A non-government entity
AARP Medicare Advantage from UHC KY-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC KY-0003 (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 KY-0003 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC KY-0003 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Kentucky. 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 KY-0003 (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 KY-0003 (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 KY-0003 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $46.00. 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:
Sign up for AARP Medicare Advantage from UHC KY-0003 (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 KY-0003 (PPO) plan features an annual drug deductible of $600. Under this plan, Tier 1 preferred generic drugs are highly affordable, requiring no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs carry a $12 copay for a 1-month supply at standard pharmacies, though you can secure a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance percentages. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs have a 39% coinsurance for a 1-month supply. Specialty drugs in Tier 5 require a 26% coinsurance for a 1-month supply at standard pharmacies and mail-order facilities.
Additional Benefits
The AARP Medicare Advantage from UHC KY-0003 (PPO) plan offers affordable healthcare coverage with no copay and no coinsurance for primary care doctor visits, routine preventive services, and home health care. For emergency care, members pay a $130 copay with no coinsurance, while specialist visits range from no copay to a $50 copay. If you require an inpatient hospital stay, there is a $550 daily copay for the first five days of acute stays, followed by no copay for additional days. Routine vision, dental, and hearing exams are covered under this plan with no copay and no coinsurance. Members will pay a standard 20% coinsurance with no copay for dialysis services and durable medical equipment like prosthetics and diabetic shoes. Diagnostic lab services and home infusion bundled services are also available with no copay, helping to keep out-of-pocket costs predictable.
Inpatient Hospital See details
AARP Medicare Advantage from UHC KY-0003 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and a $550 daily copay for days 1-4 of psychiatric stays (no copay for days 5-90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC KY-0003 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $550 for outpatient hospital services and $550 per day for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a copay of $0 to $25 with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC KY-0003 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required for this service.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC KY-0003 (PPO) covers ground and air ambulance services with a $150 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC KY-0003 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays or coinsurance. These emergency and urgent care costs do not count toward the plan's deductible.
Primary Care See details
Primary care benefits under AARP Medicare Advantage from UHC KY-0003 (PPO) are covered with no coinsurance, featuring no copay for primary care physician visits, telehealth, and opioid treatment. Covered specialist, therapy, and mental health services require copays ranging from $0 to $50 with no coinsurance, while podiatry has a $45 copay and chiropractic services are not covered.
Preventive Services See details
Preventive Services are covered by AARP Medicare Advantage from UHC KY-0003 (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, fitness benefits, home and bathroom safety devices, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. This benefit is partially covered, as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional smoking cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, and counseling services are not covered.
Hearing Services See details
Hearing services under the AARP Medicare Advantage from UHC KY-0003 (PPO) are partially covered, offering one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay and no coinsurance, excluding inner, outer, and over-the-ear types. Up to two OTC hearing aids are also covered annually with a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC KY-0003 (PPO), which features no deductible and no coinsurance, offering no copay for annual routine eye exams, contact lenses, and frames, and a $0 to $153 copay for eyeglass lenses up to a $150 combined limit every two years. Other eye exams, upgrades, and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC KY-0003 (PPO), which features Medicare-covered dental with no copay and 20% coinsurance, and preventive care like cleanings and exams with no copay and no coinsurance. However, comprehensive treatments such as restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC KY-0003 (PPO) with no copay, though prior authorization is required. Under this benefit, chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC KY-0003 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage from UHC KY-0003 (PPO) plan with no copay and a 20% coinsurance for durable medical equipment (DME), prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, although manufacturer limits apply, and prior authorization is required for most medical equipment and supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC KY-0003 (PPO) with no coinsurance, although prior authorization is required. Members pay no copay for lab services and diagnostic radiological services, a $5 copay for diagnostic procedures, tests, and outpatient X-rays, and a minimum $60 copay for therapeutic radiological services.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC KY-0003 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC KY-0003 (PPO) plan, although prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC KY-0003 (PPO) with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a 3-day hospital stay is not required prior to admission, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC KY-0003 (PPO), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered, and the meal benefit requires prior authorization.
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