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AARP Medicare Advantage from UHC MS-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MS-0002 (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 MS-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MS-0002 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Mississippi. 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 MS-0002 (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 MS-0002 (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 MS-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $45.00. 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 MS-0002 (PPO) prescription drug plan features an annual drug deductible of $600. Under this plan, Tier 1 preferred generic drugs have no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. For Tier 2 generic drugs, you will pay a $10 copay for a 1-month standard pharmacy supply, or no copay for a 3-month supply when using preferred mail order. For brand-name and specialty prescriptions, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs carry a 41% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply at standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC MS-0002 (PPO) plan offers comprehensive coverage with no copays and no coinsurance for primary care visits, routine vision and hearing exams, and home health care. Members also enjoy no copays on preventive dental services up to a $2,000 yearly limit, diagnostic lab tests, and over-the-counter items. Specialist doctor visits and urgently needed care are also highly affordable, with copays starting at no copay up to $45 or $50 and no coinsurance. For inpatient hospital stays, members pay a daily copay of $395 for the first several days and no copay for the remaining days, with no coinsurance required. Emergency room visits carry a $130 copay, which is waived if you are admitted, while skilled nursing facility care features no copay for the first 20 days. Additionally, services such as dialysis, medical equipment, and therapeutic radiology require no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MS-0002 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1 to 7 of acute stays and days 1 to 5 of psychiatric stays, with no copays for remaining covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MS-0002 (PPO) covers outpatient services with no coinsurance, featuring a $0 to $395 copay for outpatient hospital services and a $395 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MS-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MS-0002 (PPO) covers Medicare-approved ground and air ambulance services with a $275.00 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC MS-0002 (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 require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC MS-0002 (PPO) plan feature no copay and no coinsurance for primary care provider visits and telehealth. Specialist visits, therapy, and mental health services are covered with no coinsurance and copays ranging from no copay up to $45, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC MS-0002 (PPO) provides partially covered preventive services with no copay and no coinsurance for covered services like annual exams, fitness benefits, and kidney education. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, tobacco cessation counseling, disease management, telemonitoring, remote access technologies, or counseling.
Hearing Services See details
Hearing services covered by AARP Medicare Advantage from UHC MS-0002 (PPO) are partially covered, offering one annual routine exam with no copay and no coinsurance, but fitting and evaluation services are not covered. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay, and up to two OTC hearing aids are covered with a $199 to $829 copay, both with no coinsurance. Inner, outer, and over-the-ear prescription hearing aids are not covered under this plan.
Vision Services See details
AARP Medicare Advantage from UHC MS-0002 (PPO) provides partially covered vision services, featuring one annual routine eye exam with no copay or coinsurance. Eyewear is covered with no coinsurance up to a $200 combined limit every two years, including contacts and frames with no copay and lenses with a $0 to $153 copay, though upgrades and other eye exams are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC MS-0002 (PPO), excluding implant services and orthodontics. Diagnostic and preventive services, such as cleanings and exams, have no copay and no coinsurance up to a $2,000 yearly limit. Medicare-covered dental services require no copay and 20% coinsurance, while covered comprehensive services have no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the AARP Medicare Advantage from UHC MS-0002 (PPO) with no copay, though prior authorization is required. Medicare Part B drugs, including chemotherapy and radiation, require no copay and carry a coinsurance ranging from no coinsurance to 20%, while covered Part B insulin has a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC MS-0002 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment covered by AARP Medicare Advantage from UHC MS-0002 (PPO) includes durable medical equipment, prosthetics, and diabetic therapeutic shoes and inserts, all featuring 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
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC MS-0002 (PPO), with prior authorization required for these services. Lab services and diagnostic radiology have no copay or coinsurance, while diagnostic tests require a $50 copay with no coinsurance, outpatient X-rays cost a $25 copay, and therapeutic radiology requires 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC MS-0002 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC MS-0002 (PPO) plan, as none of the individual sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC MS-0002 (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, though a prior three-day hospital stay is not, and additional days beyond the standard Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MS-0002 (PPO) partially covers other services, providing over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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