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AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx FL-MA01 (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 Patriot No Rx FL-MA01 (Regional PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx FL-MA01 (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 Patriot No Rx FL-MA01 (Regional 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 FL-MA01 (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 Patriot No Rx FL-MA01 (Regional 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 $47.00. 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 $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:
Sign up for AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan offers robust healthcare coverage featuring no copay and no coinsurance for primary care, telehealth, annual physicals, and home health services. Inpatient hospital stays require a $595 copay for the first few days with no copay for subsequent days, while outpatient services range from no copay up to $595. Emergency care is covered with a $115 copay, which is waived if you are admitted within 24 hours. Routine vision, hearing, and preventive dental services are covered with no copay and no coinsurance, helping you save on everyday wellness needs. For medical equipment, prosthetics, and dialysis, members will pay no copay alongside a 20% coinsurance. Diagnostic lab services, cardiac rehabilitation, and home infusion services are also available with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers inpatient hospital services with no coinsurance, requiring a $595 copay for days 1-4 of acute stays and days 1-3 of psychiatric stays, with no copay for subsequent covered days. This benefit is partially covered because upgrades, psychiatric additional days, and non-Medicare-covered stays are not covered, and prior authorization is required.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers outpatient hospital services with a $0 to $595 copay and no coinsurance, and ambulatory surgical center and blood services with no copay and no coinsurance. Outpatient substance abuse services also have no coinsurance, with copays ranging from $0 to $25 for individual sessions and $15 for group sessions, while observation services carry a $595 daily copay and no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers Medicare-approved ground and air ambulance services with a $270 copay and no coinsurance, with prior authorization required. While transportation services are technically covered, trips to plan-approved or any health-related locations are not covered in practice.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services have no coinsurance and a copay ranging from no copay to $40, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) with no copay and no coinsurance for primary care and telehealth visits. Specialist visits, therapy, and mental health services are also covered with no coinsurance and copays ranging from $0 to $55, while chiropractic services are not covered in practice.
Preventive Services See details
Preventive Services are partially covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits. Several supplemental options are not covered, including health education, in-home safety assessments, personal emergency response systems, weight management programs, and nutritional or dietary benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) with no deductible, featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (copay of $199.00 to $1,249.00) and two OTC hearing aids (copay of $199.00 to $829.00) are covered per year with no coinsurance, but inner ear, outer ear, and over the ear prescription devices are excluded.
Vision Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) partially covers vision services with no coinsurance and no copay for annual routine eye exams. Covered eyewear includes contact lenses and frames with no copay, and lenses with a $0 to $153 copay up to a $150 combined limit every two years, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) offers partially covered dental services, featuring no copay and no coinsurance for preventive care like exams, cleanings, fluoride, and x-rays. Medicare-covered dental services require no copay and a 20% coinsurance, while restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan, featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay from specified manufacturers, and prior authorization is required for most of these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers diagnostic and radiological services, with prior authorization required. Under this plan, diagnostic tests have a $25 copay and no coinsurance, lab and diagnostic radiological services have no copay and no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) with no copay and no coinsurance, although prior authorization is required. In practice, some services are covered while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy for peripheral artery disease services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) with no coinsurance, requiring prior authorization but no preceding three-day hospital stay. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO), featuring a meal benefit for chronic illness with no copay and no coinsurance, although prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this 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.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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