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AARP Medicare Advantage from UHC MT-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MT-0001 (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 from UHC MT-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MT-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Montana. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC MT-0001 (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 from UHC MT-0001 (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 from UHC MT-0001 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $49.00. 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 $5900.00 (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 $5900.00 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 from UHC MT-0001 (PPO) plan has a $600 drug deductible. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs require an $8 copay for a 1-month supply at standard pharmacies, but you can receive a 3-month supply with no copay when using preferred mail order. For Tier 3 preferred brand drugs, you will pay a 16% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs require a 40% coinsurance for a 1-month supply, while Tier 5 specialty drugs have a 26% coinsurance across standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC MT-0001 (PPO) plan offers robust medical coverage with no copays for primary care visits, preventive services, and home health care. For specialist visits, outpatient services, and diagnostic tests, members can expect low to moderate copays and no coinsurance. Inpatient hospital stays require a $550 daily copay for the first few days, while emergency room visits carry a $130 copay that is waived if you are admitted. This plan also features strong supplemental coverage, including no copays for routine dental, vision, and hearing exams, alongside a $2,000 annual dental limit and allowances for eyewear and hearing aids. While many services feature no coinsurance, durable medical equipment, dialysis, and Medicare Part B drugs require a 20% coinsurance. Additionally, members benefit from no copays on over-the-counter items and home-delivered meals, making this a comprehensive option for budget-conscious individuals.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MT-0001 (PPO) covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, followed by no copay for subsequent days. While unlimited additional days are covered for acute care, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MT-0001 (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital and observation services have a copay of $0 to $550, while outpatient substance abuse services carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC MT-0001 (PPO) with a $55 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MT-0001 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, requiring prior authorization. While transportation services are technically offered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MT-0001 (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 copay of $0 to $50 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 from UHC MT-0001 (PPO) offers primary care physician visits, telehealth, and opioid treatment with no copay and no coinsurance. Other services are covered with no coinsurance, including specialist visits ($0 to $55 copay), physical, occupational, and speech therapies ($45 to $50 copay), mental health and psychiatric care ($0 to $25 copay), and routine podiatry ($45 copay), while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC MT-0001 (PPO) preventive services are covered with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. While fitness benefits and home safety modifications are covered with no copay or coinsurance, additional supplemental benefits are only partially covered, excluding services like health education, in-home safety assessments, personal emergency response systems, and nutritional therapy.
Hearing Services See details
AARP Medicare Advantage from UHC MT-0001 (PPO) offers partially covered hearing services, including one annual routine exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids and two OTC hearing aids are covered per year with no coinsurance and copays ranging from $199.00 to $1,249.00 and $199.00 to $829.00 respectively, but inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MT-0001 (PPO), offering annual routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with no coinsurance and a copay between $0 and $153 under a $300 combined eyewear limit every two years, but other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services under the AARP Medicare Advantage from UHC MT-0001 (PPO) plan are partially covered, offering preventive services like cleanings and exams with no copay and no coinsurance up to a $2,000 annual limit. Medicare-covered dental services require no copay and a 20% coinsurance, and covered comprehensive services have no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC MT-0001 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require a coinsurance ranging from no coinsurance to 20%, while covered Part B insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC MT-0001 (PPO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC MT-0001 (PPO) with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC MT-0001 (PPO) with no coinsurance, although prior authorization is required. Members pay no copay for lab services and diagnostic radiology, while diagnostic procedures and tests carry a $5 copay, outpatient X-rays cost $30, and therapeutic radiological services require a $60 copay.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC MT-0001 (PPO) 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 from UHC MT-0001 (PPO) with no coinsurance and require prior authorization, but only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MT-0001 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MT-0001 (PPO) provides partial coverage for other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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