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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 2025, 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 4 out of 5 stars in 2025.
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 $26.00. 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 $14000.00 (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 $14000.00 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
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 a variety of benefits, including inpatient and outpatient services with varying copays. You'll find no copays for many services, such as primary care, preventive services, hearing exams, vision exams, dental cleanings, and home health services. Emergency Services have a $110 copay, and ambulance services have a $275 copay. Additional benefits include coverage for hearing aids, vision eyewear, and dental services, and various medical services such as home infusion, dialysis, and medical equipment with coinsurance. This plan also covers services like partial hospitalization and cardiac rehabilitation, with specific copays and prior authorization requirements.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care. For acute care, you pay a $475 copay for days 1-5, and no copay for days 6-90, while additional days have no copay. For psychiatric care, you pay a $475 copay for days 1-4, and no copay for days 5-90. Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services, are covered. Outpatient Hospital Services have a copay between $0 and $475, while Observation Services have a $475 copay. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25. Group Sessions for Outpatient Substance Abuse have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan. This plan has a $275 copay for both ground and air ambulance services, with no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan, with a $110 copay and no coinsurance, and the copay is waived if admitted to the hospital within 24 hours. Urgently Needed Services are covered with a copay between $0 and $45, and no coinsurance. Worldwide Emergency Services are also covered, with a copay of $0 for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, and no coinsurance.
Primary Care See details
Primary Care includes coverage for primary care physician services with no copay. Chiropractic Services have a $15 copay, while Occupational Therapy Services have a copay between $0 and $35. Physician Specialist Services, Physical Therapy, and Speech-Language Pathology Services have a copay between $0 and $50. Additional Telehealth Benefits and Opioid Treatment Program Services have no copay, while Mental Health and Psychiatric Services have a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions. Podiatry Services, including routine foot care, have a $45 copay. Other Health Care Professional services have a copay between $0 and $50.
Preventive Services See details
The AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, like Fitness Benefit, Home and Bathroom Safety Devices and Modifications, Kidney Disease Education Services, and Other Preventive Services, are covered with a $0 copay.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered with no copay for one visit per year. Prescription hearing aids are covered with a copay between $199 and $1249 for two per year, and OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision Services include eye exams with no copay, routine eye exams with no copay for one exam every year, and eyewear benefits with no copay for contact lenses and eyeglass frames, and a copay between $0-$153 for eyeglass lenses, with a combined maximum of $200 every two years. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services 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, restorative, adjunctive general, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and oral and maxillofacial surgery are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan, with coverage for Medicare Part B Insulin Drugs with a $35 copay and a coinsurance between 0% and 20%, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with a coinsurance between 0% and 20%. Prior authorization is required for this benefit.
Dialysis Services See details
Dialysis Services are covered with a coinsurance of 20%. Prior authorization is required.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Prosthetic Devices and Medical Supplies also have a 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered, and Diabetic Supplies have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services includes coverage for all diagnostic services, diagnostic procedures/tests with a $45 copay, and lab services with no copay. Radiological Services include coverage for diagnostic services with a copay up to $250, therapeutic radiological services with up to 20% coinsurance, and outpatient X-ray services with a $30 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required, and copays apply; see the plan details for more information.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization required. There is no copay for days 1-20, and a $203 copay for days 21-100; additional days beyond Medicare-covered for SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
The AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) plan covers Over-the-Counter (OTC) items and Meal Benefits. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered. There is no copay for OTC items and Meal Benefits.
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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.
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