A non-government entity
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 $37.00. 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 has a $1250.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
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 IA-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 IA-0003 (PPO) features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay through preferred mail order. Brand-name and specialty medications are covered under coinsurance rates. Tier 3 preferred brand drugs carry a 16% coinsurance for both standard pharmacies and mail order services. Tier 4 non-preferred drugs require a 42% coinsurance, while Tier 5 specialty drugs have a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0003 (PPO) plan offers robust coverage for essential medical services, featuring no copay and no coinsurance for primary care visits, telehealth, and annual physicals. Specialist visits require a copay of up to $55, while inpatient hospital stays have a $310 daily copay for the first six days and no copay for days 7 through 90. Emergency room visits carry a $130 copay, which is waived if you are admitted, while urgent care services range from no copay up to $50. Routine vision exams and preventive dental care are covered with no copay, though Medicare-covered dental services and durable medical equipment require a 20% coinsurance. Prescription hearing aids involve copays ranging from $199 to $1,249, while routine annual hearing exams are available with no copay. Additionally, skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $310 daily copay for days 1 to 6 and no copay for days 7 to 90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers outpatient hospital services with a $0 to $310 copay and no coinsurance, and observation services with a $310 daily copay and no coinsurance. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copays and no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers partial hospitalization services 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 IA-0003 (PPO) covers ground and air ambulance services with a $150 copay and no coinsurance, though prior authorization is required. Some transportation services are covered, but transportation to plan-approved 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 and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers primary care, telehealth, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits have a $0 to $55 copay, therapy services require a $35 copay, and routine podiatry is covered for up to six visits per year with a $45 copay, all with no coinsurance, while chiropractic services are not covered in practice.
Preventive Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) offers preventive services, including annual physicals, kidney disease education, fitness benefits, and safety devices, with no copay and no coinsurance. Additional preventive benefits are partially covered, excluding 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-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) partially covers hearing services with no coinsurance, featuring one annual routine hearing exam with no copay. Prescription hearing aids have a copay of $199 to $1,249 and OTC hearing aids have a copay of $199 to $829, but hearing aid fitting evaluations and inner, outer, or over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision Services for AARP Medicare Advantage from UHC IA-0003 (PPO) are partially covered with no deductible and no coinsurance, featuring one routine eye exam per year with no copay. Covered eyewear includes contact lenses and frames with no copay, and eyeglass lenses with a $0 to $153 copay up to a combined $150 limit every two years, though other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC IA-0003 (PPO), featuring Medicare-covered dental care with no copay and a 20% coinsurance, and preventive services like exams, cleanings, and x-rays with no copay and no coinsurance. Comprehensive services, including restorative, endodontics, periodontics, implants, prosthodontics, and orthodontics, 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, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry coinsurance ranging from no coinsurance up to 20%, with insulin copays capped at $35.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC IA-0003 (PPO), featuring no copay and a 20% coinsurance for durable medical equipment (DME), prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiological services, a $5 copay for diagnostic procedures, tests, and outpatient X-rays, and a $30 copay for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) 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 prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IA-0003 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. This benefit is partially covered because additional days beyond the standard Medicare-covered limit are not covered, and prior authorization is required.
Other Services See details
AARP Medicare Advantage from UHC IA-0003 (PPO) provides partial coverage for other services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this benefit.
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