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AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx IA-MA01 (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 Patriot No Rx IA-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx IA-MA01 (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 Patriot No Rx IA-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx IA-MA01 (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 Patriot No Rx IA-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $150.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13900.00 (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 $13900.00 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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) offers robust medical coverage with no copays for primary care visits, telehealth, annual physicals, and home health services. For specialized medical care, members will find predictable copayments and no coinsurance for inpatient hospital stays, outpatient services, and emergency room visits. Standard ambulance services require a $290 copay, while worldwide emergency care is available with no copay. Routine vision and hearing exams are covered with no copay, alongside a $2,000 annual limit for preventive dental care with no copay and no coinsurance. Durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance, while diabetic supplies feature no copay. Members also benefit from a $200 eyewear allowance every two years and copays starting at $199 for prescription hearing aids.
Inpatient Hospital See details
Inpatient hospital care is partially covered by the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) with no coinsurance, requiring a $475 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, and no copay for remaining Medicare-covered days. Prior authorization is required, and non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) with no coinsurance, featuring a $475 daily copay for observation services and ranging from no copay to a $475 copay for outpatient hospital services. Ambulatory surgical center and blood services are provided with no copay and no coinsurance, while outpatient substance abuse sessions range from no copay to a $10 copay.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO), requiring a $290.00 copayment and no coinsurance for ground and air ambulance services. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $40 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 Patriot No Rx IA-MA01 (PPO) feature no copay and no coinsurance for primary care and telehealth visits, while specialist and therapy services require copays ranging from $0 to $55 with no coinsurance. Mental health, psychiatric, and podiatry services are also covered with copays up to $45 and no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) with no copay and no coinsurance for annual physicals, kidney education, glaucoma screenings, diabetes training, fitness benefits, and home safety devices. However, this benefit is only partially covered because health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, 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 Patriot No Rx IA-MA01 (PPO) hearing services are partially covered, offering one annual routine hearing exam with no copay and no coinsurance, while fitting evaluations are not covered. Prescription hearing aids carry a copay of $199 to $1,249 and OTC hearing aids carry a copay of $199 to $829 (both with no coinsurance for up to two devices yearly), though inner ear, outer ear, and over-the-ear prescription models are excluded.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO), offering one routine eye exam per year with no copay and no coinsurance, but excluding other eye exams. Eyewear benefits include a $200 limit every two years with no coinsurance, covering contact lenses and frames for no copay and lenses for a $0 to $153 copay, while upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) plan, with implant services and orthodontics being the only excluded sub-services. Preventive dental care is offered with no copay and no coinsurance up to a $2,000 yearly limit, while Medicare-covered services require no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy and other Part B drugs require no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO), including 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 and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) plan, with prior authorization required. Lab services and diagnostic radiology are provided with no copay and no coinsurance, while diagnostic procedures require a $50 copay and no coinsurance, outpatient X-rays require a $30 copay and no coinsurance, and therapeutic radiology requires a 20% coinsurance and no copay.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by the AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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