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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 $39.00. 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 a $600 drug deductible. Under this plan, Tier 1 preferred generic drugs feature no copay for standard pharmacy and mail order options. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but you can save with no copay for a 3-month supply using preferred mail order. For higher-tier medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs carry a 39% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC OH-0015 (PPO) plan offers robust coverage with no copays or coinsurance for primary care visits, telehealth services, annual physical exams, and routine vision and preventive dental care. Specialist visits, mental health services, and physical therapy are also highly affordable, featuring no coinsurance and low copays ranging up to $55. For vision hardware and hearing aids, members can expect predictable copays with no coinsurance, making routine health maintenance easy to manage. When more intensive care is needed, emergency room visits carry a $130 copay, while urgent care services require a low copay up to $50, both with no coinsurance. Inpatient hospital stays feature no coinsurance and a $550 copay for the first few days, after which there is no copay for subsequent days. Additionally, many specialized services like home health care, lab tests, and chronic illness meal benefits are covered with no copays or coinsurance, though some services like dialysis and durable medical equipment require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC OH-0015 (PPO) with no coinsurance, though prior authorization is required and cost-sharing includes a $550 copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, with no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital services require a copay ranging from $0 to $550, while outpatient substance abuse services carry a copay between $0 and $25, with prior authorization required for most benefits.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC OH-0015 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers ground and air ambulance services with a $275 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 from UHC OH-0015 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $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) offers primary care, telehealth, and opioid treatment services with no copay and no coinsurance. Specialist visits, mental health care, and physical therapy are covered with no coinsurance and copays ranging from $0 to $55, though some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC OH-0015 (PPO) with no copay and no coinsurance for covered benefits such as annual physical exams, fitness benefits, home safety devices, and kidney disease education. Sub-services that are not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management programs, and alternative therapies.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OH-0015 (PPO), offering one routine hearing exam annually with no copay and no coinsurance. Prescription hearing aids require a $199 to $1,249 copay and no coinsurance, while over-the-counter hearing aids require a $199 to $829 copay and no coinsurance. Fitting and evaluation exams, alongside inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage from UHC OH-0015 (PPO) plan, featuring no deductibles, no coinsurance, and no copay for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a copay of $0 to $153 up to a combined $200 limit every two years, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) provides partially covered dental services, featuring no copay and no coinsurance for preventive care, and no copay with 20% coinsurance for Medicare-covered dental. Comprehensive treatments including restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, have no coinsurance to 20% coinsurance, with insulin drugs 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 to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, with prior authorization required. Diabetic supplies are covered with no copay under manufacturer limits, while diabetic therapeutic shoes and inserts carry a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers diagnostic and radiological services with no coinsurance and a $50 copay for diagnostic tests, while lab services and diagnostic radiology have no copay. Outpatient X-rays require a $30 copay with coinsurance, therapeutic radiology has a minimum 20% coinsurance, and prior authorization is required for these services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC OH-0015 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by the AARP Medicare Advantage from UHC OH-0015 (PPO) with no copay and no coinsurance, meaning some services are covered, but cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC OH-0015 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. The plan does not require a prior three-day hospital stay, but additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC OH-0015 (PPO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
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