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AARP Medicare Advantage Extras from UHC EP-3 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC EP-3 (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 Extras from UHC EP-3 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC EP-3 (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 Extras from UHC EP-3 (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 Extras from UHC EP-3 (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 Extras from UHC EP-3 (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.
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 $465.00 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 Extras from UHC EP-3 (PPO) prescription drug plan features an annual drug deductible of $465. For Tier 1 preferred generic and Tier 2 generic medications, members enjoy no copay for 1-month or 3-month supplies at standard pharmacies, as well as for 3-month standard mail orders. This coverage structure ensures that common generic prescriptions are highly accessible with zero out-of-pocket copayments. For higher-tier medications, costs are structured around coinsurance percentages. Tier 3 preferred brand drugs require an 18% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs both carry a 27% coinsurance for a 1-month supply through standard pharmacies or standard mail order.
Additional Benefits
The AARP Medicare Advantage Extras from UHC EP-3 (PPO) plan offers comprehensive coverage with no copays and no coinsurance for primary care visits, telehealth, annual physicals, and home health services. For inpatient hospital stays, members pay a $495 daily copay for the first five days with no copay for the remaining days, while specialist visits require a copay of $0 to $55. Emergency services carry a $130 copay, which is waived if admitted, and urgent care features a copay of $0 to $50. Additionally, the plan provides strong supplemental benefits including preventive dental and routine vision exams with no copays, alongside a $3,000 annual maximum for dental care. Vision benefits also include a $200 eyewear allowance every two years, and hearing coverage includes an annual routine exam with no copay plus coverage for prescription and over-the-counter hearing aids. Members also benefit from over-the-counter items and up to 24 one-way transportation trips per year to approved locations with no copays or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) covers inpatient acute hospital stays with no coinsurance and a $495 daily copay for days 1 through 5, and psychiatric stays with a $495 daily copay for days 1 through 4, both offering no copay for remaining covered days. Prior authorization is required, and upgrades, psychiatric additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) covers outpatient services with no coinsurance, featuring a $0 to $495 copay for outpatient hospital services and a $495 daily copay for observation services. Ambulatory surgical center and outpatient blood services have no copays or coinsurance, while outpatient substance abuse sessions have copays ranging from $0 to $25 with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Extras from UHC EP-3 (PPO) plan with a $55 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance per service. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations via taxi or medical transport with no copay and no coinsurance, though transportation to non-approved health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Extras from UHC EP-3 (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 require a $0 to $50 copay 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 Extras from UHC EP-3 (PPO) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a copay of $0 to $55 and no coinsurance. Therapy services, including physical and occupational therapy, have copays up to $55 and no coinsurance, though routine chiropractic care is not covered. Other covered services like mental health, psychiatric, and podiatry care feature no coinsurance with copays ranging from $0 to $45.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Extras from UHC EP-3 (PPO) with no copay and no coinsurance for annual physicals, fitness benefits, home safety devices, and kidney disease education. Sub-services not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing Services are partially covered by AARP Medicare Advantage Extras from UHC EP-3 (PPO), featuring one routine hearing exam per year with no copay and no coinsurance, while fitting and evaluation services are not covered. Up to two prescription hearing aids (with copays of $199.00 to $1,249.00) and two OTC hearing aids (with copays of $199.00 to $829.00) are covered annually with no coinsurance, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Extras from UHC EP-3 (PPO), featuring no coinsurance and no copay for annual routine eye exams and contact lenses, alongside a combined $200 eyewear allowance every two years. Covered eyeglass frames have no copay, eyeglass lenses carry a copay of $0 to $153, and there is no deductible, though other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) offers partially covered dental services up to a $3,000 annual maximum, though implant services and orthodontics are not covered. Preventive services are available with no copay and no coinsurance, while Medicare-covered dental services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other Part B drugs carry a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Extras from UHC EP-3 (PPO) plan with no copay and 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Extras from UHC EP-3 (PPO), with prior authorization required for these services. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts have no copay and a 20% coinsurance, while diabetic supplies are covered with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Extras from UHC EP-3 (PPO) plan, with prior authorization required. Members pay no copay and no coinsurance for lab services, a $25 copay with no coinsurance for diagnostic tests, no copay for diagnostic radiological services, a $25 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Extras from UHC EP-3 (PPO) with no copay and no coinsurance, subject to prior authorization. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Extras from UHC EP-3 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and although a 3-day inpatient hospital stay is not required prior to admission, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services under the AARP Medicare Advantage Extras from UHC EP-3 (PPO) plan are partially covered, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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