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AARP Medicare Advantage from UHC FL-0031 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0031 (Regional 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 FL-0031 (Regional PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) is a Regional PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Florida. 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 FL-0031 (Regional 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 FL-0031 (Regional 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 FL-0031 (Regional PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $62.00. 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 $13900.00 (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 $13900.00 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 FL-0031 (Regional PPO) drug coverage includes a $600 annual drug deductible. Under this plan, Tier 1 preferred generic drugs have no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost an $8 copay for a 1-month standard pharmacy supply, but you can save with no copay on a 3-month supply through preferred mail order. For higher-tier medications, costs are structured as coinsurance. Tier 3 preferred brand drugs require a 17% coinsurance across standard pharmacies and mail-order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 33% and 26% coinsurance, respectively, for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0031 (Regional PPO) plan offers comprehensive coverage for core medical needs, featuring no copays for primary care visits, telehealth, and preventive services. For specialized care, specialist visits require up to a $55 copay, while emergency room visits carry a $115 copay that is waived if you are admitted. Inpatient hospital stays require a $485 daily copay for the first few days with no coinsurance, and home health services are available with no copay. Routine vision exams and eyewear frames are available with no copay, but routine dental services like cleanings are not covered under this plan. Hearing health includes an annual routine exam with no copay, alongside copays ranging from $199 to $1,249 for prescription hearing aids. Additionally, durable medical equipment, dialysis services, and Medicare-allowed dental care require no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers inpatient hospital services with no coinsurance, requiring a $485 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, with no copay for remaining days. Prior authorization is required, and the benefit is partially covered as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FL-0031 (Regional PPO) with no coinsurance, featuring copays ranging from $0 to $485 for outpatient hospital services and a $485 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance. Outpatient substance abuse services require no coinsurance, with copays ranging from $0 to $25 for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage from UHC FL-0031 (Regional PPO) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, although prior authorization is required. Transportation services are not covered, including trips to plan-approved or any health-related locations.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance, while chiropractic services are not covered. Other services are covered with no coinsurance, including specialist visits ($0 to $55 copay), therapy services ($35 to $55 copay), and mental health or psychiatric sessions (up to $25 copay).
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0031 (Regional PPO) with no copay and no coinsurance for covered services like annual physicals, kidney disease education, diabetes training, and fitness benefits. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers hearing services with no coinsurance, featuring one annual routine hearing exam with no copay, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are partially covered with a $199.00 to $1,249.00 copay and no coinsurance, excluding inner, outer, and over-the-ear models, while up to two OTC hearing aids are covered with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) offers partially covered vision services with no coinsurance, featuring no copay for routine eye exams, contact lenses, and eyeglass frames, and a copay of $0.00 to $153.00 for eyeglass lenses. A combined maximum benefit of $200 is available every two years for eyewear, though other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-0031 (Regional PPO), which covers Medicare-allowed dental services with no copay and a 20% coinsurance, subject to prior authorization. Other services, including routine cleanings, oral exams, x-rays, fluoride, restorative, and orthodontic services, are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry a coinsurance ranging from no coinsurance to 20%, while Medicare Part B insulin is covered with a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC FL-0031 (Regional PPO) 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 FL-0031 (Regional PPO), with prior authorization required for most services. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts are available with no copay and a 20% coinsurance, while diabetic supplies are covered with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC FL-0031 (Regional PPO) with prior authorization required. Diagnostic tests have a $50 copay and lab services have no copay, both with no coinsurance. Radiological services require a $15 copay plus coinsurance for X-rays, copays starting at $0 for diagnostic radiology, and a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC FL-0031 (Regional PPO) with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC FL-0031 (Regional PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. You pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the standard Medicare limit are not covered.
Other Services See details
Other services are partially covered under the AARP Medicare Advantage from UHC FL-0031 (Regional PPO) plan, which offers a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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