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AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx NH-MA1 (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 NH-MA1 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in New Hampshire. 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 NH-MA1 (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 NH-MA1 (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 NH-MA1 (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 $55.00. 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 NH-MA1 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) plan offers robust medical coverage with no copay for primary care visits, telehealth, and annual preventive exams. Specialist visits require a copay ranging from $0 to $55, while emergency room visits carry a $130 copay that is waived if you are admitted. For inpatient hospital stays, members pay a $495 daily copay for the first five days, followed by no copay for any additional days. Supplementary benefits include no copay for routine annual vision and hearing exams, alongside no-copay preventive dental care. Comprehensive dental services are covered with 50% coinsurance up to a $1,500 annual limit, while home health services and over-the-counter items are also available with no copay. Diagnostic lab services and cardiac rehabilitation require no copay, helping to keep out-of-pocket costs low for essential healthcare needs.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) covers inpatient hospital services with no coinsurance, though prior authorization is required. For acute stays, there is a $495 copay for days 1 through 5 and no copay for days 6 and beyond, while psychiatric stays require a $495 copay for days 1 through 4 and no copay for days 5 through 90. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copays. Outpatient hospital services have a copay of $0 to $495, observation services carry a $495 daily copay, and outpatient substance abuse sessions require copays of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by the AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) with a $290 copay and no coinsurance for both ground and air transport, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (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 are covered with a copay ranging from $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copays and no coinsurance.
Primary Care See details
Primary Care benefits for the AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) feature no coinsurance for all services, including no copay for primary care, telehealth, and opioid treatment. Specialist visits require a $0 to $55 copay, physical and occupational therapies have a $50 to $55 copay, and chiropractic services are partially covered, with routine and other chiropractic services not covered.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. While fitness benefits and home safety modifications are also covered with no copay and no coinsurance, other supplemental preventive services like health education, personal emergency response systems, and nutritional therapy are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) offers partially covered hearing services, featuring one annual routine hearing exam with no copay or coinsurance, though hearing aid fittings and evaluations are not covered. Covered prescription and OTC hearing aids are limited to two per year with no coinsurance and copays ranging from $199 to $1,249, while inner, outer, and over-the-ear prescription models are excluded.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO), offering no copay and no coinsurance for one routine eye exam per year. Covered eyewear includes contact lenses and frames with no copay, and eyeglass lenses with a copay of $0 to $153, up to a $250 combined limit every two years, while other eye exams, upgrades, and bundled eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO), offering preventive care with no copay and no coinsurance, and comprehensive services with no copay and 50% coinsurance up to a $1,500 annual maximum. Medicare-covered dental services require no copay and 20% coinsurance, though orthodontics and implant services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) with no copay, though prior authorization and step therapy are required. Covered Medicare Part B drugs, including chemotherapy and radiation, require 0% to 20% coinsurance with no copay, while Part B insulin is available for a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) plan, including durable medical equipment, prosthetics, and medical supplies which carry 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 Patriot No Rx NH-MA1 (PPO) covers diagnostic tests with a $50 copay and lab services with no copay, both with no coinsurance. Diagnostic radiology starts at no copay with no coinsurance, while outpatient X-rays require a $30 copay with coinsurance, and therapeutic radiology requires a 20% coinsurance and a copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Patriot No Rx NH-MA1 (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 Patriot No Rx NH-MA1 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage Patriot No Rx NH-MA1 (PPO) with no coinsurance and do not require a 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 prior authorization is required and additional days beyond 100 are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx NH-MA1 (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 plan, and prior authorization is required to receive the meal benefit.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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