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2023 AARP Medicare Advantage Choice (PPO)

AARP Medicare Advantage Choice (PPO) H6528-033 is a 2023 Medicare Advantage Plan or Part-C by UnitedHealthcare available to residents in Alabama. This plan includes extra prescription drug (Part-D) coverage. UnitedHealthcare AARP Medicare Advantage Choice (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $5,900 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $5,900 out-of-pocket. This can be an extremely nice safety net.

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 extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from UnitedHealthcare and not Original Medicare. With 2023 Medicare Advantage Plan 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 if you sign up for Medicare Advantage in Alabama.



2023 UnitedHealthcare Medicare Advantage Plan Overview

Name:AARP Medicare Advantage Choice (PPO)
Plan ID:H6528 033 0
Provider:UnitedHealthcare
Year:2023
Type:Local PPO
Combined Premium (C+D):$0/mo
Part C Premium:$0/mo
MOOP:$5,900/yr
Part D (Drug) Premium:$0/mo
Part D Supplemental Premium$0/mo
Total Part D Premium:$0/mo
Drug Deductible:$0/yr
Tiers with No Deductible:0
Gap Coverage:Yes
Benchmark:Not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: H6528-035




What type of plan is AARP Medicare Advantage Choice (PPO)

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.



How much does AARP Medicare Advantage Choice (PPO) cost?


Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. UnitedHealthcare charges a $0 consolidated premium. The Part C premium is $0 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.


Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. AARP Medicare Advantage Choice (PPO) has a monthly drug premium of $0 and a $0 drug deductible. This UnitedHealthcare plan offers a $0 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. This Premium covers any enhanced plan benefits offered by UnitedHealthcare above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $0. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.


UnitedHealthcare Gap Coverage

In 2023 once you and your plan provider have spent $4660 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 extra coverage. This UnitedHealthcare plan does offer extra coverage through the gap.


MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. AARP Medicare Advantage Choice (PPO) by UnitedHealthcare MOOP is $5,900. Once you spend $5,900 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.



Formulary and 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.

Drug Tier Copay
Preferred
Pharmacy		 Copay
Nonpreferred
Pharmacy
Tier 1 NA $0
Tier 2 NA $12
Tier 3 NA $47
Tier 4 NA $100
Tier 5 NA 33%

The complete AARP Medicare Advantage Choice (PPO) Formulary.
*Initial Coverage Phase and 30 day supply





2023 Summary of Benefits


The benefit information provided is a summary of what AARP Medicare Advantage Choice (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from UnitedHealthcare helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)Covered


Contact lenses


Out-of-Network Vision$0 copay
In-Network Vision$0 copay


Eyeglass frames


VisionNot covered


Eyeglass lenses


VisionNot covered


Eyeglasses (frames and lenses)


In-Network Vision$0 copay
Out-of-Network Vision$0 copay


Other


VisionNot covered


Routine eye exam


In-Network Vision$0 copay
Out-of-Network Vision$45 copay


Upgrades


VisionNot covered



TransportationNot covered
In-Network Skilled Nursing Facility$0 per day for days 1 through 20
$196 per day for days 21 through 51
$0 per day for days 52 through 100
Out-of-Network Skilled Nursing Facility$225 per day for days 1 through 40
$0 per day for days 41 through 100


Occupational therapy visit


In-Network Rehabilitation services$20 copay
Out-of-Network Rehabilitation services$45 copay


Physical therapy and speech and language therapy visit


Out-of-Network Rehabilitation services$45 copay
In-Network Rehabilitation services$20 copay


Cleaning


Out-of-Network Preventive dental$0 copay
In-Network Preventive dental$0 copay


Dental x-ray(s)


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental$0 copay


Fluoride treatment


Out-of-Network Preventive dental$0 copay
In-Network Preventive dental$0 copay


Oral exam


Out-of-Network Preventive dental$0 copay
In-Network Preventive dental$0 copay



In-Network Preventive care$0 copay
Out-of-Network Preventive care0-40% coinsurance
In-Network Outpatient hospital coverage$0-250 copay per visit
Out-of-Network Outpatient hospital coverage$495 copay per visit
In-Network Other health plan deductibles?No
Optional supplemental benefitsNo


Inpatient hospital - psychiatric


In-Network Mental health services$295 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-Network Mental health services$495 per day for days 1 through 10
$0 per day for days 11 through 90


Outpatient group therapy visit


In-Network Mental health services$15 copay
Out-of-Network Mental health services$30-40 copay


Outpatient group therapy visit with a psychiatrist


In-Network Mental health services$15 copay
Out-of-Network Mental health services$30-40 copay


Outpatient individual therapy visit


In-Network Mental health services$25 copay
Out-of-Network Mental health services$30-40 copay


Outpatient individual therapy visit with a psychiatrist


Out-of-Network Mental health services$30-40 copay
In-Network Mental health services$25 copay


Chemotherapy


Out-of-Network Medicare Part B drugs0-40% coinsurance
In-Network Medicare Part B drugs20% coinsurance


Other Part B drugs


Out-of-Network Medicare Part B drugs0-40% coinsurance
In-Network Medicare Part B drugs0-20% coinsurance


Diabetes supplies


In-Network Medical equipment/supplies$0 copay per item
Out-of-Network Medical equipment/supplies20-50% coinsurance per item


Durable medical equipment (e.g., wheelchairs, oxygen)


In-Network Medical equipment/supplies20% coinsurance per item
Out-of-Network Medical equipment/supplies20-50% coinsurance per item


Prosthetics (e.g., braces, artificial limbs)


In-Network Medical equipment/supplies20% coinsurance per item
Out-of-Network Medical equipment/supplies20-50% coinsurance per item



Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$8,950 In and Out-of-network
$5,900 In-network
In-Network Inpatient hospital coverage$295 per day for days 1 through 5
$0 per day for days 6 through 90
$0 per day for days 91 and beyond
Out-of-Network Inpatient hospital coverage$495 per day for days 1 through 10
$0 per day for days 11 and beyond


Fitting/evaluation


HearingNot covered


Hearing aids


In-Network Hearing$175-1,225 copay
Out-of-Network Hearing$175-1,225 copay


Hearing exam


Out-of-Network Hearing$45 copay
In-Network Hearing$0 copay



Health plan deductible$0
Out-of-Network Ground ambulance$185 copay
In-Network Ground ambulance$185 copay


Foot exams and treatment


Out-of-Network Foot care (podiatry services)$45 copay
In-Network Foot care (podiatry services)$25 copay


Routine foot care


In-Network Foot care (podiatry services)$25 copay
Out-of-Network Foot care (podiatry services)$45 copay


Emergency


Emergency care/Urgent care$90 copay per visit (always covered)


Urgent care


Emergency care/Urgent care$40 copay per visit (always covered)


Primary


In-Network Doctor visits$0 copay
Out-of-Network Doctor visits$20-45 copay per visit


Specialist


In-Network Doctor visits$25 copay per visit
Out-of-Network Doctor visits$45 copay per visit


Diagnostic radiology services (e.g., MRI)


Out-of-Network Diagnostic procedures/lab services/imaging$150-200 copay
In-Network Diagnostic procedures/lab services/imaging$0-110 copay


Diagnostic tests and procedures


Out-of-Network Diagnostic procedures/lab services/imaging$40 copay
In-Network Diagnostic procedures/lab services/imaging$20 copay


Lab services


In-Network Diagnostic procedures/lab services/imaging$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging$0 copay


Outpatient x-rays


In-Network Diagnostic procedures/lab services/imaging$15 copay
Out-of-Network Diagnostic procedures/lab services/imaging$20 copay


Diagnostic services


Out-of-Network Comprehensive dental$0 copay
In-Network Comprehensive dental$0 copay


Endodontics


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay


Extractions


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay


Non-routine services


Out-of-Network Comprehensive dental$0 copay
In-Network Comprehensive dental$0 copay


Periodontics


Out-of-Network Comprehensive dental$0 copay
In-Network Comprehensive dental$0 copay


Prosthodontics, other oral/maxillofacial surgery, other services


Out-of-Network Comprehensive dental$0 copay
In-Network Comprehensive dental$0 copay


Restorative services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental$0 copay



In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?No




AARP Medicare Advantage Choice (PPO) Reviews


Is AARP Medicare Advantage Choice (PPO) a good plan? AARP Medicare Advantage Choice (PPO) received a 3.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare AARP Medicare Advantage Choice Reviews among several different plans.

2022 Overall Rating
Part C Summary Rating
Part-D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing


Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer Screening
Annual Flu Vaccine
Monitoring Physical Activity


Managing Chronic And Long Term Care for Older Adults

Total Rating
SNP Care Management
Medication Review
Pain Assessment
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Controlling Blood Pressure
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy


Member Experience with H6528-033 Health Plan

Total Experience Rating
Getting Needed Care
Getting Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination


Member Complaints and Changes in Plans Performance

Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement


Health Plan Customer Service Rating for UnitedHealthcare

Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language


Drug Plan Customer Service Ratings

Total Rating
Call Center, TTY, Foreign Language


Ratings For Member Complaints and Changes in the Drug Plans Performance

Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Drug Plan Quality Improvement


Member Experience with the Drug Plan

Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs


Drug Safety and Accuracy of Drug Pricing

Total Rating
MPF Price Accuracy
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes


Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for AARP Medicare Advantage Choice (PPO) requires you to live in that plan’s service area. The service area is listed below:

State: Alabama Medicare


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How much does AARP Medicare Advantage Choice (PPO) cost?

UnitedHealthcare charges a $0 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is AARP Medicare Advantage Choice (PPO) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. AARP Medicare Advantage Choice (PPO) by UnitedHealthcare MOOP is $5,900. Once you spend $5,900 you will pay nothing for Part A or Part B covered services.

What type of plan is AARP Medicare Advantage Choice (PPO)?

AARP Medicare Advantage Choice (PPO) is a Local PPO. A (PPO) is a Medicare plan that has contracts with a network of preferred providers. You do not need to select a primary care physician and you do not need referrals to see other providers in the network.

Is AARP Medicare Advantage Choice (PPO) a good plan?

AARP Medicare Advantage Choice (PPO) received a 3.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.



Source:CMS. Data as of Oct 1, 2022.

Last updated on

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

      Site Search:

MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.