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AARP Medicare Advantage from UHC ID-0010 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ID-0010 (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 ID-0010 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ID-0010 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Idaho. 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 ID-0010 (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 ID-0010 (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 ID-0010 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $29.00. 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 $13900.00 (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 $13900.00 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 ID-0010 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay at standard pharmacies or for three-month mail orders. Tier 2 generic medications cost a $12 copay for a one-month supply at standard pharmacies, though you can secure a three-month supply with no copay through preferred mail order. Higher-tier prescription drugs are subject to coinsurance rather than flat copays under this plan. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacies and mail orders, while Tier 4 non-preferred drugs carry a 37% coinsurance. Tier 5 specialty tier medications have a 26% coinsurance for a one-month supply at standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC ID-0010 (PPO) offers comprehensive medical coverage featuring no copay for primary care visits, telehealth, and routine preventive services. For hospital care, inpatient stays require a $600 daily copay for the first three days and no copay for days four through 90, while emergency room visits carry a $115 copay that is waived upon admission. Outpatient services and specialist visits are also highly accessible, with specialist copays ranging from $0 to $55 and no coinsurance. This plan also includes valuable supplemental benefits, such as no copay for annual routine eye and hearing exams, alongside a $200 eyewear allowance every two years and hearing aid copays starting at $199. Preventive dental care is covered with no copay, while Medicare-covered dental services, dialysis, and durable medical equipment require a 20% coinsurance. Additionally, members can benefit from home health services with no copay or coinsurance, ensuring affordable care at home.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ID-0010 (PPO) inpatient hospital services are partially covered with no coinsurance, requiring a $600 daily copay for days 1 through 3 and no copay for days 4 through 90 per stay. While unlimited additional acute care days are covered with no copay, non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers outpatient services with no coinsurance, featuring copays of $0 to $600 for outpatient hospital services and $600 per day for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers primary care physician services and telehealth with no copay and no coinsurance, while specialists, physical therapy, and mental health services require copays ranging from $0 to $55 and no coinsurance. Chiropractic services are only partially covered, as routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers preventive services, including annual physical exams, kidney disease education, screenings, and a fitness benefit, with no copay and no coinsurance. These preventive services are partially covered, as supplemental options like health education, weight management programs, in-home safety assessments, and nutritional benefits are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) provides partially covered hearing services, including one annual routine exam with no copay and no coinsurance, while hearing aid evaluations and fittings are not covered. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copays ranging from $199.00 to $1,249.00, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) offers partially covered vision services with no coinsurance and no deductibles, featuring no copay for one routine annual eye exam and a $200 eyewear allowance every two years. Covered eyewear includes contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC ID-0010 (PPO) plan, offering Medicare-covered dental services with no copay and a 20% coinsurance, and preventive services like cleanings and exams with no copay and no coinsurance. However, several key services are not covered, including restorative treatments, endodontics, periodontics, prosthodontics, implants, and oral surgery.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC ID-0010 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and radiation, have no coinsurance to 20% coinsurance, while covered Part B insulin carries a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC ID-0010 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment benefits under AARP Medicare Advantage from UHC ID-0010 (PPO) cover durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, and diabetic therapeutic shoes or inserts carry a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ID-0010 (PPO) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. Members pay no copay for lab services, a $5 copay for diagnostic procedures and tests, a $30 copay for outpatient X-rays, and copays starting at $0 for diagnostic radiology and $60 for therapeutic radiology.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC ID-0010 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC ID-0010 (PPO), although prior authorization is required. In practice, the plan does not cover these services as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC ID-0010 (PPO) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and while a three-day prior hospital stay is not needed, additional days beyond the standard 100 days are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC ID-0010 (PPO), which offers a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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