A non-government entity
AARP Medicare Advantage from UHC MT-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MT-0002 (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-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MT-0002 (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-0002 (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-0002 (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-0002 (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.
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 $6700.00 (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 $6700.00 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 from UHC MT-0002 (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC MT-0002 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month supply through mail order. Tier 2 generic drugs carry a $12 copay for a 1-month standard pharmacy supply, though you can save with no copay for a 3-month supply using preferred mail order. Higher-tier medications under this plan transition from copays to coinsurance during the initial coverage phase. Tier 3 preferred brand drugs require a 17% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require 34% and 26% coinsurance respectively for a 1-month supply. Understanding these tier-based costs can help you estimate your annual prescription expenses with this Medicare Advantage PPO plan.
Additional Benefits
The AARP Medicare Advantage from UHC MT-0002 (PPO) plan offers affordable coverage for everyday healthcare needs, featuring no copay to a $10 copay for primary care visits and no coinsurance. For emergency room visits, members pay a $130 copay with no coinsurance, while inpatient hospital stays require a $685 copay for the first four days followed by no copay for additional days. Routine preventive services, annual physical exams, and home health services are also covered with no copay and no coinsurance. Specialty care under this plan includes no copay for routine vision exams and preventive dental care, though Medicare-covered dental services and durable medical equipment require a 20% coinsurance. Hearing services feature no copay for annual routine exams, while prescription hearing aids require copays ranging from $199 to $1,249 with no coinsurance. Additionally, diagnostic lab services and home infusion therapies are covered with no copay, helping to keep out-of-pocket medical costs predictable.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MT-0002 (PPO) covers inpatient acute hospital stays with no coinsurance and a $685 copayment for days 1 through 4, followed by no copayment for days 5 and beyond. Inpatient psychiatric stays are also covered with no coinsurance and a $685 copayment for days 1 through 3, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MT-0002 (PPO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital copays range from $0 to $685, observation services require a $685 daily copay, and outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MT-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MT-0002 (PPO) covers Medicare-approved ground and air ambulance services with a $290.00 copay and no coinsurance, subject to prior authorization. Although transportation services are technically listed as covered, transportation to plan-approved or other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MT-0002 (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 up to $50 and 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-0002 (PPO) covers primary care provider visits with copays ranging from no copay to $10.00 and no coinsurance, and telehealth services with no copay and no coinsurance. Specialist, therapy, and mental health services are covered with no coinsurance and copays up to $60.00, and although some chiropractic services are covered, routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC MT-0002 (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, fitness benefits, and home safety devices. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
AARP Medicare Advantage from UHC MT-0002 (PPO) provides partially covered hearing services, including one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (excluding inner, outer, and over-the-ear types) and two over-the-counter (OTC) hearing aids are covered annually, with copays ranging from $199 to $1,249 and $199 to $829 respectively, and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MT-0002 (PPO) with no deductible, no coinsurance, and no copay for routine exams, contact lenses, and frames, though eyeglass lenses have a $0 to $153 copay. A combined $250 maximum benefit applies every two years for eyewear, but other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC MT-0002 (PPO), offering preventive care such as exams, cleanings, and x-rays with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but comprehensive services—including restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery—are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC MT-0002 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other Part B drugs carry no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC MT-0002 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC MT-0002 (PPO) covers durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, subject to manufacturer limitations, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC MT-0002 (PPO) with prior authorization. Members pay no copay and no coinsurance for lab services, a $50 copay with no coinsurance for diagnostic tests, a minimum $0 copay for diagnostic radiology, a $25 copay plus coinsurance for outpatient X-rays, and a minimum 20% coinsurance plus a copay for therapeutic radiology.
Home Health Services See details
The AARP Medicare Advantage from UHC MT-0002 (PPO) plan covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC MT-0002 (PPO) plan, but in practice, some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MT-0002 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered days are not covered.
Other Services See details
AARP Medicare Advantage from UHC MT-0002 (PPO) partially covers other services, offering chronic illness meals and over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved