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AARP Medicare Advantage Access from UHC AZ-15 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Access from UHC AZ-15 (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 Access from UHC AZ-15 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Access from UHC AZ-15 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Arizona. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Access from UHC AZ-15 (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 Access from UHC AZ-15 (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 Access from UHC AZ-15 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $295.00. 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 $3000.00 (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 $3000.00 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 Access from UHC AZ-15 (PPO) plan features an Enhanced Alternative drug benefit with a $600.00 annual prescription drug deductible. Once this deductible is met, you enter the initial coverage phase where standard pharmacy costs include an $8.00 copay for Tier 1 preferred generics and a 19% coinsurance for Tier 2 standard generics. Tier 3 preferred brands and Tier 4 non-preferred drugs carry coinsurance rates of 40% and 26% respectively across standard pharmacies and mail-order options. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D prescription drugs. Additionally, individuals who qualify for the low-income subsidy or Extra Help will see their Part D cost reduced to $14.30.
Additional Benefits
The AARP Medicare Advantage Access from UHC AZ-15 (PPO) offers robust coverage with no copays and no coinsurance for many essential medical services. This includes inpatient and outpatient hospital stays, primary and specialist care visits, emergency services, and diagnostic testing. Additionally, home health services and skilled nursing facility care for up to 100 days are fully covered with no copay or coinsurance. For supplemental care, this plan features a $1,500 annual dental benefit with no copay for preventive care, alongside affordable hearing aid options and a $250 vision eyewear allowance. While most services require no out-of-pocket costs, certain specialized treatments like dialysis and comprehensive dental care do require a coinsurance.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO), providing Medicare-covered acute and psychiatric stays with no copay and no coinsurance. Specific sub-services not covered under this plan include upgrades and non-Medicare-covered stays for acute care, as well as additional days and non-Medicare-covered stays for psychiatric care.
Outpatient Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) covers outpatient services, including outpatient hospital, ambulatory surgical center, substance abuse, and blood services, with no copay and no coinsurance. Prior authorization is required for most of these outpatient services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan. Ground and air ambulance services are covered with no copay and no coinsurance, while transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) covers emergency services, urgently needed services, and worldwide emergency care with no copay and no coinsurance. This includes worldwide emergency transportation and worldwide urgent coverage, ensuring you are protected both at home and abroad.
Primary Care See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) covers primary care, specialist visits, therapies, and mental health services with no copays and no coinsurance. Chiropractic services are partially covered, as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and glaucoma screenings. Additional preventive services are only partially covered, offering a fitness benefit with no copay, while sub-services such as health education, weight management programs, and caregiver support are not covered.
Hearing Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) provides partially covered hearing services, featuring no copay or coinsurance for an annual routine hearing exam, and copays ranging from $199 to $1,249 with no coinsurance for up to two prescription or over-the-counter hearing aids per year. However, fitting and evaluation for hearing aids, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) provides partially covered vision services with no coinsurance, featuring one routine eye exam annually with no copay. Eyewear is covered up to a $250 combined limit every two years with no copay for contact lenses and frames, and a $0 to $153 copay for eyeglass lenses, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) offers partially covered dental services with a $1,500 annual maximum benefit, though implant services and orthodontics are not covered. Preventive and diagnostic services, including cleanings and exams, are provided with no copay and no coinsurance, while comprehensive treatments like restorative care and endodontics require a 50% coinsurance and no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) covers Home Infusion bundled Services with prior authorization, offering no copay and coinsurance ranging from no coinsurance to 20% for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and no coinsurance. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) covers diagnostic and radiological services, including lab tests, diagnostic procedures, therapeutic radiology, and outpatient X-rays, with no copay and no coinsurance. Prior authorization is required for these covered services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Access from UHC AZ-15 (PPO) with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan. None of the sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services, are covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Access from UHC AZ-15 (PPO) partially covers Skilled Nursing Facility (SNF) services, offering no copay and no coinsurance for days 1 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO), which features a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture, over-the-counter (OTC) items, and dual eligible SNPs with highly integrated services are not covered under this plan.
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