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AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx FL-MA2 (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 Patriot No Rx FL-MA2 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Florida. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx FL-MA2 (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 Patriot No Rx FL-MA2 (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 $130.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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:
Sign up for AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan offers robust coverage for essential medical services with predictable costs and no coinsurance for many key benefits. You will enjoy no copay for primary care visits, routine annual physicals, and home health services, while specialist visits require a copay of up to $55. For hospital care, inpatient stays feature no coinsurance with a $535 daily copay for the first few days, and emergency room visits carry a $115 copay that is waived if you are admitted. This plan also includes valuable routine care, featuring no copay or coinsurance for preventive dental cleanings, annual eye exams, and yearly hearing tests. While comprehensive dental coverage is limited, vision hardware is supported by a $200 allowance every two years, and hearing aids are covered with fixed copayments. For specialized needs like durable medical equipment and dialysis, members pay a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) with no coinsurance, requiring a $535 daily copay for days 1-4 of acute stays (no copay for days 5-999) and days 1-3 of psychiatric stays (no copay for days 4-90). This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) with no coinsurance across all services, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and observation services require copays ranging from $0 to $535, while outpatient substance abuse services have a $0 to $25 copay for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Additional services like mental health, podiatry, and physical therapy are covered with copays ranging from $0 to $55 and no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan with no copay and no coinsurance for covered services such as annual physical exams, fitness benefits, and kidney disease education. However, several sub-services are not covered, including 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/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing Services are partially covered by the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan, with exclusions for hearing aid fittings or evaluations and inner, outer, or over-the-ear prescription hearing aids. Covered benefits include one annual routine hearing exam with no copay or coinsurance, plus up to two prescription hearing aids (copays of $199.00 to $1,249.00) and two OTC hearing aids (copays of $199.00 to $829.00) per year with no coinsurance and no deductible.
Vision Services See details
Vision Services are partially covered under the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan, featuring no coinsurance for all covered services. Patients pay no copay for one annual routine eye exam, no copay for contact lenses or frames, and a copay ranging from no copay to $153 for eyeglass lenses up to a $200 combined benefit every two years, whereas other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) provides partially covered dental services, featuring Medicare-covered dental with no copay and a 20% coinsurance, and preventive services like cleanings, exams, fluoride, and x-rays with no copay and no coinsurance. However, orthodontic, restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, adjunctive general, and other diagnostic dental services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance with no copay, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan, with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts carry a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan, with prior authorization required. Diagnostic procedures and tests require a $50 copay with no coinsurance, lab and diagnostic radiological services have no copays, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) with no copay and no coinsurance, though prior authorization is required. Some services are covered, but 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 Patriot No Rx FL-MA2 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required.
Other Services See details
Other Services under the AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) are partially covered, offering no copay and no coinsurance for over-the-counter (OTC) items and meal benefits for chronic illnesses. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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