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AARP Medicare Advantage from UHC MS-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MS-0003 (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-0003 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MS-0003 (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-0003 (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-0003 (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-0003 (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 MS-0003 (PPO) plan includes a $600 annual drug deductible before coverage begins for certain tiers. For Tier 1 preferred generic drugs, there is no copay for standard pharmacy fills and mail-order services. Tier 2 generic drugs cost $12 for a 1-month standard pharmacy fill, though you can receive a 3-month supply with no copay through preferred mail order. For brand-name and higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance, while Tier 4 non-preferred drugs have a 36% coinsurance for a 1-month supply. Specialty medications in Tier 5 carry a 26% coinsurance for a 1-month supply at both standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC MS-0003 (PPO) plan offers coverage with no copay and no coinsurance for primary care visits, telehealth services, and annual preventive exams. For specialist visits, patients can expect copays ranging from no copay to $55 with no coinsurance, while inpatient hospital stays require a $550 daily copay for the first five days of acute stays before dropping to no copay. Emergency room visits feature a $130 copay with no coinsurance, which is waived if admitted within 24 hours, and urgent care costs range from no copay to a $50 copay. Routine vision and hearing exams are covered with no copay, though prescription hearing aids require copays starting at $199 and eyewear frames are covered up to a $200 limit every two years. Medicare-covered dental services require a 20% coinsurance with no copay, while routine and comprehensive dental care is not covered. Additionally, diagnostic lab services, home health care, and select diabetic supplies are covered with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC MS-0003 (PPO) with no coinsurance, featuring a $550 daily copay for days 1 to 5 of acute stays (no copay for days 6 and beyond) and a $550 daily copay for days 1 to 4 of psychiatric stays (no copay for days 5 to 90). Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MS-0003 (PPO) covers outpatient services with no coinsurance, though prior authorization is required for most treatments. Patients pay no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital copays range from $0 to $550, observation services cost $550 daily, and outpatient substance abuse sessions range from a $0 to $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MS-0003 (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 MS-0003 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC MS-0003 (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 feature 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
AARP Medicare Advantage from UHC MS-0003 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits, mental health, and physical therapies feature no coinsurance and copays ranging from $0 to $55. Chiropractic services are not covered in practice, and prior authorization is required for most specialized services.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC MS-0003 (PPO) with no copay and no coinsurance for covered benefits, which include annual physical exams, fitness benefits, and kidney disease education. However, several supplemental services are not covered, such as health education, in-home safety assessments, personal emergency response systems, and nutritional or dietary benefits.
Hearing Services See details
AARP Medicare Advantage from UHC MS-0003 (PPO) provides partially covered hearing services with no deductible and no coinsurance, featuring one annual routine hearing exam with no copay, though hearing aid fittings and evaluations are not covered. Up to two prescription hearing aids per year are covered with copays ranging from $199 to $1,249 (excluding inner ear, outer ear, and over-the-ear models), while up to two OTC hearing aids are covered with copays from $199 to $829.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MS-0003 (PPO) with no deductible, offering no copay and no coinsurance for annual routine eye exams, contact lenses, and eyeglass frames up to a $200 combined limit every two years. Eyeglass lenses are covered with no coinsurance and a copay of $0 to $153, while other eye exams, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC MS-0003 (PPO), which covers Medicare-covered dental services with no copay and 20% coinsurance, requiring prior authorization. Routine and comprehensive services—such as oral exams, cleanings, x-rays, fluoride, restorative care, endodontics, periodontics, prosthodontics, implants, and oral surgery—are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MS-0003 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require 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-0003 (PPO) plan with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC MS-0003 (PPO) covers durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are offered with no copay from specified manufacturers, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MS-0003 (PPO) covers diagnostic and radiological services, with prior authorization required for all services. Diagnostic tests require a $50 copay and no coinsurance, while lab services and diagnostic radiology are covered with no copay and no coinsurance. Outpatient X-rays require a $30 copay and coinsurance, while therapeutic radiology requires a 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC MS-0003 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC MS-0003 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, 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 from UHC MS-0003 (PPO) with no coinsurance and prior authorization required, with no prior three-day hospital stay needed. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC MS-0003 (PPO), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other additional services are not covered, and the meal benefit requires prior authorization.
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