A non-government entity
AARP Medicare Advantage Patriot No Rx OK-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 OK-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 OK-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Oklahoma. 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 OK-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 OK-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 OK-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 $85.00. 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:
Sign up for AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) plan provides comprehensive healthcare coverage featuring no copays and no coinsurance for primary care visits, preventive services, annual physicals, and home health care. For hospital stays, members pay a $450 daily copay for the first few days of inpatient care with no coinsurance, while emergency room visits require a $130 copay that is waived upon admission. Specialist visits and urgent care are also highly affordable, ranging from no copay up to a $50 copay. Routine dental, vision, and hearing exams are covered with no copay, though advanced services like hearing aids and comprehensive dental care involve copays or coinsurance. Diagnostic lab work, cardiac rehabilitation, and over-the-counter items are available with no copay, while dialysis and durable medical equipment require 20% coinsurance. Skilled nursing facility stays are also covered with no copay for the first 20 days, followed by a daily copay for longer stays.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) with no coinsurance, requiring a $450 daily copay for days 1-6 of acute stays (no copay for days 7-999) and days 1-5 of psychiatric stays (no copay for days 6-90). Prior authorization is required, and certain services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services, and a $0 to $450 copay for outpatient hospital and observation services. Outpatient substance abuse services are also covered with no coinsurance and a copay of $0 to $25 for individual sessions or $15 for group sessions.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) plan with a $55.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) covers 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 under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx OK-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 of $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
Primary care and telehealth services are covered by the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) with no copay and no coinsurance. Specialist visits require a $0 to $50 copay and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) plan, featuring no copay and no coinsurance for covered benefits such as annual physicals, fitness programs, and safety devices. However, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs are not covered.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) plan, which offers one annual routine hearing exam with no copay and no coinsurance, although hearing aid fittings and evaluations are not covered. Prescription hearing aids have a $199 to $1,249 copay and OTC hearing aids have a $199 to $829 copay, both with no coinsurance, but inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO), offering no copay and no coinsurance for one routine eye exam annually, though other eye exam services are not covered. Covered eyewear options like contact lenses, frames, and lenses feature no coinsurance and copays from $0 to $153 up to a $150 maximum benefit every two years, while upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) offers partially covered dental services, with implant services and orthodontics excluded from coverage. Preventive services have no copay and no coinsurance, comprehensive services require no copay and 50% coinsurance up to a $1,000 annual limit, and Medicare-covered dental has no copay and 20% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) covers Home Infusion bundled services with no copay and no coinsurance, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) covers medical equipment, featuring no copay and 20% coinsurance for durable medical equipment (DME), prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) with no copay or coinsurance for lab services, and a $55 copay with no coinsurance for diagnostic procedures and tests. Diagnostic radiological services feature copays starting at $0, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance, with prior authorization required.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under the AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO), though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx OK-MA01 (PPO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved