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AARP Medicare Advantage from UHC OH-0015 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC OH-0015 (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 OH-0015 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OH-0015 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Ohio and Kentucky. 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 OH-0015 (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 OH-0015 (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 OH-0015 (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 OH-0015 (PPO) plan features an annual prescription drug deductible of $600. Tier 1 preferred generic drugs are highly affordable, offering no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. For Tier 2 generic drugs, you will pay a $14 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay using preferred mail order. Higher-tier medications on this plan require coinsurance rather than flat copays during the initial coverage phase. Tier 3 preferred brand drugs incur a 15% coinsurance, while Tier 4 non-preferred drugs require 39% coinsurance for a 1-month supply. High-cost specialty medications in Tier 5 carry a 26% coinsurance across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC OH-0015 (PPO) plan offers comprehensive medical coverage with predictable costs, featuring no copay and no coinsurance for primary care visits, telehealth, and annual preventive exams. Specialist visits and therapy services require a low copay of up to $60 with no coinsurance. For more intensive care, inpatient hospital stays require a $550 daily copay for the first few days with no copay thereafter, while emergency room visits carry a $130 copay that is waived upon admission. This plan also covers key supplemental benefits, including routine dental cleanings, annual eye exams, and yearly hearing exams with no copay and no coinsurance. Prescription hearing aids and eyeglass lenses are covered with varying copays and no coinsurance, though major dental work and routine chiropractic care are not covered. Additionally, home health services require no copay, while dialysis and durable medical equipment are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OH-0015 (PPO) partially covers inpatient hospital services, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Covered acute stays require a $550 daily copay for days 1-5 (with no copay for days 6 and beyond) and psychiatric stays require a $550 daily copay for days 1-4 (with no copay for days 5-90), both featuring no coinsurance and requiring prior authorization.
Outpatient Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $550 for hospital services and a $550 daily copay for observation services. Ambulatory surgical and blood services require no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays between $0 and $25.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage from UHC OH-0015 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Some transportation services are covered, but trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC OH-0015 (PPO) 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
AARP Medicare Advantage from UHC OH-0015 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits feature a copay of $0 to $60 and no coinsurance. Other services like therapy, podiatry, and mental health are covered with copays ranging up to $60 and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC OH-0015 (PPO), offering services such as annual physical exams, kidney disease education, diabetes training, glaucoma screenings, and a fitness benefit with no copay and no coinsurance. However, several supplemental benefits are not covered under this plan, including health education, in-home safety assessments, personal emergency response systems, nutritional/dietary benefits, weight management, and alternative therapies.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OH-0015 (PPO), featuring no copay and no coinsurance for one annual routine hearing exam, though fitting and evaluation services are not covered. Up to two prescription hearing aids per year are covered with a copay of $199 to $1,249, and up to two OTC hearing aids are covered with a copay of $199 to $829, both with no coinsurance, while 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 from UHC OH-0015 (PPO), offering one routine eye exam per year, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with a $0 to $153 copay and no coinsurance under a $300 combined maximum benefit every two years, while other eye exams, upgrades, and complete eyeglasses (lenses and frames together) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) partially covers dental services, offering Medicare-covered dental with no copay and 20% coinsurance, and preventive care like exams and cleanings with no copay and no coinsurance. Major dental services are not covered, including restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC OH-0015 (PPO) with no copay and no coinsurance, though prior authorization and step therapy may apply. Associated Medicare Part B drugs, including chemotherapy and insulin, require a coinsurance ranging from no coinsurance to 20%, with insulin also carrying a $35 copay.
Dialysis Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for this covered benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require 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 OH-0015 (PPO) with prior authorization required. Lab services have no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, outpatient x-rays carry a $30 copay, and therapeutic radiology services require a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers Home Health Services with no copay and no coinsurance, although 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 from UHC OH-0015 (PPO) plan, though only some services are covered in practice. Specifically, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC OH-0015 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 copay per day for days 21 through 100, and additional days beyond the standard Medicare-covered period are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC OH-0015 (PPO), which includes a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered.
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