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AARP Medicare Advantage Access from UHC MT-3 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Access from UHC MT-3 (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 Access from UHC MT-3 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Access from UHC MT-3 (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 Access from UHC MT-3 (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 Access from UHC MT-3 (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 Access from UHC MT-3 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $276.00. 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 $3000.00 (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 $3000.00 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 Access from UHC MT-3 (PPO) plan features an Enhanced Alternative drug benefit with a $600.00 prescription drug deductible. During the initial coverage phase, standard pharmacy costs for a 30-day supply include an $8.00 copay for Tier 1 preferred generics and a 17% coinsurance for Tier 2 standard generics. Tier 3 preferred brands and Tier 4 non-preferred drugs require 42% and 26% coinsurance respectively, which also applies to mail-order services. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. Additionally, the plan's standard Part D premium of $73.90 can be reduced to $32.40 for individuals who qualify for the low-income subsidy.
Additional Benefits
The AARP Medicare Advantage Access from UHC MT-3 (PPO) plan offers robust coverage with no copays and no coinsurance for a wide range of essential medical services. This includes inpatient and outpatient hospital care, emergency services, primary and specialist doctor visits, diagnostic tests, and home health care. Skilled nursing facility stays are also covered with no copay or coinsurance for the first 100 days, though prior authorization is required for most of these medical benefits. For routine wellness, the plan features no copays or coinsurance for preventive dental care, eye exams, and annual hearing exams. Hearing aids are covered with copays ranging from $199 to $1,249, while comprehensive dental care requires a 50% coinsurance up to a $1,500 yearly maximum. Some services, such as dialysis and certain chemotherapy or home infusion drugs, require a 20% coinsurance, while cardiac rehabilitation is not covered.
Inpatient Hospital See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) partially covers inpatient hospital services with no copay and no coinsurance for Medicare-covered acute and psychiatric stays, though prior authorization is required. Non-Medicare-covered stays, hospital upgrades, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Access from UHC MT-3 (PPO), including outpatient hospital, observation, ambulatory surgical center, substance abuse, and blood services. There is no copay and no coinsurance for these services, though prior authorization is required for most.
Partial Hospitalization See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) covers partial hospitalization benefits with no copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) covers ground and air ambulance services with no copay and no coinsurance, subject to prior authorization. Although some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) covers emergency services, urgently needed services, and worldwide emergency care with no copay and no coinsurance. These services do not count toward the plan deductible, and emergency copays are waived if you are admitted to the hospital within 24 hours.
Primary Care See details
Primary Care benefits under the AARP Medicare Advantage Access from UHC MT-3 (PPO) plan are partially covered, featuring no copays and no coinsurance for primary care visits, specialist consultations, therapies, and mental health services. While most primary care services are covered, routine chiropractic care is not covered by the plan.
Preventive Services See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) partially covers preventive services with no copay and no coinsurance for covered options like annual physical exams, fitness benefits, and kidney disease 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 smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Access from UHC MT-3 (PPO), which offers one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered up to two per year with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Access from UHC MT-3 (PPO), with upgrades and combined eyeglasses (lenses and frames) not covered. Covered services feature no coinsurance, offering routine eye exams, contact lenses, and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay under a $150 limit every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Access from UHC MT-3 (PPO), with the exception of implant services and orthodontics which are not covered. Preventive services like cleanings and oral exams feature no copay and no coinsurance, while covered comprehensive services require a 50% coinsurance and no copay, up to a $1,500 yearly maximum.
Home Infusion bundled Services See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) covers Home Infusion bundled Services with prior authorization, requiring no copay and a coinsurance ranging from no coinsurance to 20% for chemotherapy, radiation, and other Part B drugs. Covered Part B insulin drugs require a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage Access from UHC MT-3 (PPO) with 20% coinsurance and no copay, although prior authorization is required.
Medical Equipment See details
Medical equipment benefits, including durable medical equipment, prosthetics, and diabetic supplies, are covered by AARP Medicare Advantage Access from UHC MT-3 (PPO) with no copay, though coinsurance information is not specified. Prior authorization is required for these covered medical equipment services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Access from UHC MT-3 (PPO) with no copays and no coinsurance. Covered services include lab work, diagnostic tests, therapeutic radiology, and outpatient X-rays, though prior authorization is required.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Access from UHC MT-3 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Access from UHC MT-3 (PPO) plan, as none of the sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance for days 1 through 100, though prior authorization is required. This benefit is partially covered, as additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Access from UHC MT-3 (PPO) partially covers other services, providing a chronic illness meal benefit with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and Dual Eligible SNPs with highly integrated services are not covered.
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