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AARP Medicare Advantage Patriot No Rx KS-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 KS-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 KS-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Kansas and Missouri. 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 KS-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 KS-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 KS-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 $105.00. 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 KS-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, while specialist visits require a copay of $0 to $60. For hospital stays, inpatient services feature no coinsurance but require a $550 daily copay for the first few days, whereas outpatient hospital copays range from no copay to $550. Emergency room visits carry a $130 copay, which is waived upon admission, and urgent care services require a copay of up to $50. Routine vision, hearing, and preventive dental services are highly accessible with no copays or coinsurance, though comprehensive dental carries a 50% coinsurance up to a $1,500 annual limit. Diagnostic lab tests and home health care also feature no copays or coinsurance. Durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance, subject to prior authorization.
Inpatient Hospital See details
Inpatient hospital services are covered by the AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) with no coinsurance, requiring prior authorization and a $550 daily copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays. There is no copay for days 6 and beyond for acute stays, or days 5 through 90 for psychiatric stays, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services range from no copay to a $550 copay, observation services require a $550 daily copay, and outpatient substance abuse sessions have no coinsurance with copays ranging from no copay to $25.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of up to $50 (with no copay for some services) 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 KS-MA01 (PPO) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits have a copay of $0 to $60 and no coinsurance. Therapy services, including physical, occupational, and speech, require a $50 to $60 copay and no coinsurance, though routine chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) partially covers preventive services with no copay and no coinsurance for covered care, including annual physical exams, fitness benefits, and home safety modifications. However, several supplemental services are not covered, including health education, personal emergency response systems, medical nutrition therapy, weight management programs, and alternative therapies.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) provides partially covered hearing services, including one annual routine hearing exam with no copay, no coinsurance, and no deductible. Prescription hearing aids (copays of $199 to $1,249) and OTC hearing aids (copays of $199 to $829) are covered up to two per year with no coinsurance, though hearing aid fitting or evaluations and inner ear, outer ear, or over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) partially covers vision services with no deductible and no coinsurance, offering no copay for annual routine eye exams, contact lenses, and eyeglass frames, while lenses carry a $0 to $153 copay. Other eye exams, upgrades, and combined eyeglasses packages are not covered, and covered eyewear is limited to a $250 combined maximum benefit every two years.
Dental Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) offers partially covered dental services with a $1,500 annual limit, featuring no copay and no coinsurance for preventive care. Covered comprehensive services require no copay and a 50% coinsurance, while Medicare-covered dental has no copay and a 20% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) covers home infusion bundled services with no copay, although prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, carry between no coinsurance and 20% coinsurance, while Part B insulin requires a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx KS-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 or inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) with prior authorization required. Diagnostic tests require a $50 copay and no coinsurance, lab services have no copay and no coinsurance, and radiological services range from a $30 copay for X-rays to a 20% minimum coinsurance for therapeutic services, with diagnostic radiology copays starting at $0.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) with no copay and no coinsurance, subject to prior authorization. While some services are covered, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO) partially covers other services, providing over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture and other additional services are not covered, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
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