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AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx CO-MA03 (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 Patriot No Rx CO-MA03 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx CO-MA03 (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 Patriot No Rx CO-MA03 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx CO-MA03 (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 Patriot No Rx CO-MA03 (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. Additionally, this plan comes with a Part B Premium reduction of $60.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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:
Sign up for AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan offers a range of benefits, including no copay for many services. This includes primary care, preventive services, routine hearing and vision exams, and many dental services. The plan also covers inpatient hospital stays with a copay, outpatient services with varying copays, and ambulance services with a copay. The plan also includes coverage for medical equipment with coinsurance, diagnostic and radiological services with copays and coinsurance, and home health services with no copay. However, some services like cardiac rehabilitation, additional hours of home care, and certain other services are not covered.
Inpatient Hospital See details
Inpatient Hospital coverage for the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan includes a $395 copay for days 1-7 and no copay for days 8-90 for Inpatient Hospital-Acute, and a $395 copay for days 1-5 and no copay for days 6-90 for Inpatient Hospital Psychiatric. Additional days for Inpatient Hospital-Acute are covered with no copay, but Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and Additional Days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are also not covered.
Outpatient Services See details
Outpatient services, including all outpatient hospital services, are covered by AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) with copays ranging from $0 to $395 depending on the service. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, while Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, and Group Sessions have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan, but requires prior authorization. You will have a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan. Ground and air ambulance services each have a $290 copay, with no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan. For Emergency Services, there is a $125 copay, and for Urgently Needed Services, the copay ranges from $0 to $55. Worldwide Emergency Services have a copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
Primary Care Physician Services, Physician Specialist Services, Physical Therapy and Speech-Language Pathology Services, and Additional Telehealth Benefits have no copay. Chiropractic Services have a $20 copay, while Occupational Therapy Services have a copay between $0 and $45. Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, and Opioid Treatment Program Services have varying copays depending on the service. Routine Chiropractic Care is not covered.
Preventive Services See details
Preventive services, including an annual physical exam, are covered with no copay. Other preventive services such as Health Education, In-Home Safety Assessment, and more are not covered.
Hearing Services See details
Hearing services include routine hearing exams with no copay, and prescription hearing aids with a copay between $199 and $1249, and OTC hearing aids with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay and include routine eye exams. Eyewear is partially covered, with contact lenses, eyeglass lenses, and eyeglass frames covered with no copay, and a combined maximum benefit of $250 every two years; eyeglass frames and upgrades are not covered.
Dental Services See details
Dental services are covered, with a 20% coinsurance for Medicare Dental Services, and other services covered with a maximum of $2000 per year. Oral exams, dental X-rays, other diagnostic services, prophylaxis (cleaning), fluoride treatment, and other preventive services are covered with no copay. Restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery are covered with no copay. Prosthodontics (removable and fixed) are covered with 0%-50% coinsurance. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered, with a coinsurance between 20% and 20%. Prior authorization is required.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan, with a 20% coinsurance for durable medical equipment. 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 and tests with a $45 copay, and lab services with no copay. Radiological services are covered with a copay of up to $250 for diagnostic services, a 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 Patriot No Rx CO-MA03 (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 not covered by the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan. This includes Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA03 (PPO) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100, and additional days beyond Medicare-covered for SNF and non-Medicare-covered stays are not covered.
Other Services See details
Other services include coverage for Over-the-Counter (OTC) Items and Meal Benefits, with no copay for OTC items, and no copay for meal benefits. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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