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AARP Medicare Advantage Giveback from UHC EP-2 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC EP-2 (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 Giveback from UHC EP-2 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in New Mexico and Texas. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage Giveback from UHC EP-2 (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 Giveback from UHC EP-2 (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 Giveback from UHC EP-2 (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 $87.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $500.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $495.00 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 $14000.00 (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 $14000.00 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 Giveback from UHC EP-2 (PPO) plan has an enhanced alternative drug benefit. The plan has a $495 deductible. After the deductible, you will pay a copay for your prescriptions. For standard generic drugs, you will pay a $14 copay. For preferred brand drugs, you will pay a $100 copay, and for non-preferred drugs, you will pay 27% coinsurance.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan offers a range of benefits, including inpatient and outpatient hospital care, with varying copays depending on the service. You'll have no copay for primary care, preventive services, hearing exams, vision exams, and many other services. The plan also covers dental services with no copay for preventive care, and a 20% coinsurance for Medicare dental services. This plan provides coverage for emergency services, ambulance services, and home health services. It also includes coverage for home infusion, dialysis, and medical equipment, but may have coinsurance associated with these services. Additionally, the plan offers coverage for over-the-counter items and a meal benefit, both with no copay.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $475 copay for days 1-3, and no copay for days 4-90; additional days 91-999 have no copay. For Inpatient Hospital Psychiatric, you will pay a $475 copay for days 1-3, and no copay for days 4-90. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with copays ranging from $0 to $475, and observation services with a $475 copay. Ambulatory Surgical Center (ASC) Services have no copay, and Outpatient Substance Abuse Services cover both individual sessions, with copays ranging from $0 to $25, and group sessions with a $15 copay. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
The AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan covers ambulance services, including both ground and air ambulance, with a $290 copay, but does not include coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services include a $110 copay with no coinsurance, while Urgently Needed Services have a copay between $0-$45 with no coinsurance. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay and no coinsurance.
Primary Care See details
The AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan covers Primary Care Physician Services with no copay, Chiropractic Services with a $15 copay, Occupational Therapy Services with a copay between $0 and $35, and Physician Specialist Services with a copay between $0 and $55. Mental Health Specialty Services are covered with a $0-$25 copay for individual sessions and a $15 copay for group sessions, and Podiatry Services and Routine Foot Care are covered with a $45 copay. Other Health Care Professional services are covered with a $0-$55 copay, as are Psychiatric Services with a $0-$25 copay for individual sessions and a $15 copay for group sessions. Physical Therapy and Speech-Language Pathology Services are covered with a $0-$45 copay, and Additional Telehealth Benefits and Opioid Treatment Program Services are covered with no copay.
Preventive Services See details
The AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan covers preventive services, including an annual physical exam with no copay. Additional services like health education, in-home safety assessments, personal emergency response systems, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay. Routine hearing exams are covered with no copay, once per year. Prescription hearing aids are partially covered, with a copay between $199 and $1249 for all types, two per year; inner ear, outer ear, and over the ear hearing aids are not covered. OTC hearing aids are covered with a copay between $99 and $829, two per year. Fitting/evaluation for hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear coverage. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear benefits are covered with no copay for contact lenses, and eyeglass frames, while eyeglass lenses have a copay between $0 and $153. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services include coverage for Medicare dental services with 20% coinsurance, as well as oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services with no copay. Orthodontic, restorative, and other dental services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and coinsurance between 0% and 20%. Other Medicare Part B Drugs, as well as Medicare Part B Chemotherapy/Radiation Drugs, have coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with a coinsurance of 20%. Prior authorization is required.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Prosthetics/Medical Supplies have a 20% coinsurance for Medicare-covered devices and supplies. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with prior authorization required. Diagnostic Procedures/Tests have a $50 copay, Lab Services have no copay, Diagnostic Radiological Services have a copay of at most $250, Therapeutic Radiological Services have a coinsurance of at least 20%, and Outpatient X-Ray Services have a $35 copay.
Home Health Services See details
Home Health Services are covered 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 none of the sub-services are covered, including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, and Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan, with a $0 copay for days 1-20 and a $203 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) Items and Meal Benefit, both with no copay, but Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and many other services are not covered. OTC items include Nicotine Replacement Therapy and Naloxone coverage.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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