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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.
Get started now.
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
CoverageCost
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).
CoverageCost
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.
CoverageCost
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.
CoverageCost
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.
CoverageCost
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.
CoverageCost
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: Flu shotsHepatitis B shotsPneumococcal shotsTobacco 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.
CoverageCost
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.