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UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) in 2026, please refer to our full plan details page.
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) is a PFFS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in KS, MT, and WY. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) 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 UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS).
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 UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS), 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
We don't have information on the Maximum Out-Of-Pocket cost for this plan. You can call our licensed insurance specialists by clicking "Call to Enroll" below 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 UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS)
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Drug Coverage
Prescription drugs are not covered by UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS).
Additional Benefits
The UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan offers robust medical coverage with many essential services requiring no copayments or coinsurance. Primary care visits range from no copay to a $20 copay, while specialist visits cost up to a $55 copay. For hospital care, inpatient stays require a $420 daily copay for days 1 through 5 and no copay thereafter, while emergency services carry a $130 copay. This plan also features key supplemental benefits, including routine vision and hearing exams with no copays, alongside allowances for eyewear and hearing aids. Preventive dental care is covered with no copay or coinsurance up to a $500 annual limit, while comprehensive dental requires a 50% coinsurance. Additionally, home health services feature no copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $420 daily copay for days 1 through 5 and no copay for days 6 through 90. While unlimited additional acute hospital days are covered with no copay, this plan does not cover additional psychiatric days, upgrades, or non-Medicare-covered stays.
Outpatient Services See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copays. Outpatient hospital services have copays ranging from $0 to $420, while outpatient substance abuse services require a $15 copay for group sessions and copays between $0 and $25 for individual sessions.
Partial Hospitalization See details
Partial hospitalization is covered under the UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan with a $55.00 copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance services are covered under UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) with a $290 copay and no coinsurance for ground and air transport, but routine transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered under the UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from no copay to $50, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) covers primary care visits with no copay to a $20 copay and specialist visits with no copay to a $55 copay, both with no coinsurance. Other benefits include physical, occupational, and speech therapy for a $50 to $55 copay, mental health services with copays up to $25, and telehealth with no copay, all with no coinsurance, while chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are partially covered under the UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan, offering an annual physical exam, kidney disease education, and select screenings with no copay and no coinsurance. For additional preventive benefits, some services are covered but health education, fitness benefits, and nutritional therapy are not covered, and Medicare-covered zero-dollar preventive services are also excluded.
Hearing Services See details
Hearing services under the UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan are partially covered, offering routine annual hearing exams with no copay and diagnostic exams for a $20 copay, both with no coinsurance. Prescription hearing aids (up to $1,500 every two years) and over-the-counter hearing aids are covered with no copay and no coinsurance, though fitting and evaluation exams, as well as inner-ear, outer-ear, and over-the-ear prescription models, are not covered.
Vision Services See details
Vision services are partially covered by UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS), offering no copays, no coinsurance, and no deductible for one routine eye exam per year and up to a $100 annual allowance for contact lenses or one pair of eyeglasses (lenses and frames). Other eye exams, separate eyeglass lenses, separate eyeglass frames, and upgrades are not covered.
Dental Services See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) covers Medicare dental services with no copay and 20% coinsurance, and preventive dental services with no copay or coinsurance up to a $500 annual maximum. Comprehensive dental services are partially covered with no copay and 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) covers home infusion bundled services with no copay, while associated Medicare Part B chemotherapy, radiation, and other Part B drugs require a coinsurance of 0% to 20%. Covered Part B insulin drugs under this benefit have a $35 copay and a coinsurance ranging from 0% to 20%.
Dialysis Services See details
The UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
Medical Equipment covered by the UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan includes durable medical equipment, prosthetics, and medical supplies, all of which require no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, while diabetic therapeutic shoes and inserts are subject to a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) with no coinsurance for diagnostic tests, which require a $50 copay, and lab services, which have no copay. Radiological benefits include diagnostic radiology with no copay, outpatient X-rays for a $25 copay, and therapeutic radiology with a 20% coinsurance.
Home Health Services See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) covers Home Health Services with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) plan, as cardiac, pulmonary, and supervised exercise therapy (SET) services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) with no coinsurance and no requirement for a prior three-day hospital stay. You will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard 100-day limit are not covered.
Other Services See details
UHC MedicareDirect Patriot No Rx PF-MA01 (PFFS) does not provide coverage for Other Services, meaning acupuncture, over-the-counter (OTC) items, and meal benefits are not covered under this plan.
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