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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 2025, 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 2025.
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 $282.00. 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 $570.00 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 has a $570.00 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, in the initial coverage phase, you will pay $8.00 for preferred generic drugs at a standard pharmacy, and $100.00 for preferred brand drugs. You will pay 26% coinsurance for non-preferred drugs. Once your total drug costs reach $2000.00, you will enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan offers a wide range of benefits with many services available at no copay. The plan covers inpatient and outpatient services, including emergency, primary care, preventive, hearing, vision, and dental services, often with no copay. You can also expect coverage for ambulance, home health, and medical equipment services. This plan also provides additional benefits, such as a meal benefit, along with coverage for home infusion services and dialysis services. However, services like cardiac rehabilitation, and additional hours of care are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered under the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan. For Inpatient Hospital-Acute, you will have no copay, and additional days between days 91-999 will have no copay. Inpatient Hospital Psychiatric has no copay, but additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services, are covered. Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, and Outpatient Blood Services have no copay, while Outpatient Substance Abuse Services have no copay for both individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan, with no copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. Ground and Air Ambulance Services have no copay and no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance under the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan. Worldwide Emergency Services are covered, including services not usually covered by Medicare plans.
Primary Care See details
The AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services, all with a $0 copay, except for services that have varying copays as detailed in the plan. Routine chiropractic care is not covered.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and other preventive services, kidney disease education services, and other preventive services with a copay. Health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services are not covered. Fitness benefits, including memory fitness and activity trackers, have no copay. Other preventive services such as glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit have no copay.
Hearing Services See details
Hearing exams are covered with no copay. Routine hearing exams are covered once per year with no copay, while fitting/evaluation for hearing aids are not covered. Prescription hearing aids are covered with a copay between $199 and $1249, up to 2 per year, while inner ear, outer ear, and over the ear prescription hearing aids are not covered. OTC hearing aids are covered with a copay between $99 and $829, up to 2 per year.
Vision Services See details
The AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan covers vision services, including routine eye exams and eyewear. Routine eye exams and contact lenses have no copay, while eyeglass lenses may have a copay of $0-$153 and eyeglass frames have no copay. Eyewear has a combined maximum benefit of $250 every two years, and eyeglass lenses and frames are limited to one every two years.
Dental Services See details
Dental services include coverage for Medicare dental services with no copay, and other dental services with a maximum plan benefit of $1500 per year. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, and oral and maxillofacial surgery are covered with no copay. Prosthodontics, removable and prosthodontics, fixed services are covered with a coinsurance of 0% - 50%. Restorative services, adjunctive general services, endodontics, periodontics, and maxillofacial prosthetics are covered with no copay. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan. Medicare Part B Insulin Drugs have a $35 copay, with coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan, but prior authorization is required. The coinsurance for these services is 20%.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO). Durable Medical Equipment (DME), Prosthetic Devices, and Medical Supplies have no copay and no coinsurance. Diabetic equipment is covered, including Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts, each with no copay and no coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services. Diagnostic Procedures/Tests and Lab Services have no copay, while Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have a copay of $0.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan 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 not covered by the AARP Medicare Advantage Access from UHC AZ-15 (PPO) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage Access from UHC AZ-15 (PPO) with prior authorization required. For days 1-100, there is no copay.
Other Services See details
Other Services includes a meal benefit with no copay, but acupuncture, over-the-counter items, and other services like Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and more are not covered. The meal benefit requires prior authorization.
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