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AARP Medicare Advantage from UHC OK-0006 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC OK-0006 (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-0006 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC OK-0006 (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 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC OK-0006 (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-0006 (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-0006 (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 $420.00 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 $8900.00 (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 $8900.00 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-0006 (PPO) plan has a $420 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy used. The plan offers an "Enhanced Alternative" drug benefit. For generic drugs at a standard pharmacy, you will pay a $10 or $47 copay, while preferred brand drugs have a $100 copay. Non-preferred drugs have a 28% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC OK-0006 (PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $295 copay for the first six days, and then no copay. Emergency services have a $125 copay, while primary care visits are covered with no copay. The plan also includes coverage for hearing, vision, and dental services. Hearing exams and routine eye exams have no copay, while prescription hearing aids and eyewear may have copays. Dental services include oral exams, X-rays, and cleanings with no copay and other dental services with a maximum benefit of $1750 per year.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered. For inpatient hospital acute care, you will pay a $295 copay for days 1-6, and no copay for days 7-90; additional days for inpatient hospital acute care have no copay. For inpatient hospital psychiatric care, you will pay a $295 copay for days 1-6, and no copay for days 7-90. Non-Medicare-covered stays and upgrades for inpatient hospital acute and psychiatric care are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $295, observation services with a $295 copay, and ambulatory surgical center services with no copay. This plan also covers outpatient substance abuse services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, along with outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC OK-0006 (PPO) plan, but requires prior authorization. The copay for this benefit is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC OK-0006 (PPO), including both ground and air ambulance services with a $290 copay, but transportation services to any health-related location are not covered. There is no coinsurance for any ambulance services.
Emergency Services See details
Emergency Services are covered by AARP Medicare Advantage from UHC OK-0006 (PPO), with a $125 copay, and no coinsurance. Urgently Needed Services have a copay between $0 and $55, and no coinsurance. Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, are covered with no copay and no coinsurance.
Primary Care See details
The AARP Medicare Advantage from UHC OK-0006 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a copay between $0 and $30, and physician specialist services with a copay between $0 and $40. Mental health specialty services, podiatry services, other health care professional, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services are also covered, and may have a copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services include Medicare-covered services with no copay, annual physical exams with no copay, and additional services with a copay; however, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, readmission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefit, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, and telemonitoring services are not covered. Additionally, kidney disease education services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit services are covered with no copay.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered once per year with no copay, but fitting/evaluation for hearing aids is not covered. Prescription hearing aids are partially covered, with a copay between $199 and $1249 for all types of prescription hearing aids, but not for inner, outer, or over-the-ear prescription hearing aids. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision Services include eye exams, eyewear, contact lenses, eyeglass lenses, and eyeglass frames. Eye exams and routine eye exams have no copay. Eyewear includes contact lenses, which have no copay, and eyeglass lenses, which may have a copay between $0 and $153; eyeglass frames are covered with no copay. Eyeglasses (lenses and frames) and upgrades are not covered. The combined maximum plan benefit coverage for eyewear is $250 every two years.
Dental Services See details
AARP Medicare Advantage from UHC OK-0006 (PPO) covers Medicare Dental Services with a 20% coinsurance, and other dental services with a maximum benefit of $1750 per year. The plan offers Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Maxillofacial Prosthetics, and Oral and Maxillofacial Surgery with no copay, and Orthodontic Services are covered under Diagnostic and Preventive Dental. The plan does not cover Implant Services or Orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with a copay of $35 for Medicare Part B Insulin Drugs, and coinsurance between 0% and 20% for Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and no copay, Prosthetics/Medical Supplies with 20% coinsurance and no copay, and Diabetic Equipment with varying copays and coinsurance depending on the specific service. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a $50 copay, lab services with no copay, and outpatient X-ray services with a $25 copay. Diagnostic Radiological Services have a copay of at most $225, and Therapeutic Radiological Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance; however, additional hours of care and personal care services are not covered. This benefit requires authorization.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC OK-0006 (PPO) plan, but the specific services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC OK-0006 (PPO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203.
Other Services See details
The AARP Medicare Advantage from UHC OK-0006 (PPO) plan covers over-the-counter (OTC) items and meal benefits with no copay; however, acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, private duty nursing, and other services are not covered. Other services, including home and community based services, personal care services, and self-directed personal assistance services, are also not covered.
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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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