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AARP Medicare Advantage Patriot No Rx KY-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 KY-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 KY-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx KY-MA01 (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 Patriot No Rx KY-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 KY-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 KY-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 $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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) plan provides excellent coverage for essential medical needs, offering no copays for primary care doctor visits, telehealth services, and annual physical exams. For more advanced medical care, inpatient hospital stays require a 425 dollar daily copay for the first five days with no copay thereafter, while specialist visits require a copay of up to 55 dollars with no coinsurance. Outpatient hospital visits have copays ranging from no copay up to 425 dollars, and emergency room visits carry a 130 dollar copay that is waived if you are admitted. This plan also includes valuable supplemental benefits, featuring no copays for preventive dental care, routine hearing exams, and annual eye exams. Comprehensive dental services are covered up to a 5,000 dollar annual maximum with 50 percent coinsurance, and eyewear is supported by a 200 dollar limit every two years. Additionally, members can access diabetic supplies, over-the-counter items, and chronic illness meals with no copay, while durable medical equipment and dialysis services require a 20 percent coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) partially covers inpatient hospital stays with no coinsurance, requiring a $425 daily copay for days 1 to 5 and no copay for days 6 to 90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) with no coinsurance. Ambulatory Surgical Center (ASC) and outpatient blood services have no copay, while outpatient hospital visits require a copay of $0 to $425, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) covers Medicare-covered ground and air ambulance services with a $290.00 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $50 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 Patriot No Rx KY-MA01 (PPO) provides primary care physician visits, telehealth, and opioid treatment with no copays and no coinsurance. Specialist visits, mental health sessions, and physical therapies are covered with copays ranging from $0 to $55 and no coinsurance, though routine chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) offers coverage for preventive services with no copay and no coinsurance, including annual physical exams, fitness benefits, and home safety devices. However, these benefits are only partially covered, as sub-services such as health education, in-home safety assessments, personal emergency response systems, and weight management programs are not covered.
Hearing Services See details
Hearing Services are partially covered by AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO), offering routine hearing exams with no copay or coinsurance, and up to two prescription or OTC hearing aids per year with no coinsurance and copays ranging from $199.00 to $1,249.00. Fitting and evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) offers partially covered vision services with no coinsurance, featuring no copay for annual routine eye exams and contact lenses, and a $0 to $153 copay for eyeglass lenses. Eyewear has a $200 combined maximum limit every two years, but other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO), which features a $5,000 annual maximum benefit. Preventive dental care has no copay and no coinsurance, Medicare-covered dental services have no copay and 20% coinsurance, and comprehensive services have no copay and 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, have no coinsurance to 20% coinsurance, with insulin also carrying a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) 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 and no coinsurance, though prior authorization is required for most medical equipment and supplies.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) plan, with prior authorization required. Lab services and diagnostic radiological services have no copay and no coinsurance, while diagnostic tests require a $50 copay, outpatient X-rays require a $30 copay with coinsurance, and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, 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
AARP Medicare Advantage Patriot No Rx KY-MA01 (PPO) covers Skilled Nursing Facility (SNF) care 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 three-day prior hospital stay is not required, additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx KY-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 benefit, 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
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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.
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