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AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx MT-MA01 (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 MT-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx MT-MA01 (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 Patriot No Rx MT-MA01 (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 MT-MA01 (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 MT-MA01 (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 $80.00. 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 $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 Patriot No Rx MT-MA01 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) plan offers robust medical coverage with many services featuring no coinsurance. Primary care visits, telehealth, home health, and cardiac rehabilitation have no copay, while specialist visits require a copay ranging from no copay to $60. For hospital care, inpatient acute stays require a $540 daily copay for the first five days, while outpatient hospital services carry a copay up to $540 with no coinsurance. This plan also includes valuable supplemental benefits, such as routine hearing and eye exams with no copay, alongside dental care covered up to a $2,000 annual maximum with no copay and coinsurance up to 50%. Durable medical equipment and dialysis services are available with no copay and a 20% coinsurance. Additionally, members benefit from no copays on fitness programs, annual physicals, and over-the-counter items, making essential wellness care highly affordable.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. Medicare-covered acute stays require a $540 daily copay for days 1 to 5 and no copay for days 6 and beyond, while psychiatric stays carry a $540 daily copay for days 1 to 4 and no copay for days 5 to 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient Services covered by the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) feature no coinsurance for all outpatient care, including no copay and no coinsurance for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $540 with no coinsurance, while outpatient substance abuse services have copays ranging from $0 to $25 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) 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 and no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copays and no coinsurance.
Primary Care See details
Primary care physician services and telehealth benefits are covered under the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) with no copay and no coinsurance, while specialist visits range from a $0 to $60 copay with no coinsurance. Other services like physical therapy ($60 copay), occupational therapy ($50 copay), and mental health sessions ($0 to $25 copay) also feature no coinsurance, though chiropractic benefits are only partially covered as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) with no copay and no coinsurance for annual physicals, fitness benefits, home safety devices, and kidney education. However, sub-services such as 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, palliative care, in-home support, caregiver support, additional tobacco cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) partially covers hearing services with no coinsurance, offering annual routine hearing exams with no copay, though fitting and evaluation exams are not covered. Prescription hearing aids (copays of $199 to $1,249) and OTC hearing aids (copays of $199 to $829) are covered up to two per year with no coinsurance, but inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) offers partially covered vision services with no coinsurance and no copay for annual routine eye exams and contact lenses. Eyeglass frames and lenses are covered with no coinsurance and copays ranging from $0 to $153 up to a $150 combined limit every two years, 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 Patriot No Rx MT-MA01 (PPO) up to a $2,000 annual maximum, though implants and orthodontics are not covered. Diagnostic and preventive services feature no copay and no coinsurance, while comprehensive and Medicare-covered dental services require no copay with 50% and 20% coinsurance, respectively.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Medicare Part B insulin drugs require a $35 copay and a coinsurance of no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Patriot No Rx MT-MA01 (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 Patriot No Rx MT-MA01 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for most medical equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) plan, featuring no coinsurance and a $50 copay for diagnostic tests, while lab and diagnostic radiological services have no copay and no coinsurance. Outpatient X-rays require a $30 copay, therapeutic radiological services carry a 20% coinsurance, and prior authorization is required.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay per day for days 21 through 100. Prior authorization is required, and while the plan allows for less than a 3-day inpatient hospital stay prior to admission, additional days beyond the standard Medicare limit are not covered.
Other Services See details
Other services under the AARP Medicare Advantage Patriot No Rx MT-MA01 (PPO) are partially covered, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though meals require prior authorization. Acupuncture and other miscellaneous services are not covered under this plan.
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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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