Home Safety Assessment, and others are not covered. Glaucoma screenings, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit have no copay.
Hearing Services See details
Hearing Services include hearing exams, prescription hearing aids, and OTC hearing aids. Hearing exams have no copay, and routine hearing exams are covered once per year. Prescription hearing aids have a copay between $199 and $1249, and OTC hearing aids have a copay between $99 and $829.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered with no copay for one exam every year. Eyewear has no copay, and includes contact lenses, eyeglass lenses, and eyeglass frames, with a combined maximum benefit of $300 every two years; however, eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, with a 20% coinsurance for Medicare dental services, and no copay for oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services. Orthodontic, restorative, adjunctive general, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and oral and maxillofacial surgery are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay, and coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC CO-0015 (PPO) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, is covered under the AARP Medicare Advantage from UHC CO-0015 (PPO) plan. Durable Medical Equipment (DME) has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetic devices and medical supplies have a 20% coinsurance, and diabetic supplies have no copay, while diabetic therapeutic shoes/inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a copay of $50, and lab services with no copay. Radiological services are covered, with a copay of up to $220 for diagnostic services, 20% coinsurance for therapeutic services, and a $25 copay for outpatient X-ray services.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC CO-0015 (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not. Prior authorization is required, and copay information is available.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC CO-0015 (PPO) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The AARP Medicare Advantage from UHC CO-0015 (PPO) plan's "Other Services" benefit includes Over-the-Counter (OTC) Items with no copay, and a Meal Benefit with no copay, though acupuncture, Dual Eligible SNPs with Highly Integrated Services, and other services like EPSDT, Private Duty Nursing, Case Management, and others are not covered. This plan offers nicotine replacement therapy and Naloxone coverage as an OTC benefit.
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