2022 AARP Medicare Advantage Choice (PPO)
AARP Medicare Advantage Choice (PPO) H4829-005 is a 2022 Medicare Advantage Plan or Part-C by UnitedHealthcare available to residents in California. This plan includes additional prescription drug (Part-D) coverage. The AARP Medicare Advantage Choice (PPO) has a monthly premium of $89.00 and has an in-network maximum out-of-pocket limit of $6,700 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $6,700 out-of-pocket. This can be a extremely nice safety net.
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AARP Medicare Advantage Choice (PPO) is a Local PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.
UnitedHealthcare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for AARP Medicare Advantage Choice (PPO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from UnitedHealthcare and not Original Medicare. With Medicare Advantage you are always covered for urgently needed and emergency care. Plus you receive all the benefits of Original Medicare from UnitedHealthcare except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.
2022 UnitedHealthcare Medicare Advantage Plan Costs
| Name: | AARP Medicare Advantage Choice (PPO) |
|---|---|
| Plan ID: | H4829-005 |
| Provider: | UnitedHealthcare |
| Year: | 2022 |
| Type: | Local PPO |
| Monthly Premium C+D: | $89.00 |
| Part C Premium: | $58.10 |
| MOOP: | $6,700 |
| Part D (Drug) Premium: | $30.90 |
| Part D Supplemental Premium | $0.00 |
| Total Part D Premium: | $30.90 |
| Drug Deductible: | $200.00 |
| Tiers with No Deductible: | 1 |
| Gap Coverage: | Yes |
| Benchmark: | not below the regional benchmark |
| Type of Medicare Health: | Enhanced Alternative |
| Drug Benefit Type: | Enhanced |
| Similar Plan: | H4829-006 |
| New Plan: | 2023 H4829-006 |
AARP Medicare Advantage Choice (PPO) Part-C Premium
UnitedHealthcare charges a $58.10 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
H4829-005 Part-D Deductible and Premium
AARP Medicare Advantage Choice (PPO) has a monthly drug premium of $30.90 and a $200.00 drug deductible. This UnitedHealthcare plan offers a $30.90 Part-D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by UnitedHealthcare above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $30.90 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.
UnitedHealthcare Gap Coverage
In 2022 once you and your plan provider have spent $4430 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This UnitedHealthcare plan does offer additional coverage through the gap.
Premium Assistance
The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage. Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The AARP Medicare Advantage Choice (PPO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $7.70 for 75% low income subsidy $15.40 for 50% and $23.20 for 25%.
| Full LIS Premium: | $0.00 |
|---|---|
| 75% LIS Premium: | $7.70 |
| 50% LIS Premium: | $15.40 |
| 25% LIS Premium: | $23.20 |
H4829-005 Formulary or Drug Coverage
AARP Medicare Advantage Choice (PPO) formulary is divided into Tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price. You can see complete 2022 AARP Medicare Advantage Choice (PPO) H4829-005 Formulary here.
| Drug Tier | Copay Preferred Pharmacy |
Copay Nonpreferred Pharmacy |
|---|---|---|
| Tier 1 | NA | $4 |
| Tier 2 | NA | $12 |
| Tier 3 | NA | $47 |
| Tier 4 | NA | $100 |
| Tier 5 | NA | 29% |
Coverage Area for AARP Medicare Advantage Choice (PPO)
(Click county to compare all available Advantage plans)
| State: |
California |
|---|---|
| County: |
Santa Barbara |
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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit.
Includes 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.