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AARP Medicare Advantage from UHC MA-0006 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MA-0006 (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 MA-0006 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MA-0006 (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 from UHC MA-0006 (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 MA-0006 (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 MA-0006 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $48.00. 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 MA-0006 (PPO) plan features a $600 annual drug deductible. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost a $12 copay for a 1-month supply at standard pharmacies, but they feature no copay for a 3-month supply when using preferred mail order. Brand-name and specialty medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 34% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MA-0006 (PPO) plan provides strong coverage for core medical needs, featuring no copays for primary care visits, annual physicals, and home health services. 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. Specialist office visits are highly affordable, ranging from no copay up to a $60 copay depending on the service. For specialized care, members enjoy routine vision and hearing exams with no copays, alongside allowances for eyewear and hearing aids. However, routine dental care is not covered, and Medicare-covered dental services, dialysis, and durable medical equipment require a 20% coinsurance. Diagnostic lab work and outpatient radiological services are also fully covered with no copay or coinsurance, making this plan a predictable option for managing healthcare costs.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MA-0006 (PPO) partially covers inpatient hospital care with no coinsurance, requiring prior authorization and a daily copay of $550 for days 1 to 5 for acute stays and days 1 to 4 for psychiatric stays, with no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
AARP Medicare Advantage from UHC MA-0006 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $550 for outpatient hospital services and a $550 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require copays of $0 to $25 per session with no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC MA-0006 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage from UHC MA-0006 (PPO) are covered with a $275 copay and no coinsurance for both ground and air transport, subject to prior authorization. Some transportation services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MA-0006 (PPO) covers emergency services with a $130 copay and no coinsurance, and the copay 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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MA-0006 (PPO) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $60 copay and no coinsurance. Physical therapy requires a $55 copay with no coinsurance, and chiropractic services are only partially covered, with routine chiropractic care and other chiropractic services not covered by the plan.
Preventive Services See details
Preventive Services under the AARP Medicare Advantage from UHC MA-0006 (PPO) are covered with no copay and no coinsurance, including annual physical exams, kidney disease education, and glaucoma screenings. While a fitness benefit is covered, several supplemental services, such as health education, nutritional training, and in-home safety assessments, are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MA-0006 (PPO), featuring one annual routine exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Covered prescription hearing aids (excluding inner, outer, and over-the-ear types) and OTC hearing aids both require no coinsurance, with copays ranging from $199.00 to $1,249.00 and $199.00 to $829.00 respectively for up to two devices per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MA-0006 (PPO) with no deductible and no coinsurance, including one routine eye exam per year with no copay. Eyewear is covered up to a $300 combined maximum every two years with no copay for contact lenses and frames, and a $0 to $153 copay for eyeglass lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC MA-0006 (PPO), which offers Medicare-covered dental services with no copay and a 20% coinsurance, subject to prior authorization. Routine and comprehensive dental services, including oral exams, cleanings, x-rays, and orthodontics, are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC MA-0006 (PPO) with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, have coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and up to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC MA-0006 (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC MA-0006 (PPO) with no copays and a 20% coinsurance for durable medical equipment (DME), prosthetics, medical supplies, and diabetic shoes. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MA-0006 (PPO) covers diagnostic and radiological services, with prior authorization required. Diagnostic tests carry a $50 copay with no coinsurance, lab and diagnostic radiological services have no copay or coinsurance, while outpatient X-rays require a $30 copay and therapeutic radiology has a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC MA-0006 (PPO) plan with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC MA-0006 (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, although prior authorization is required. While the benefit is technically covered, only some services are covered in practice, and standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC MA-0006 (PPO) 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 Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MA-0006 (PPO) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered.
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