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AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx MA-MA01 (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 Patriot No Rx MA-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Massachusetts. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx MA-MA01 (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 Patriot No Rx MA-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $60.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth services, and annual preventive exams. Specialist visits require a copay ranging from $0 to $55, while inpatient hospital stays incur a $455 daily copay for the first several days before transitioning to no copay. Emergency care is covered with a $130 copay that is waived if admitted, and urgently needed services carry a copay of $0 to $50. Ancillary benefits include a $2,000 annual dental limit with no copay, although comprehensive dental services require a 50% coinsurance. Routine vision and hearing exams feature no copay, while prescription hearing aids and eyewear are covered with varying copayments. Additionally, home health services, diagnostic labs, and over-the-counter benefits are available with no copay, while durable medical equipment and dialysis require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $455 daily copay for days 1 to 6 of acute stays (with no copay for days 7 and beyond) and days 1 to 5 of psychiatric stays (with no copay for days 6 to 90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) covers outpatient services with no coinsurance, although prior authorization is required for most services. There is no copay for ambulatory surgical center and blood services, while outpatient hospital services require a copay of $0 to $455 and outpatient substance abuse sessions have a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO), featuring a $275 copay and no coinsurance for both ground and air ambulance services under prior authorization. Although some transportation services are covered, transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) emergency services are covered with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services require 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
Primary care and professional services under the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) feature no coinsurance, offering no copay for primary care visits and telehealth services, and a copay of $0 to $55 for specialists. Physical, occupational, and speech therapies require copays of $50 to $55 with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services for the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) are covered with no copay and no coinsurance for annual physical exams, kidney disease education, and routine screenings. Additional preventive benefits are partially covered, offering fitness benefits and home safety devices at no cost, while services such as health education, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) partially covers hearing services, providing one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids are covered yearly with no coinsurance and a copay of $199.00 to $1,249.00, excluding inner, outer, and over-the-ear types. Additionally, up to two over-the-counter (OTC) hearing aids are covered per year with no coinsurance and a copay ranging from $199.00 to $829.00.
Vision Services See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) partially covers vision services, offering no copay and no coinsurance for annual routine eye exams, contact lenses, and eyeglass frames, with a $150 combined maximum eyewear limit every two years. Eyeglass lenses carry a $0 to $153 copay and no coinsurance, while other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) with a $2,000 annual maximum benefit and no copay for all covered services. Preventive care has no coinsurance, comprehensive services require a 50% coinsurance, and Medicare-covered services require a 20% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) with no copay, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs require no copay and a coinsurance of no coinsurance to 20%, while Part B insulin requires a $35 copay and a coinsurance of no coinsurance to 20%.
Dialysis Services See details
The AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (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 medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) covers diagnostic and radiological services, featuring no copay and no coinsurance for lab services. Diagnostic procedures and tests require a $50 copay with no coinsurance, outpatient X-rays carry a $30 copay, and therapeutic radiology requires a 20% coinsurance, with prior authorization required for these services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) plan, as none of the sub-services, such as intensive cardiac, pulmonary, or SET for PAD rehabilitation, are covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-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 standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO), which provides over-the-counter (OTC) items and meal benefits for chronic illnesses 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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