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AARP Medicare Advantage from UHC IA-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IA-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 IA-0003 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IA-0003 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Iowa and Illinois. 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 IA-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 IA-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 IA-0003 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $38.00. 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 IA-0003 (PPO) prescription drug 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 mail-order services. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, though you can receive a 3-month supply with no copay when using preferred mail order. For higher-tier medications, Tier 3 preferred brand drugs require a 16% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs carry a 42% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply through standard pharmacies and mail-order channels.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0003 (PPO) plan features no copay for primary care visits, telehealth, annual physicals, and home health services. For specialist visits, you will pay a copay ranging from no copay up to $60, while inpatient hospital stays require a $550 copay for the first few days with no copay for the remaining days. Emergency room visits carry a $130 copay, which is waived if you are admitted, and urgent care ranges from no copay up to $50. Routine vision and preventive dental services are covered with no copay or coinsurance, though comprehensive dental services and eyewear are not covered under this plan. Diagnostic lab services, home infusions, and over-the-counter items are also available with no copay, whereas diabetic supplies require no copay and other durable medical equipment carries a 20% coinsurance. Prescription and over-the-counter hearing aids are covered with copays ranging from $199 to $1,249, depending on the device.
Inpatient Hospital See details
Inpatient hospital care is covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no coinsurance, requiring a $550 copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, with no copay for remaining days. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers outpatient hospital services with no coinsurance and a copay ranging from $0 to $550, while observation services carry a $550 daily copay. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are covered with no copays and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC IA-0003 (PPO) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers ground and air ambulance services with a $150 copay and no coinsurance, with prior authorization required. For transportation benefits, some services are covered, but transportation to plan-approved health-related locations or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services have a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC IA-0003 (PPO) are covered with no coinsurance, featuring no copay for primary care, telehealth, mental health, psychiatric, and opioid treatment services. Other covered services require no coinsurance and a copay of $20 for physical and occupational therapy, $45 for podiatry, and $0 to $60 for specialists, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no copay and no coinsurance, including annual physicals, fitness benefits, and home safety devices. However, this benefit is only partially covered, as health education, PERS, in-home safety assessments, medical nutrition therapy, medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) offers partially covered hearing services, including one annual routine exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are covered with a $199 to $1,249 copay and no coinsurance for up to two devices per year, excluding inner ear, outer ear, and over-the-ear types. Up to two OTC hearing aids are also covered annually with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision services are covered under the AARP Medicare Advantage from UHC IA-0003 (PPO) plan, which provides one routine eye exam every year with no copay and no coinsurance, though prior authorization is required. Other eye exams and all eyewear, including eyeglasses and contact lenses, are not covered.
Dental Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) offers partially covered dental services, providing Medicare-covered dental care with no copay and a 20% coinsurance, and preventive services with no copay and no coinsurance. Restorative, endodontic, periodontic, prosthodontic, orthodontic, oral surgery, and implant services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC IA-0003 (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 from UHC IA-0003 (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 or inserts require a 20% coinsurance, with prior authorization required for most equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no coinsurance, though prior authorization is required. Lab services have no copay, diagnostic tests and outpatient X-rays carry a $5 copay, and diagnostic radiology starts at no copay while therapeutic radiology requires a copay starting at $60.
Home Health Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no copay and no coinsurance, though only some services are covered in practice as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no coinsurance and prior authorization required, with no prior three-day hospital stay needed. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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