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AARP Medicare Advantage from UHC NH-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NH-0003 (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 NH-0003 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC NH-0003 (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 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC NH-0003 (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 NH-0003 (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 NH-0003 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $46.00. 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 $420.00 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 NH-0003 (PPO) plan has an "Enhanced Alternative" drug benefit. The plan has a deductible of $420.00. After the deductible, you'll pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you'll pay a $10.00 copay for a preferred generic at a standard pharmacy. For non-preferred drugs, you'll pay 28% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC NH-0003 (PPO) plan offers comprehensive coverage, including inpatient hospital stays with a $445 copay per admission, and outpatient services with varying copays. You'll find no copay for primary care visits, preventive services, routine hearing and vision exams, and many dental services. This plan also covers ambulance services with a $290 copay and emergency services with a $125 copay. Additionally, you will find coverage for home health services and skilled nursing facilities (SNF) with no or low copays, as well as coverage for diagnostic and radiological services.
Inpatient Hospital See details
Inpatient hospital services are covered, with a copay of $445 per admission for days 1-6, and no copay for days 7-90. Additional days for inpatient hospital-acute have no copay for days 91-999. Non-Medicare-covered stays and upgrades for inpatient hospital-acute are not covered. Inpatient hospital psychiatric services are covered with a copay of $445 for days 1-5 and no copay for days 6-90. Additional days and non-Medicare-covered stays for inpatient hospital psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including all outpatient hospital services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient Hospital Services have a copay between $0 and $445, and Observation Services have a $445 copay. Ambulatory Surgical Center Services, and Outpatient Blood Services have no copay, while Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, and Group Sessions for Outpatient Substance Abuse have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered by this plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the AARP Medicare Advantage from UHC NH-0003 (PPO) plan. Ground and Air Ambulance Services each have a $290 copay, with no coinsurance, while Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Services, are covered by AARP Medicare Advantage from UHC NH-0003 (PPO). Emergency Services have a $125 copay, and Urgently Needed Services have a copay between $0 and $55, but there is no coinsurance for either. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The AARP Medicare Advantage from UHC NH-0003 (PPO) plan covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy services are covered with a copay between $0 and $45, while physician specialist services and physical therapy have a copay between $0 and $50. Individual sessions for mental health and psychiatric specialty services have a copay between $0 and $25, and group sessions have a $15 copay. Podiatry services have a $45 copay, and other health care professional services have a copay between $0 and $50. Additional telehealth benefits and opioid treatment program services have no copay.
Preventive Services See details
The AARP Medicare Advantage from UHC NH-0003 (PPO) plan covers preventive services, including an annual physical exam with no copay. Other preventive services are covered with no copay, including glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit. Additional preventive services such as health education, in-home safety assessments, and other services are not covered.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are limited to one per year with no copay. Prescription hearing aids are covered with a copay between $199 and $1249, limited to two per year, while OTC hearing aids have a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids (inner ear, outer ear, and over the ear) are not covered.
Vision Services See details
Vision Services include routine eye exams with no copay. Eyewear benefits are covered, but contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services with AARP Medicare Advantage from UHC NH-0003 (PPO) include a 20% coinsurance for Medicare dental services, and no copay for oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services. Orthodontic services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable, fixed), maxillofacial prosthetics, implant services, oral and maxillofacial surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage from UHC NH-0003 (PPO) plan and require prior authorization. This plan has a $35 copay for Medicare Part B Insulin Drugs, with a coinsurance between 0% and 20% for Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC NH-0003 (PPO) plan, but require prior authorization. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have a 20% coinsurance for Medicare-covered services, and Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a $45 copay, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $250, Therapeutic Radiological Services with up to 20% coinsurance, and Outpatient X-Ray Services with a $25 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC NH-0003 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage from UHC NH-0003 (PPO) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC NH-0003 (PPO), with a $0 copay for days 1-20 and a $203 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services with the AARP Medicare Advantage from UHC NH-0003 (PPO) plan covers a meal benefit with no copay, but acupuncture, over-the-counter items, and many other services are not covered.
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