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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 2026, 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 2026 to people living in Select Counties of 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 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 $70.00. 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 NH-0003 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, or through mail-order services. Tier 2 generic drugs require a $12 copay for a 1-month supply at standard pharmacies, but offer a 3-month supply with no copay when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs carry a 16% coinsurance, while Tier 4 non-preferred drugs require a 33% coinsurance for a 1-month supply. Tier 5 specialty drugs have a 26% coinsurance for a 1-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC NH-0003 (PPO) plan offers comprehensive coverage for core medical services, featuring no copay and no coinsurance for primary care, telehealth, and preventive care. Specialist visits range from no copay up to a $50 copay, while emergency room visits require a $130 copay that is waived upon admission. For hospital care, inpatient stays require a $485 daily copay for the first five days with no copay thereafter, and outpatient services range from no copay up to $485. This plan also includes essential support services, featuring no copays for routine vision and hearing exams alongside coverage for hearing aids and eyewear. While home health and cardiac rehabilitation services carry no copay, dialysis and durable medical equipment require a 20% coinsurance. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days of care.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC NH-0003 (PPO) with no coinsurance, requiring a $485 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and days 1-4 of psychiatric stays (no copay for days 5-90). Non-Medicare-covered stays, hospital upgrades, and additional days for psychiatric care are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0.00 to $485.00, and outpatient substance abuse services have copays ranging from $0.00 to $25.00, with prior authorization required for most of these covered services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature 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 NH-0003 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $50 copay with no coinsurance. Physical, occupational, and speech therapy require a $25 copay with no coinsurance, whereas chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC NH-0003 (PPO) with no copay and no coinsurance for covered care such as annual physical exams, diabetes training, and fitness benefits. Non-covered services under this plan include health education, in-home safety assessments, personal emergency response systems, nutritional or dietary benefits, and alternative therapies.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NH-0003 (PPO) with no coinsurance for all covered services. Routine exams have no copay, but fitting and evaluation exams are not covered. Up to two prescription hearing aids (copays of $199 to $1,249) and OTC hearing aids (copays of $199 to $829) are covered annually, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC NH-0003 (PPO), offering routine eye exams and select eyewear with no coinsurance, no copay for exams, contact lenses, and frames, and a $0 to $153 copay for eyeglass lenses. A $300 combined eyewear maximum applies every two years, while other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NH-0003 (PPO) partially covers dental services, providing Medicare-covered dental care with no copay and 20% coinsurance, and preventive care like cleanings and exams with no copay and no coinsurance. Several dental sub-services are not covered under this plan, including restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs have a coinsurance ranging from no coinsurance up to 20%, while covered Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NH-0003 (PPO) with prior authorization required. Diagnostic procedures and tests require a $45 copay with no coinsurance, lab services and diagnostic radiology have no copay, outpatient X-rays cost a $30 copay, and therapeutic radiology services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC NH-0003 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under the AARP Medicare Advantage from UHC NH-0003 (PPO) plan require prior authorization and feature no copay and no coinsurance. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC NH-0003 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coverage provided for additional days beyond the Medicare limit.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC NH-0003 (PPO), which offers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
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