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AARP Medicare Advantage from UHC OK-0005 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC OK-0005 (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 OK-0005 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OK-0005 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Oklahoma. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC OK-0005 (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 OK-0005 (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 OK-0005 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $59.00. 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 $10100.00 (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 $10100.00 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 OK-0005 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost $12 for a 1-month supply at standard pharmacies, but members can save by utilizing preferred mail order which offers a 3-month supply with no copay. For brand-name and specialty medications, costs transition to coinsurance percentages. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 40% coinsurance. Specialty medications in Tier 5 are covered at a 26% coinsurance rate for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC OK-0005 (PPO) plan offers robust coverage for essential medical services, featuring no copay and no coinsurance for primary care, telehealth, and preventive visits. For specialized care, members pay no coinsurance and low copays, including a $0 to $50 copay for specialists and a $130 copay for emergency services. Inpatient hospital stays require a $495 daily copay for the first few days with no coinsurance, after which there is no copay. Routine dental, vision, and hearing exams are covered with no copay and no coinsurance, though prescription hearing aids and eyewear require varying copays. Skilled nursing facility stays feature no copay for the first 20 days, while diagnostic lab services and home health services are also available with no copay. For medical equipment and dialysis, members can expect no copay and a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OK-0005 (PPO) inpatient hospital benefits are partially covered with no coinsurance, requiring a $495 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, followed by no copay for remaining covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC OK-0005 (PPO) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services require a copay of $0 to $495, while outpatient substance abuse sessions have copays ranging from $0 to $25, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization services are covered under the AARP Medicare Advantage from UHC OK-0005 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC OK-0005 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. While some transportation services are covered, transportation to plan-approved or any other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC OK-0005 (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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC OK-0005 (PPO) covers primary care and telehealth visits with no copay and no coinsurance. Specialist visits require a $0 to $50 copay, physical and occupational therapies require a $35 copay, and podiatry services have a $45 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC OK-0005 (PPO) with no copay and no coinsurance for covered services, which include annual physicals, fitness benefits, kidney education, and select screenings. Sub-services that are not covered under this benefit include 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, home-palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OK-0005 (PPO), featuring one annual routine hearing exam with no copay, no coinsurance, and no deductible, though fitting and evaluation exams are not covered. Covered prescription hearing aids (up to two per year) require a $199 to $1,249 copay and no coinsurance, while OTC hearing aids (up to two per year) have a $199 to $829 copay and no coinsurance. Prior authorization is required for exams and prescription aids, and 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 from UHC OK-0005 (PPO), which offers one routine eye exam per year with no copay and no coinsurance, while other eye exams are not covered. Eyewear is covered with no coinsurance and copays ranging from $0 to $153 up to a $300 combined limit every two years, though upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC OK-0005 (PPO), offering preventive care with no copay and no coinsurance up to a $1,000 annual maximum, and Medicare dental services with no copay and 20% coinsurance. Comprehensive services are covered with no copay and 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 OK-0005 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs feature no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35.00 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC OK-0005 (PPO) covers Dialysis Services 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 OK-0005 (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. Prior authorization is required for these covered medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC OK-0005 (PPO) plan with no coinsurance, although prior authorization is required. Members pay no copay for lab services and diagnostic radiology, a $5 copay for diagnostic tests and outpatient X-rays, and a copay starting at $30 for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC OK-0005 (PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered in practice under the AARP Medicare Advantage from UHC OK-0005 (PPO) plan. Although the general category is technically covered with no coinsurance, all key sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC OK-0005 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day inpatient hospital stay required. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with prior authorization required and no coverage for additional days beyond the standard limit.
Other Services See details
AARP Medicare Advantage from UHC OK-0005 (PPO) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this benefit, and the meal benefit requires prior authorization.
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