AARP Medicare Advantage Choice Rebate (PPO) H2577-003 is a 2023 Medicare Advantage Plan or Part-C by UnitedHealthcare available to residents in Colorado. This plan includes extra prescription drug (Part-D) coverage. UnitedHealthcare AARP Medicare Advantage Choice Rebate (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 Rebate (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 Colorado.

2023 UnitedHealthcare Medicare Advantage Plan Overview

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

AARP Medicare Advantage Choice Rebate (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 Rebate (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 Rebate (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 Rebate (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 Rebate (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	$8
Tier 3	NA	$47
Tier 4	NA	$95
Tier 5	NA	33%

The complete AARP Medicare Advantage Choice Rebate (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 Rebate (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

Vision	Not covered

---

Eyeglass frames

Vision	Not covered

---

Eyeglass lenses

Vision	Not covered

---

Eyeglasses (frames and lenses)

Vision	Not covered

---

Other

Vision	Not covered

---

Routine eye exam

Out-of-Network Vision	$70 copay
In-Network Vision	$0 copay

---

Upgrades

Vision	Not covered

---

Transportation	Not covered
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 55 $0 per day for days 56 through 100
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
Out-of-Network Skilled Nursing Facility	$225 per day for days 1 through 45 $0 per day for days 46 through 100

---

Occupational therapy visit

Out-of-Network Rehabilitation services	$70 copay
In-Network Rehabilitation services	$25 copay

---

Physical therapy and speech and language therapy visit

In-Network Rehabilitation services	$25 copay
Out-of-Network Rehabilitation services	$70 copay

---

Cleaning

Preventive dental	Not covered

---

Dental x-ray(s)

Preventive dental	Not covered

---

Fluoride treatment

Preventive dental	Not covered

---

Oral exam

Preventive dental	Not covered

---

Out-of-Network Preventive care	0-40% coinsurance
In-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	$0-445 copay per visit
Out-of-Network Outpatient hospital coverage	40% coinsurance per visit
In-Network Outpatient hospital coverage	$0-470 copay per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	Yes

---

Inpatient hospital - psychiatric

In-Network Mental health services	$445 per day for days 1 through 4 $0 per day for days 5 through 90
Out-of-Network Mental health services	$500 per day for days 1 through 18 $0 per day for days 19 through 90
In-Network Mental health services	$490 per day for days 1 through 3 $0 per day for days 4 through 90
Out-of-Network Mental health services	$500 per day for days 1 through 20 $0 per day for days 21 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

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

---

Chemotherapy

In-Network Medicare Part B drugs	20% coinsurance
Out-of-Network Medicare Part B drugs	0-40% coinsurance

---

Other Part B drugs

In-Network Medicare Part B drugs	0-20% coinsurance
Out-of-Network Medicare Part B drugs	0-40% coinsurance

---

Diabetes supplies

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

---

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

Out-of-Network Medical equipment/supplies	50% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

---

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

Out-of-Network Medical equipment/supplies	50% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

---

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$8,900 In and Out-of-network $5,900 In-network
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$10,000 In and Out-of-network $6,700 In-network
In-Network Inpatient hospital coverage	$445 per day for days 1 through 4 $0 per day for days 5 through 90 $0 per day for days 91 and beyond
Out-of-Network Inpatient hospital coverage	$500 per day for days 1 through 18 $0 per day for days 19 and beyond
In-Network Inpatient hospital coverage	$490 per day for days 1 through 4 $0 per day for days 5 through 90 $0 per day for days 91 and beyond
Out-of-Network Inpatient hospital coverage	$500 per day for days 1 through 20 $0 per day for days 21 and beyond

---

Fitting/evaluation

Hearing	Not covered

---

Hearing aids

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

---

Hearing exam

Out-of-Network Hearing	$70 copay
In-Network Hearing	$0 copay

---

Health plan deductible	$0
In-Network Ground ambulance	$250 copay
Out-of-Network Ground ambulance	$245 copay
Out-of-Network Ground ambulance	$250 copay
In-Network Ground ambulance	$245 copay

---

Foot exams and treatment

In-Network Foot care (podiatry services)	$40 copay
In-Network Foot care (podiatry services)	$50 copay
Out-of-Network Foot care (podiatry services)	$70 copay

---

Routine foot care

Out-of-Network Foot care (podiatry services)	$70 copay
In-Network Foot care (podiatry services)	$40 copay
In-Network Foot care (podiatry services)	$50 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	$25 copay per visit
Out-of-Network Doctor visits	$50 copay per visit

---

Specialist

In-Network Doctor visits	$50 copay per visit
Out-of-Network Doctor visits	$70 copay per visit
In-Network Doctor visits	$40 copay per visit

---

Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$0-150 copay
Out-of-Network Diagnostic procedures/lab services/imaging	40% coinsurance

---

Diagnostic tests and procedures

Out-of-Network Diagnostic procedures/lab services/imaging	40% coinsurance
In-Network Diagnostic procedures/lab services/imaging	$30 copay

---

Lab services

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

---

Outpatient x-rays

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

---

Diagnostic services

Comprehensive dental	Not covered

---

Endodontics

Comprehensive dental	Not covered

---

Extractions

Comprehensive dental	Not covered

---

Non-routine services

Comprehensive dental	Not covered

---

Periodontics

Comprehensive dental	Not covered

---

Prosthodontics, other oral/maxillofacial surgery, other services

Comprehensive dental	Not covered

---

Restorative services

Comprehensive dental	Not covered

---

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

AARP Medicare Advantage Choice Rebate (PPO) Reviews

Is AARP Medicare Advantage Choice Rebate (PPO) a good plan? AARP Medicare Advantage Choice Rebate (PPO) received a 3 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 Rebate Reviews among several different plans.

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with H2577-003 Health Plan

Member Complaints and Changes in Plans Performance

Health Plan Customer Service Rating for UnitedHealthcare

Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

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 Rebate (PPO) requires you to live in that plan’s service area. The service area is listed below:

Go to top

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

Last updated on December 03, 2022

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.