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AARP Medicare Advantage Patriot No Rx OH-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 OH-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 OH-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Ohio and 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 OH-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 OH-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 OH-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 $170.00. 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:
Sign up for AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) plan offers robust coverage for everyday health needs, featuring no copay and no coinsurance for primary care visits, telehealth services, and annual preventive exams. Routine vision and hearing exams are also covered with no copay, alongside a one thousand dollar annual benefit limit for dental care. Additionally, members can access diagnostic lab tests, home health care, and cardiac rehabilitation services with no copay or coinsurance. For major medical care, inpatient hospital stays require a daily copay of four hundred eighty-five dollars for the first four to five days, followed by no copay for subsequent days. Emergency room visits carry a one hundred fifteen dollar copay, which is waived upon admission, while outpatient surgery and specialist visits feature low to no copays. Other services, such as dialysis and durable medical equipment, require no copay but carry a twenty percent coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits under the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) plan are partially covered with no coinsurance, requiring a $485 daily copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, followed by no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay between $0 and $485, observation services have a $485 daily copay, and outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) with a $275 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. Although some transportation services are covered, trips to plan-approved or any other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) with a $115 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services are covered with a copay ranging from no copay to $40 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 OH-MA01 (PPO) covers primary care provider visits and telehealth services with no copay and no coinsurance. Specialist visits, mental health, and therapy services are also covered with no coinsurance and copays ranging from $0 to $50, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are covered by the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) with no copay and no coinsurance for services like annual physical exams, fitness benefits, home and bathroom safety devices, kidney education, glaucoma screenings, diabetes self-management, digital rectal exams, and EKGs. However, the benefit is partially covered as sub-services such as 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, smoking cessation counseling, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) offers partially covered hearing services, including one routine hearing exam per year with no copay and no coinsurance. Prescription hearing aids (up to 2 yearly) carry a copay of $199 to $1,249 and OTC hearing aids carry a copay of $199 to $829, both with no coinsurance, but 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
Vision Services under the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) are partially covered with no copay and no coinsurance for annual routine eye exams, contact lenses, and eyeglass frames, plus a $0 to $153 copay for eyeglass lenses, up to a $150 combined limit every two years. Other eye exam services, upgrades, and bundled eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO), featuring a $1,000 annual maximum benefit for both in-network and out-of-network care. Preventive services are offered with no copay and no coinsurance, while Medicare-covered dental services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy and radiation, have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin carries a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Patriot No Rx OH-MA01 (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 Patriot No Rx OH-MA01 (PPO) covers medical equipment, including durable medical equipment (DME), 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.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO), with prior authorization required for all services. Lab services feature no copay and no coinsurance, diagnostic tests require a $45 copay with no coinsurance, and diagnostic radiological services have copays starting at $0 with no coinsurance. Outpatient X-rays require a $30 copay plus coinsurance, while therapeutic radiological services require a copay and a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) require prior authorization and feature no copay and no coinsurance. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by the AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required and a prior three-day inpatient hospital stay is not, but additional days beyond the standard 100 Medicare-covered days are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx OH-MA01 (PPO) partially covers other services, providing over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meals.
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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