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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 2025, 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 out of 5 stars in 2025.
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 $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 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 $495.00 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 $6200.00 (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 $6200.00 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) plan has an enhanced alternative drug benefit. The plan has a deductible of $495.00. During the initial coverage phase, after you pay the deductible, you will pay a copay for your prescriptions. For standard generic drugs, you will pay a $10.00 copay, while preferred brand drugs have a $100.00 copay. Non-preferred drugs have a 27% coinsurance. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase where you pay nothing for your covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0003 (PPO) plan offers a range of benefits. This plan includes coverage for inpatient and outpatient services, with varying copays depending on the service. The plan also includes benefits for hearing, vision, and dental services, with no copays for routine eye exams, and hearing exams. This plan provides coverage for emergency services, primary care, and preventive services, with no copays for many services like primary care visits. Additional benefits include home health services with no copay, and coverage for medical equipment and dialysis services with coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered. For Inpatient Hospital-Acute and Psychiatric, you will pay a $250 copay for days 1-6, and no copay for days 7-90; additional days for Inpatient Hospital-Acute are covered with no copay, and other services are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient Hospital Services have a copay between $0 and $250, Observation Services have a $250 copay per day, Ambulatory Surgical Center (ASC) Services have no copay, Outpatient Substance Abuse individual and group sessions have no copay, and Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC IA-0003 (PPO) plan. This benefit has a $55 copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground and Air Ambulance Services have a $275 copay, and there is no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. For Emergency Services, there is a $140 copay, and no coinsurance. Urgently Needed Services have a copay between $0 and $65, with no coinsurance. Worldwide Emergency Services include Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, each with no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services are covered with no copay, while Chiropractic Services have a $20 copay. Occupational Therapy Services have a copay between $0 and $25, and Physician Specialist Services have a copay between $0 and $40. Mental Health Specialty Services, including individual and group sessions, and Individual and Group Sessions for Psychiatric Services have no copay. Podiatry Services, including Routine Foot Care, and Other Health Care Professional have a copay of $40. Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $25. Additional Telehealth Benefits have no copay, and Opioid Treatment Program Services have no copay.
Preventive Services See details
The AARP Medicare Advantage from UHC IA-0003 (PPO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are not covered, but kidney disease education services are covered with no copay. Other preventive services such as glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit, are covered with no copay.
Hearing Services See details
Hearing services are covered, including hearing exams with no copay, routine hearing exams (1 per year) with no copay, and OTC hearing aids with a copay between $99 and $829. Prescription hearing aids are partially covered, with a copay between $199 and $1249 for all types, but are not covered for inner, outer, or over the ear types. Fitting/Evaluation for Hearing Aid is not covered.
Vision Services See details
The AARP Medicare Advantage from UHC IA-0003 (PPO) plan covers vision services, including routine eye exams with no copay, and eyewear with a combined maximum benefit of $200 every two years for both in-network and out-of-network services. Contact lenses and eyeglass frames have no copay, while eyeglass lenses have a copay between $0 and $153. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with 20% coinsurance. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are also covered with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with a $35 copay for Medicare Part B insulin drugs and a coinsurance between 0% and 20% for Medicare Part B chemotherapy/radiation drugs and other Medicare Part B drugs. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC IA-0003 (PPO) plan, but prior authorization is required. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices, Medicare-covered Prosthetic Devices, and Medical Supplies have a 20% coinsurance, while Medicare-covered Diabetic Supplies have a coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services with a copay, diagnostic procedures and tests with a $50 copay, and lab services with no copay. Radiological Services include a copay for diagnostic and therapeutic services, a coinsurance for therapeutic services, and a $25 copay for outpatient X-ray services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC IA-0003 (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services. There is a copay for Cardiac Rehabilitation Services, but the exact amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC IA-0003 (PPO) with prior authorization required. There is no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services includes a meal benefit with no copay, but all other services are not covered.
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