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AARP Medicare Advantage from UHC MO-0008 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MO-0008 (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 MO-0008 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MO-0008 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in 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 from UHC MO-0008 (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 MO-0008 (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 MO-0008 (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 does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $600.00 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 $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
The AARP Medicare Advantage from UHC MO-0008 (PPO) plan features a annual drug deductible of $600. For Tier 1 preferred generic drugs, members benefit from no copay for standard pharmacy fills and mail-order services. Tier 2 generic drugs are available with a $10 copay for a 1-month supply at standard pharmacies, or with no copay for a 3-month supply when using preferred mail order. For higher-tier medications, the plan transitions from flat copays to coinsurance percentages. Tier 3 preferred brand drugs require a 15% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 43% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 26% coinsurance across standard pharmacy and mail-order channels.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0008 (PPO) plan offers comprehensive coverage for primary care, telehealth, and preventive services with no copays or coinsurance. For inpatient hospital stays, members pay a $455 copay for the first 5 to 6 days and no copay for the remainder of their stay, while outpatient hospital visits range from no copay up to a $455 copay. Emergency room visits require a $130 copay, which is waived if admitted, and urgent care ranges from no copay to a $50 copay. Specialist visits and diagnostic lab tests are highly accessible, with copays ranging from no copay up to $55 and no coinsurance. Routine vision and hearing exams are covered with no copays, though prescription hearing aids require a copay and Medicare-covered dental services require a 20% coinsurance. Additionally, home health services feature no copay, while durable medical equipment and dialysis require a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $455 copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, followed by no copay for remaining covered days. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital visits require a copay of $0 to $455, while outpatient substance abuse services have copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the AARP Medicare Advantage from UHC MO-0008 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC MO-0008 (PPO) with a $290 copay and no coinsurance for both ground and air transport, requiring prior authorization. Transportation services to plan-approved or other health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered by AARP Medicare Advantage from UHC MO-0008 (PPO) with no copay and no coinsurance. Specialist visits, mental health sessions, and physical therapies feature copays ranging from $0 to $55 with no coinsurance, though chiropractic services are not covered in practice.
Preventive Services See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers essential preventive services, including annual physical exams, fitness benefits, and kidney disease education, with no copay and no coinsurance. However, these benefits are only partially covered, as supplemental services such as health education, nutritional counseling, and home safety assessments are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MO-0008 (PPO), featuring routine hearing exams with no copay and no coinsurance, and prescription hearing aids with a $199 to $1,249 copay and no coinsurance. OTC hearing aids are also covered with a $199 to $829 copay and no coinsurance, but fitting/evaluation services and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MO-0008 (PPO) with no deductible, no coinsurance, and no copay for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a copay of $0.00 to $153.00 under a $300 combined maximum benefit every two years, while other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MO-0008 (PPO) partially covers dental services, offering coverage only for Medicare-covered dental care with no copay and a 20% coinsurance. Preventive and comprehensive dental services, including oral exams, cleanings, x-rays, fluoride, and orthodontics, are not covered under this plan.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC MO-0008 (PPO) with no copay, though prior authorization and step therapy may be required. Associated Medicare Part B chemotherapy and other infusion drugs require 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers medical equipment, including durable medical equipment, prosthetics, and medical supplies, with 20% coinsurance and no copay. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts have a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC MO-0008 (PPO) with no copay for lab services and diagnostic radiological services, and a $45 copay with no coinsurance for diagnostic procedures. Outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiological services have a 20% coinsurance, with prior authorization required for these benefits.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC MO-0008 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC MO-0008 (PPO) covers some cardiac rehabilitation services with no copay and no coinsurance, although prior authorization is required. However, standard 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 from UHC MO-0008 (PPO) covers Skilled Nursing Facility (SNF) services 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 additional days beyond the 100-day Medicare limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC MO-0008 (PPO), which includes a meal benefit for chronic illnesses with no copay, no coinsurance, and prior authorization required. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered under this plan.
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