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AARP Medicare Advantage from UHC CO-0017 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CO-0017 (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-0017 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-0017 (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 2026.
It's important to know that AARP Medicare Advantage from UHC CO-0017 (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-0017 (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-0017 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $80.00. 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 $600.00 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-0017 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for a 3-month supply via mail order. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, though you can secure a 3-month supply with no copay through preferred mail order. Brand-name and specialty prescriptions under this plan are subject to coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 17% coinsurance, while Tier 4 non-preferred drugs carry a 36% coinsurance for a 1-month supply. Specialty medications in Tier 5 are covered with a 26% coinsurance for a 1-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0017 (PPO) plan offers comprehensive medical coverage with no coinsurance for many primary services. You will pay no copay and no coinsurance for primary care visits, telehealth, and routine preventive care, while specialist visits require a copay of up to $50. For hospital stays, there is no coinsurance, but inpatient acute care requires a $455 copay for the first six days and outpatient hospital services feature copays up to $455. Supplemental services like routine vision exams, select eyewear, and preventive dental care are also covered with no copay and no coinsurance. Routine hearing exams feature no copay, though prescription hearing aids require copays ranging from $199.00 to $1,249.00. For durable medical equipment and dialysis, the plan requires no copay and a 20% coinsurance, while home health services and diagnostic lab tests are available with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CO-0017 (PPO) partially covers inpatient hospital services with no coinsurance. Acute stays require a $455 copay for days 1-6 and no copay for days 7-999, while psychiatric stays require a $455 copay for days 1-5 and no copay for days 6-90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CO-0017 (PPO) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital and observation services carry copays ranging from $0 to $455, while outpatient substance abuse sessions have copays between $0 and $25, with prior authorization required for most services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CO-0017 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC CO-0017 (PPO) with a $290.00 copay and no coinsurance for both ground and air transportation, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CO-0017 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC CO-0017 (PPO) feature no copay and no coinsurance for primary care and telehealth services, while specialist visits require a $0 to $50 copay and no coinsurance. Chiropractic services are partially covered, offering routine care for a $10 copay and no coinsurance while other chiropractic services are not covered, and physical and occupational therapy services require a $30 copay and no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC CO-0017 (PPO) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits, with no copay and no coinsurance. However, these benefits are only partially covered, as several additional services—such as health education, in-home safety assessments, medical nutrition therapy, and weight management programs—are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC CO-0017 (PPO) provides partially covered hearing services with no deductible and no coinsurance. Routine hearing exams are covered with no copay (one per year), but fitting and evaluation exams, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered. Covered prescription hearing aids require a copay of $199.00 to $1,249.00, and OTC hearing aids require a copay of $199.00 to $829.00, with both benefits limited to two devices per year.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC CO-0017 (PPO), featuring no deductible, no coinsurance, and no copay for routine eye exams and select eyewear, though other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered. Covered benefits include one routine eye exam annually and a $300 combined eyewear allowance every two years for contact lenses, frames, and lenses, which carry no coinsurance and copays ranging from $0 to $153.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC CO-0017 (PPO), offering Medicare-covered dental care with no copay and a 20% coinsurance, and preventive care with no copay and no coinsurance. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC CO-0017 (PPO) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B drugs (including chemotherapy and radiation) have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC CO-0017 (PPO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC CO-0017 (PPO) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, though prior authorization is required for most equipment and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage from UHC CO-0017 (PPO) plan with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, while diagnostic procedures and tests require a $5 copay, outpatient X-rays cost $30, and therapeutic radiological services have a copay starting at $60.
Home Health Services See details
AARP Medicare Advantage from UHC CO-0017 (PPO) covers home health services with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC CO-0017 (PPO) plan. However, only some services are covered in practice, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC CO-0017 (PPO) with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, though a prior three-day hospital stay is not, and additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CO-0017 (PPO) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other supplemental services are not covered under this plan.
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