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AARP Medicare Advantage from UHC MO-0009 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MO-0009 (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-0009 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MO-0009 (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-0009 (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-0009 (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-0009 (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-0009 (PPO) plan features a $600 drug deductible before coverage begins. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month supply through mail order. Tier 2 generic medications cost a $10 copay for a 1-month supply at standard pharmacies, but you can receive a 3-month supply with no copay when using preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 39% and 26% coinsurance, respectively, for a 1-month supply at standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0009 (PPO) plan offers comprehensive medical coverage with no coinsurance for inpatient hospital stays, outpatient services, and primary care. You will pay no copay for primary care visits, annual physicals, and home health services, though inpatient hospital stays require a $525 daily copay for the first few days. Emergency care has a $130 copay that is waived upon admission, and skilled nursing facility stays require no copay for the first 20 days. For supplemental care, the plan features routine vision and hearing exams with no copay, plus preventive dental services with no copay up to a $1,000 annual limit. While prescription hearing aids and comprehensive dental care require copays or coinsurance, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance. Additionally, diagnostic labs and outpatient diagnostic radiological services are provided with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, though prior authorization is required. Acute stays incur a $525 daily copay for days 1 through 5 (with no copay for days 6 and beyond), while psychiatric stays require a $525 daily copay for days 1 through 4 (with no copay for days 5 through 90); hospital upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC MO-0009 (PPO) with no coinsurance, featuring no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $525, observation services carry a $525 daily copay, and outpatient substance abuse sessions require a copay of up to $25, with prior authorization required for most benefits.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers Medicare-covered ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered by this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC MO-0009 (PPO) with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of up to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers primary care physician visits and telehealth services with no copay and no coinsurance. Other covered benefits, such as specialist visits, physical therapy, and mental health services, require copays ranging from $0 to $55 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC MO-0009 (PPO) with no copay and no coinsurance for annual physicals, kidney disease education, and diabetes training. Additional preventive benefits are partially covered, offering a fitness benefit with no copay while excluding sub-services like health education, weight management, and in-home safety assessments.
Hearing Services See details
AARP Medicare Advantage from UHC MO-0009 (PPO) offers partially covered hearing services with no coinsurance, including one annual routine hearing exam with no copay. Up to two prescription hearing aids (copays of $199.00 to $1,249.00) and two OTC hearing aids (copays of $199.00 to $829.00) are covered per year, though fitting and evaluation exams, alongside inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage from UHC MO-0009 (PPO) provides partially covered vision services with no deductible or coinsurance, offering no copay for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a copay ranging from $0 to $153 under a $200 combined maximum benefit every two years, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC MO-0009 (PPO), with no coverage for implant services and orthodontics. Preventive dental care has no copay and no coinsurance up to a $1,000 annual limit, while comprehensive services require a 50% coinsurance and Medicare-covered dental services require a 20% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC MO-0009 (PPO) with no copay, while associated Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance. Covered Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC MO-0009 (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers diagnostic and radiological services, subject to prior authorization. Diagnostic tests require a $60 copay with no coinsurance, outpatient X-rays have a $30 copay, therapeutic radiological services have a 20% coinsurance, and both lab and diagnostic radiological services are provided with no copay.
Home Health Services See details
The AARP Medicare Advantage from UHC MO-0009 (PPO) plan covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC MO-0009 (PPO) with no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MO-0009 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day hospital stay. You will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days are not covered.
Other Services See details
AARP Medicare Advantage from UHC MO-0009 (PPO) partially covers other services, offering a meal benefit for chronic illnesses with no copay, no coinsurance, and prior authorization required. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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