United healthcare aarp medicare advantage choice ppo

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Medical Benefits Under AARP Medicare Advantage Plans from UnitedHealthcare
Non-Medical Benefits Under AARP Medicare Advantage Plans from UnitedHealthcare
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Basic Costs and Coverage
Health Care Services and Medical Supplies
Dental Benefits
Vision Benefits
Hearing Benefits
Preventive Services and Health/Wellness Education Programs
Prescription Drug Costs and Coverage
What is AARP Medicare Advantage Choice PPO?
Is AARP Medicare Advantage the same as UnitedHealthcare?
What are the benefits of AARP Medicare Advantage plan?
Is UnitedHealthcare PPO a good plan?

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AARP Medicare Advantage Plans from UnitedHealthcare offer both medical and non-medical benefits to help you live a healthier life.

Many Medicare Advantage plans offer benefits not usually available through Original Medicare, and American Association of Retired Persons (AARP) Medicare Advantage Plans from UnitedHealthcare are designed to help you make the most of your healthcare spending. While AARP Medicare Advantage Plans from UnitedHealthcare vary by service area, many of them offer both medical and non-medical benefits that help seniors save. Read on for important details about these plans.

Medical Benefits Under AARP Medicare Advantage Plans from UnitedHealthcare

While AARP Medicare Advantage Plans from UnitedHealthcare come in a variety of forms, most of them offer prescription drug coverage. Additionally, many AARP United Healthcare Medicare Advantage Plans offer the following medical benefits:

$0 copays for in-network primary care provider visits
$0 copay for many lab tests
$0 prescription drug copays for most common prescription medications
$0 copay to speak to an in-network healthcare provider using 24/7 telehealth services

These benefits are not available in all plans. You can check the specific plan details of the policies in your region using the official AARP website for Medicare plans.

Non-Medical Benefits Under AARP Medicare Advantage Plans from UnitedHealthcare

“Enrollment in Medicare Advantage plans has doubled in the past decade,” Andrew Clifton, President of Advise Insurance in Bloomington, Ind. and St, Louis, Mo., tells WebMD Connect to Care. “We found that for many members, the availability of extra, non-medical benefits in these plans has been a deciding factor in their selection.”

The non-medical benefits that AARP Medicare Advantage Plans from UnitedHealthcare offer are designed to promote overall health. According to the official AARP website for Medicare plans, most AARP Medicare Advantage plans include the following non-medical benefits:

Fitness Programs: Renew Active™ is a free fitness program designed to help you stay active through both gym and home activities.
Dental Benefits: $0 copays for in-network exams, yearly x-rays, and routine cleanings. Many plans also offer coverage for fillings, crowns, bridges, dentures, and certain kinds of root canals.
Vision Benefits: $0 copays for routine eye exams as well as eyewear allowances for contact lenses or frames, with full coverage for standard lenses.
Hearing Benefits: $0 copays for routine hearing assessments, plus savings on both name brand and UnitedHealthcare exclusive hearing aids.

“The social determinants of health play a major role in health outcomes, and by offering innovative non-medical benefits that eliminate barriers, Medicare Advantage plans are doing their part to help members lead healthier lives,” Clifton says.

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Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? WebMD Connect to Care Advisors may be able to help.

Basic Costs and Coverage

Coverage	Cost
Monthly Deductible	$195
Out of Pocket Max	In-Network: $5900 Out-of-Network: N/A
Initial Coverage Limit	$4430
Catastrophic Coverage Limit	$7,050
Primary Care Doctor Visit	In-Network: Doctor Office Visit: Copayment for Primary Care Office Visit $0.00 Out-of-Network: Doctor Office Visit: Copayment for Medicare Covered Primary Care Office Visit $20.00
Specialty Doctor Visit	In-Network: Doctor Specialty Visit: Copayment for Physician Specialist Office Visit $50.00 Prior Authorization Required for Doctor Specialty Visit Prior authorization required Out-of-Network: Doctor Specialty Visit: Copayment for Medicare Covered Physician Specialist Office Visit $65.00
Inpatient Hospital Care	In-Network: Acute Hospital Services: $450.00 per day for days 1 to 4 $0.00 per day for days 5 to 90 Prior Authorization Required for Acute Hospital Services Prior authorization required Out-of-Network: $495.00 per day for days 1 to 21 $0.00 per day for days 22 to 999
Urgent Care	Copayment for Urgent Care $40.00 Worldwide Coverage: Copayment for Worldwide Urgent Coverage $0.00
Emergency Room Visit	Copayment for Emergency Care $90.00 Copayment for Medicare Covered Emergency Care waived if you are admitted to the hospital within 24 hours Worldwide Coverage: Copayment for Worldwide Emergency Coverage $0.00 Copayment for Worldwide Emergency Transportation $0.00
Ambulance Transportation	In-Network: Ground Ambulance: Copayment for Ground Ambulance Services $285.00 Air Ambulance: Copayment for Air Ambulance Services $285.00 Section B - General 10a Note - NOTE ON AUTHORIZATION: Authorization is required for Non-emergency Medicare-covered ambulance ground and air transportation. Emergency Ambulance does not require authorization. Please see Evidence of Coverage for Prior Authorization rules Prior authorization required Out-of-Network: Ambulance Services: Copayment for Medicare Covered Ambulance Services - Ground $285.00 Copayment for Medicare Covered Ambulance Services - Air $285.00

Health Care Services and Medical Supplies

AARP Medicare Advantage Choice (PPO) covers additional benefits and services, some of which may not be covered by Original Medicare (Medicare Part A and Part B).

Coverage	Cost
Chiropractic Services	In-Network: Copayment for Medicare-covered Chiropractic Services $20.00 Prior Authorization Required for Chiropractic Services Prior authorization required Out-of-Network: Copayment for Medicare Covered Chiropractic Services $65.00
Diabetes Supplies, Training, Nutrition Therapy and Monitoring	In-Network: Copayment for Medicare-covered Diabetic Supplies $0.00 Coinsurance for Medicare-covered Diabetic Therapeutic Shoes or Inserts 20% Prior Authorization Required for Diabetic Supplies and Services Diabetic Supplies and Services limited to those from specified manufacturers(Please see Evidence of Coverage) Prior authorization required Out-of-Network: Copayment for Medicare Covered Diabetic Supplies and Services $75.00 Coinsurance for Medicare Covered Diabetic Supplies and Services 50%
Durable Medical Eqipment (DME)	In-Network: Coinsurance for Medicare-covered Durable Medical Equipment 20% Prior Authorization Required for Durable Medical Equipment Prior authorization required Out-of-Network: Copayment for Medicare Covered Durable Medical Equipment $75.00 Coinsurance for Medicare Covered Durable Medical Equipment 50%
Diagnostic Tests, Lab and Radiology Services, and X-Rays	In-Network: Outpatient Diag Procs/Tests/Lab Services: Copayment for Medicare-covered Diagnostic Procedures/Tests $25.00 Copayment for Medicare-covered Lab Services $0.00 Prior Authorization Required for Outpatient Diag Procs/Tests/Lab Services Outpatient Diag/Therapeutic Rad Services: Copayment for Medicare-covered Diagnostic Radiological Services $0.00 to $155.00 Copayment for Medicare-covered Therapeutic Radiological Services $60.00 Copayment for Medicare-covered X-Ray Services $15.00 Prior Authorization Required for Outpatient Diag/Therapeutic Rad Services Prior authorization required Out-of-Network: Outpatient Diag Procs/Tests/Lab Services: Coinsurance for Medicare Covered Diagnostic Procedures/Tests 30% Copayment for Medicare Covered Lab Services $0.00 Coinsurance for Medicare Covered Diagnostic Radiological Services 30% Coinsurance for Medicare Covered Therapeutic Radiological Services 30% Copayment for Medicare Covered Outpatient X-Ray Services $20.00
Home Health Care	In-Network: Copayment for Medicare-covered Home Health Services $0.00 Prior Authorization Required for Home Health Services Prior authorization required Out-of-Network: Copayment for Medicare Covered Home Health $75.00 Coinsurance for Medicare Covered Home Health 50%
Mental Health Inpatient Care	In-Network: Psychiatric Hospital Services: $450.00 per day for days 1 to 4 $0.00 per day for days 5 to 90 Prior Authorization Required for Psychiatric Hospital Services Prior authorization required Out-of-Network: $495.00 per day for days 1 to 21 $0.00 per day for days 22 to 90
Mental Health Outpatient Care	In-Network: Copayment for Medicare-covered Individual Sessions $25.00 Copayment for Medicare-covered Group Sessions $15.00 Prior Authorization Required for Outpatient Mental Health Services Prior authorization required Out-of-Network: Copayment for Medicare Covered Individual Sessions $30.00 to $40.00 Copayment for Medicare Covered Group Sessions $30.00 to $40.00
Outpatient Services / Surgery	In-Network: Outpatient Hospital Services: Copayment for Medicare Covered Outpatient Hospital Services $0.00 to $400.00 Prior Authorization Required for Outpatient Hospital Services Outpatient Observation Services: Copayment for Medicare Covered Observation Services - Per day $400.00 Prior Authorization Required for Outpatient Observation Services Ambulatory Surgical Center Services: Copayment for Ambulatory Surgical Center Services $0.00 to $350.00 Prior Authorization Required for Ambulatory Surgical Center Services Prior authorization required Out-of-Network: Outpatient Hospital and ASC Services: Coinsurance for Medicare Covered Outpatient Hospital Services 30% Coinsurance for Medicare Covered Ambulatory Surgical Center Services 30%
Outpatient Substance Abuse Care	In-Network: Copayment for Medicare-covered Individual Sessions $25.00 Copayment for Medicare-covered Group Sessions $15.00 Prior Authorization Required for Outpatient Substance Abuse Services Prior authorization required Out-of-Network: Copayment for Medicare Covered Individual or Group Sessions $30.00 to $40.00
Over-the-counter (OTC) Items	In-Network: Over-The-Counter (OTC) Items: Copayment for Over-The-Counter (OTC) Items $0.00 Maximum Plan Benefit of $40.00 every three months Nicotine Replacement Therapy (NRT) offerred as a Part C OTC benefit Out-of-Network: Over-The-Counter (OTC) Items: Copayment for Non-Medicare Covered Over-The-Counter (OTC) Items $0.00 Maximum Plan Benefit of $40.00
Podiatry Services	In-Network: Copayment for Medicare-Covered Podiatry Services $50.00 Copayment for Routine Foot Care $50.00 Maximum 6 visits every year Prior Authorization Required for Podiatry Services Prior authorization required Out-of-Network: Copayment for Medicare Covered Podiatry Services $65.00 Copayment for Non-Medicare Covered Podiatry Services $65.00
Skilled Nursing Facility Care	In-Network: Skilled Nursing Facility Services: $0.00 per day for days 1 to 20 $188.00 per day for days 21 to 52 $0.00 per day for days 53 to 100 Prior Authorization Required for Skilled Nursing Facility Services Prior authorization required Out-of-Network: Coinsurance for Skilled Nursing Facility Services per Stay 30%

Dental Benefits

The following dental services are covered from in-network providers.

Coverage

Cost

Dental Care

In-Network:

Preventive Dental:
Copayment for Oral Exams $0.00

Maximum 2 visits every year

Copayment for Prophylaxis (Cleaning) $0.00

Maximum 3 visits every year

Copayment for Fluoride Treatment $0.00

Maximum 2 visits every year

Copayment for Dental X-Rays $0.00

Maximum 1 visit (Please see Evidence of Coverage for details)

Maximum Plan Benefit of $1000.00 every year for in and out of network services combined for Preventive and Non-Medicare Covered Comprehensive combined

Comprehensive Dental:
Coinsurance for Medicare-covered Benefits 20%
Coinsurance for Non-routine Services 50%
Copayment for Diagnostic Services $0.00

Maximum 1 visit (Please see Evidence of Coverage for details)

Coinsurance for Restorative Services 0% to 50%

Maximum 1 visit (Please see Evidence of Coverage for details)

Copayment for Endodontics $0.00

Maximum 1 visit (Please see Evidence of Coverage for details)

Coinsurance for Periodontics 50%

Maximum 1 visit (Please see Evidence of Coverage for details)

Coinsurance for Extractions 50%

Maximum 1 visit (Please see Evidence of Coverage for details)

Coinsurance for Prosthodontics, Other Oral/Maxillofacial Surgery, Other Services 0% to 50%

Maximum 1 visit (Please see Evidence of Coverage for details)

Maximum Plan Benefit of $1000.00 every year for in and out of network services combined for Preventive and Non-Medicare Covered Comprehensive combined
Prior Authorization Required for Comprehensive Dental
Prior authorization required

Out-of-Network:

Medicare Covered Dental Services:
Coinsurance for Medicare Covered Comprehensive Dental 40%
Non-Medicare Covered Dental Services:
Copayment for Non-Medicare Covered Preventive Dental $0.00
Coinsurance for Non-Medicare Covered Comprehensive Dental 0% to 50%

Vision Benefits

The following vision services are covered from in-network providers.

Coverage

Cost

Vision Benefits

In-Network:

Eye Exams:
Copayment for Medicare Covered Benefits $0.00
Copayment for Routine Eye Exams $0.00

Maximum 1 Routine Eye Exam every year

Prior Authorization Required for Eye Exams

Eyewear:
Coinsurance for Medicare-Covered Benefits 20%
Copayment for Contact Lenses $0.00
Copayment for Eyeglasses (lenses and frames) $0.00

Maximum 1 Pair every year

Maximum Plan Benefit of $100.00 every year for all Non-Medicare covered eyewear for in and out of network services combined
Prior authorization required

Out-of-Network:

Medicare Covered Vision Services:
Copayment for Medicare Covered Eye Exams $65.00
Coinsurance for Medicare Covered Eyewear 30%
Non-Medicare Covered Vision Services:
Copayment for Non-Medicare Covered Eye Exams $65.00
Copayment for Non-Medicare Covered Eyewear $0.00

Hearing Benefits

The following hearing services are covered from in-network providers.

Coverage

Cost

Hearing Benefits

In-Network:

Hearing Exams:
Copayment for Medicare Covered Benefits $0.00
Copayment for Routine Hearing Exams $0.00

Maximum 1 visit every year

Prior Authorization Required for Hearing Exams

Hearing Aids:
Copayment for Hearing Aids $375.00 to $1425.00

Maximum 2 Hearing Aids every year

Prior Authorization Required for Hearing Aids
Section B - General 18b Note - NOTE ON COST SHARING: Copays will range from a minimum copay of $375 to a maximum of $1,425 based on features and style. NOTE ON COMBINED COVERAGE FOR HEARING AID BENEFIT: Member may purchase a total of two hearing aids every year.
Prior authorization required

Out-of-Network:

Medicare Covered Hearing Services:
Copayment for Medicare Covered Hearing Exams $65.00
Non-Medicare Covered Hearing Services:
Copayment for Non-Medicare Covered Hearing Exams $65.00
Copayment for Non-Medicare Covered Hearing Aids $375.00

Preventive Services and Health/Wellness Education Programs

The following services are covered from in-network providers.

Coverage

Cost

Preventive Services and Health/Wellness Education Programs

In-Network:
$0.00 copay for Medicare Covered Preventive Services:

Abdominal aortic aneurysm screening
Alcohol misuse screenings & counseling
Bone mass measurements (bone density)
Cardiovascular disease screenings
Cardiovascular disease (behavioral therapy)
Cervical & vaginal cancer screening
Colorectal cancer screenings
Depression screenings
Diabetes screenings
Diabetes self-management training
Glaucoma tests
Hepatitis B (HBV) infection screening
Hepatitis C screening test
HIV screening
Lung cancer screening
Mammograms (screening)
Nutrition therapy services
Obesity screenings & counseling
One-time Welcome to Medicare preventive visit
Prostate cancer screenings(PSA)
Sexually transmitted infections screening & counseling
Shots:

COVID-19 shots

Flu shots

Hepatitis B shots

Pneumococcal shots

Tobacco use cessation
Yearly "Wellness" visit

Out-of-Network:

Medicare-covered Zero Dollar Preventive Services:
Coinsurance for Medicare Covered Medicare-covered Preventive Services 0% to 30%

Prescription Drug Costs and Coverage

The AARP Medicare Advantage Choice (PPO) plan offers the following prescription drug coverage, with an annual drug deductible of $195 (excludes Tiers 1 and 2) per year.

Coverage	Cost
Coverage & Cost
Annual Drug Deductible	$195 (excludes Tiers 1 and 2)
Preferred Generic	Standard retail $0.00 Preferred mail order N/A Standard mail order N/A
Generic	Standard retail $10.00 Preferred mail order N/A Standard mail order N/A
Annual Drug Deductible	$195 (excludes Tiers 1 and 2)
Preferred Generic	Standard retail N/A Preferred mail order N/A Standard mail order N/A
Generic	Standard retail N/A Preferred mail order N/A Standard mail order N/A
Annual Drug Deductible	$195 (excludes Tiers 1 and 2)
Preferred Generic	Standard retail $0.00 Preferred mail order $0.00 Standard mail order $0.00
Generic	Standard retail $30.00 Preferred mail order $0.00 Standard mail order $30.00

What is AARP Medicare Advantage Choice PPO?

AARP PPO plans AARP Medicare Advantage offers Preferred Provider Organization (PPO) plans in many of its markets. With a PPO, you have a bit of freedom to choose from among healthcare providers who are either in the plan's preferred network or outside the network.

Is AARP Medicare Advantage the same as UnitedHealthcare?

AARP Medicare Supplement plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP.

What are the benefits of AARP Medicare Advantage plan?

Medical Benefits Under AARP Medicare Advantage Plans from UnitedHealthcare.

$0 copays for in-network primary care provider visits..

$0 copay for many lab tests..

$0 prescription drug copays for most common prescription medications..

$0 copay to speak to an in-network healthcare provider using 24/7 telehealth services..

Is UnitedHealthcare PPO a good plan?

Finally, UnitedHealthcare received an AM Best rating of A (excellent). This means that the company is strong financially and has the ability to pay out claims in the future.

united healthcare aarp medicare advantage choice ppo