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AARP Medicare Advantage Extras from UHC KC-5 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC KC-5 (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 Extras from UHC KC-5 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC KC-5 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Kansas and Missouri. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Extras from UHC KC-5 (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 Extras from UHC KC-5 (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 Extras from UHC KC-5 (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:
Sign up for AARP Medicare Advantage Extras from UHC KC-5 (PPO)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC KC-5 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay at standard pharmacies or for three-month mail orders. Tier 2 generic drugs carry an $8 copay for a one-month supply at standard pharmacies, but choosing a preferred mail-order service for a three-month supply reduces this cost to no copay. Higher-tier medications are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 17% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require 39% and 26% coinsurance, respectively.
Additional Benefits
The AARP Medicare Advantage Extras from UHC KC-5 (PPO) plan provides strong coverage with no copay for primary care visits, routine dental preventive care, routine eye exams, and annual physicals. For inpatient hospital stays, members pay a $545 copay for days 1 through 4 and no copay for days 5 through 90. Emergency care is covered with a $130 copay, while urgent care visits range from no copay to $50. Specialist visits carry a copay ranging from no copay to $55, and home health services are available with no copay. Diagnostic lab work features no copay, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. Additionally, the plan offers a $200 eyewear allowance and hearing aid coverage with copays starting at $199.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO) with no coinsurance, requiring a $545 copay for days 1 through 4 and no copay for days 5 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services at no copay. Outpatient hospital and observation services carry a copay of $0 to $545, while outpatient substance abuse sessions range from a $0 to $25 copay, with prior authorization required for most of these benefits.
Partial Hospitalization See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO), which features a $290 copay and no coinsurance for both ground and air ambulance services. However, transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Extras from UHC KC-5 (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 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
Primary care and professional services under the AARP Medicare Advantage Extras from UHC KC-5 (PPO) are covered with no coinsurance, featuring no copay for primary care, telehealth, and opioid treatment. Other covered services require copays, ranging from $0 to $55 for specialists, $50 to $55 for occupational and physical therapy, $45 for podiatry, and $0 to $25 for mental health; additionally, some chiropractic services are covered with a $15 copay and no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO) with no copays and no coinsurance for covered care such as annual physicals, fitness benefits, home safety devices, and kidney education. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs for chemotherapy hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO), featuring one routine exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids are covered annually with a $199 to $1,249 copay and no coinsurance (excluding inner ear, outer ear, and over the ear types), while up to two OTC hearing aids are covered with a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO), featuring routine eye exams with no copay or coinsurance and a $200 eyewear allowance every two years. While contact lenses, eyeglass frames, and eyeglass lenses (with a copay of $0 to $153) are covered with no coinsurance, other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO), excluding implant services and orthodontics, up to a $2,500 annual limit. Preventive care is available with no copay and no coinsurance, while Medicare-covered services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry no copay and 0% to 20% coinsurance, while Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers durable medical equipment, 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 services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers diagnostic and radiological services with prior authorization, offering lab services and diagnostic radiological services with no copay and no coinsurance. Diagnostic tests require a $45 copay with no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Extras from UHC KC-5 (PPO) plan with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Extras from UHC KC-5 (PPO) offers Cardiac Rehabilitation Services with no copay and no coinsurance under prior authorization, though in practice some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Extras from UHC KC-5 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior 3-day 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 Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage Extras from UHC KC-5 (PPO), as acupuncture is not covered. Covered benefits include over-the-counter (OTC) items and chronic illness meal benefits, both of which are offered with no copay and no coinsurance.
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