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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 2026, 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 2026.
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 $80.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $600.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $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 Giveback from UHC EP-2 (PPO) features a drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy fills or three-month mail order supplies. Tier 2 generic medications carry a $14 copay for a one-month standard pharmacy supply, though you can receive a three-month supply with no copay through preferred mail order. For higher-tier medications, Tier 3 preferred brand drugs require an 18% coinsurance for both standard pharmacy and mail order fills. Tier 4 non-preferred drugs carry a 27% coinsurance for a one-month supply, while Tier 5 specialty drugs require a 26% coinsurance. This plan structure helps keep your everyday generic medications highly affordable while utilizing coinsurance for brand-name and specialty prescriptions.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC EP-2 (PPO) offers robust essential medical coverage with no copay for primary care visits, telehealth, annual physicals, and home health services. For inpatient hospital stays, members pay no coinsurance and a $470 daily copay for the first four days, followed by no copay for days five through ninety. Emergency care is covered with a $115 copay, which is waived upon hospital admission, while specialist visits and diagnostic lab services feature low-to-no copays and no coinsurance. Routine vision and hearing exams are covered with no copay, and the plan includes a $150 eyewear allowance every two years alongside affordable copays for prescription hearing aids. While preventive dental care has no copay or coinsurance, medical equipment, dialysis, and Medicare-covered dental require a 20% coinsurance. Many outpatient and specialized services require prior authorization, but they help keep your out-of-pocket costs predictable with no coinsurance.
Inpatient Hospital See details
Inpatient Hospital care covered by the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) requires no coinsurance and features a $470 daily copay for days 1-4 and no copay for days 5-90 per stay. Prior authorization is required, and while unlimited additional acute days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers outpatient services with no coinsurance, though prior authorization is required. There is no copay for ambulatory surgical center and blood services, while outpatient hospital services require a copay of $0 to $470 (including $470 daily for observation) and outpatient substance abuse sessions carry a copay of $0 to $25 for individual visits and $15 for group visits.
Partial Hospitalization See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan. Medicare-covered ground and air ambulance services require prior authorization and have a $285 copay with no coinsurance, but transportation services to plan-approved or health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $55 copay with no coinsurance. Therapy, psychiatry, and mental health services have copays ranging from $0 to $55 with no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered under the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan, offering no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and fitness benefits. However, sub-services such as health education, in-home safety assessments, PERS, medical nutrition therapy, weight management, alternative therapies, therapeutic massage, adult day health, home-based palliative care, in-home support, caregiver support, telemonitoring, and home safety devices are not covered.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan, which features annual routine hearing exams with no copay or coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) offers partially covered vision services with no coinsurance, featuring no copay for one routine eye exam per year and a $150 eyewear allowance every two years. Covered eyewear includes contact lenses and eyeglass frames with no copay, and lenses with a copay of $0 to $153, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered under the AARP Medicare Advantage Giveback from UHC EP-2 (PPO), featuring Medicare-covered dental with no copay and a 20% coinsurance, and preventive care with no copay and no coinsurance. However, comprehensive services such as restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, feature coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic equipment, with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Giveback from UHC EP-2 (PPO) with no coinsurance, though prior authorization is required. Lab services and diagnostic radiological services are available with no copay, while diagnostic procedures and outpatient x-rays require a $5 copay, and therapeutic radiological services carry a $60 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Giveback from UHC EP-2 (PPO) 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, prior hospital stays of three days are not necessary for admission, and additional days beyond Medicare-covered services are not covered.
Other Services See details
Other Services under the AARP Medicare Advantage Giveback from UHC EP-2 (PPO) are partially covered, offering 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 benefit.
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