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2022 AARP Medicare Advantage Choice (PPO) in Craig, Oklahoma

Medicare Advantage Plan Benefit Details in Plain Text
The following Medicare Advantage plan benefits apply to the AARP Medicare Advantage Choice (PPO) (H8768 - 009) in Craig, Oklahoma .

This plan is administered by UNITEDHEALTHCARE INSURANCE CO. OF THE RIVER VALLEY.  To switch to a different Medicare Advantage plan or to change your location, click here.
Click here to see the AARP Medicare Advantage Choice (PPO) health and prescription benefit details in chart format or email and view benefits chart

Plan Premium
This plan has a $0.00 monthly premium. Although you pay no additional monthly premium, you must continue to pay your Medicare Part B premium. If you have a premium penalty, your premium will be higher. Or if you have a higher income you would be subject to the Income Related Adjustment Amount (IRMAA).

This Medicare Advantage Plan with Prescription Drug Coverage is a Local PPO plan.

Plan Membership and Plan Ratings
The AARP Medicare Advantage Choice (PPO) (H8768 - 009) currently has 31,619 members. There are 329 members enrolled in this plan in Craig, Oklahoma, and 31,502 members in Oklahoma.

The Centers for Medicare and Medicaid Services (CMS) has given this plan carrier a summary rating of 4 stars. The detail CMS plan carrier ratings are as follows:
Prescription Drug Coverage: Deductible, Cost-sharing, Formulary
This plan does NOT have a deductible for the prescription drug coverage. That means that you have first dollar coverage. Some plans have a deductible that must be paid (in full) prior to the prescription coverage assisting in your prescription costs (see cost-sharing below). The maximum deductible for 2022 is $480. This plan (AARP Medicare Advantage Choice (PPO)) has no deductible.

The following information is about the AARP Medicare Advantage Choice (PPO) formulary (or drug list). There are 3654 drugs on the AARP Medicare Advantage Choice (PPO) formulary. Click here to browse the AARP Medicare Advantage Choice (PPO) Formulary.
 
The Initial Coverage Phase (ICP) can be thought of as the cost-sharing phase of the plan. During this phase, you and the insurance company share your prescription costs. Since this plan has no deductible, your coverage (initial coverage phase) will start right away. All medication are divided into tiers within the plans formulary. This helps the plan to organize and manage the prescription cost-sharing. The AARP Medicare Advantage Choice (PPO)’s formulary is divided into 5 tiers. Every plan can name their tiers differently, and can place medications on any tier. The cost-sharing for this plan is divided as follows:
  • Tier 1 (Preferred Generic) contains 357 drugs and has a co-payment of $0.00.
  • Tier 2 (Generic) contains 627 drugs and has a co-payment of $12.00.
  • Tier 3 (Preferred Brand) contains 876 drugs and has a co-payment of $47.00.
  • Tier 4 (Non-Preferred Drug) contains 1,017 drugs and has a co-payment of $95.00.
  • Tier 5 (Specialty Tier) contains 821 drugs and has a co-insurance of 33% of the drug cost.
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This plan offers some forms of insulin as part of the Senior Savings Model.  The Senior Savings Model a copay of $35 in the deductible, initial coverage, and coverage gap phases of your Part D plan. Please see the plan formulary (drug list) for more details.

Click here to browse the AARP Medicare Advantage Choice (PPO) Formulary.

The Coverage Gap, which is also known as the Donut (Doughnut) Hole is the phase of your Medicare Part D plan where you are responsible for 100% of your medication costs. Healthcare Reform mandates that the insurance carrier pay 75% of your generic drug prescription costs in the donut hole on your behalf.

The brand-name drug manufacturer will pay 70% and your plan will pay an additional 5% of the cost of your brand-name drugs purchased in the Donut Hole, for a total of 75% discount. The 70% paid by the brand-name drug manufacturer is paid on your behalf and therefore counts toward your TrOOP (or True Out-of-Pocket) costs. The portion paid by your plan, does not count toward TrOOP. Some Medicare Part D plans offer coverage during the Coverage Gap that is beyond the mandated discounts. Any drug not covered by the plan’s Gap Coverage will still receive the discounts noted above -- even if the plan has "No Gap Coverage". This plan (AARP Medicare Advantage Choice (PPO)) offers Coverage in the gap, however Medicare has not specified the details of the gap coverage.

The AARP Medicare Advantage Choice (PPO) offers many Health and Prescription Drug Coverage Benefits. The following section will describe these benefits in detail.

** Base Plan **
Premium
• Health plan premium: $0
• Drug plan premium: $0
• You must continue to pay your Part B premium.
• Part B premium reduction: No
Deductible
• Health plan deductible: $0
• Other health plan deductibles: In-network: No
• Drug plan deductible: No annual deductible
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
• $5
Optional supplemental benefits
• No
Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?
• In-network: No
Doctor visits
• Primary In-network: $0 copay
• Primary Out-of-network: $5-45 copay per visit
• Specialist In-network: $40 copay per visit (authorization required)
• Specialist Out-of-network: $45 copay per visit (authorization required)
Diagnostic procedures/lab services/imaging
• Diagnostic tests and procedures In-network: $15 copay (authorization required)
• Diagnostic tests and procedures Out-of-network: $75 copay (authorization required)
• Lab services In-network: $0 copay (authorization required)
• Lab services Out-of-network: $0 copay (authorization required)
• Diagnostic radiology services (e.g., MRI) In-network: $0-125 copay (authorization required)
• Diagnostic radiology services (e.g., MRI) Out-of-network: $135-200 copay (authorization required)
• Outpatient x-rays In-network: $15 copay (authorization required)
• Outpatient x-rays Out-of-network: $20 copay (authorization required)
Emergency care/Urgent care
• Emergency: $90 copay per visit (always covered)
• Urgent care: $40 copay per visit (always covered)
Inpatient hospital coverage
• In-network: $295 per day for days 1 through 6
$0 per day for days 7 through 90
$0 per day for days 91 and beyond (authorization required)
• Out-of-network: $325 per day for days 1 through 6
$0 per day for days 7 through 90 (authorization required)
Outpatient hospital coverage
• In-network: $0-295 copay per visit (authorization required)
• Out-of-network: $325 copay per visit (authorization required)
Skilled Nursing Facility
• In-network: $0 per day for days 1 through 20
$188 per day for days 21 through 47
$0 per day for days 48 through 100 (authorization required)
• Out-of-network: $225 per day for days 1 through 27
$0 per day for days 28 through 100 (authorization required)
Preventive care
• In-network: $0 copay
• Out-of-network: $0 copay
Ground ambulance
• In-network: $270 copay
• Out-of-network: $270 copay
Rehabilitation services
• Occupational therapy visit In-network: $40 copay (authorization required)
• Occupational therapy visit Out-of-network: $45 copay (authorization required)
• Physical therapy and speech and language therapy visit In-network: $40 copay (authorization required)
• Physical therapy and speech and language therapy visit Out-of-network: $45 copay (authorization required)
Mental health services
• Inpatient hospital - psychiatric In-network: $295 per day for days 1 through 6
$0 per day for days 7 through 90 (authorization required)
• Inpatient hospital - psychiatric Out-of-network: $325 per day for days 1 through 6
$0 per day for days 7 through 90 (authorization required)
• Outpatient group therapy visit with a psychiatrist In-network: $15 copay (authorization required)
• Outpatient group therapy visit with a psychiatrist Out-of-network: $30-40 copay (authorization required)
• Outpatient individual therapy visit with a psychiatrist In-network: $25 copay (authorization required)
• Outpatient individual therapy visit with a psychiatrist Out-of-network: $30-40 copay (authorization required)
• Outpatient group therapy visit In-network: $15 copay (authorization required)
• Outpatient group therapy visit Out-of-network: $30-40 copay (authorization required)
• Outpatient individual therapy visit In-network: $25 copay (authorization required)
• Outpatient individual therapy visit Out-of-network: $30-40 copay (authorization required)
Opioid treatment program services
• In-network: $0.00 copay (authorization required)
Medical equipment/supplies
• Durable medical equipment (e.g., wheelchairs, oxygen) In-network: 20% coinsurance per item (authorization required)
• Durable medical equipment (e.g., wheelchairs, oxygen) Out-of-network: 50% coinsurance per item (authorization required)
• Prosthetics (e.g., braces, artificial limbs) In-network: 20% coinsurance per item (authorization required)
• Prosthetics (e.g., braces, artificial limbs) Out-of-network: 50% coinsurance per item (authorization required)
• Diabetes supplies In-network: $0 copay per item (authorization required)
• Diabetes supplies Out-of-network: 50% coinsurance per item (authorization required)
Dialysis
• 20% coinsurance (authorization required)
Hearing
• Hearing exam In-network: $0 copay (authorization required)
• Hearing exam Out-of-network: $45 copay (authorization required)
• Fitting/evaluation: Not covered
• Hearing aids In-network: $375-1 (limits apply, authorization required)
• Hearing aids Out-of-network: $375 copay (limits apply, authorization required)
Preventive dental
• Oral exam In-network: $0 copay (limits apply)
• Oral exam Out-of-network: $0 copay (limits apply)
• Cleaning In-network: $0 copay (limits apply)
• Cleaning Out-of-network: $0 copay (limits apply)
• Fluoride treatment In-network: $0 copay (limits apply)
• Fluoride treatment Out-of-network: $0 copay (limits apply)
• Dental x-ray(s) In-network: $0 copay (limits apply)
• Dental x-ray(s) Out-of-network: $0 copay (limits apply)
Comprehensive dental
• Non-routine services In-network: $0 copay (limits apply, authorization required)
• Non-routine services Out-of-network: $0 copay (limits apply, authorization required)
• Diagnostic services In-network: $0 copay (limits apply, authorization required)
• Diagnostic services Out-of-network: $0 copay (limits apply, authorization required)
• Restorative services In-network: $0 copay (limits apply, authorization required)
• Restorative services Out-of-network: $0 copay (limits apply, authorization required)
• Endodontics In-network: $0 copay (limits apply, authorization required)
• Endodontics Out-of-network: $0 copay (limits apply, authorization required)
• Periodontics In-network: $0 copay (limits apply, authorization required)
• Periodontics Out-of-network: $0 copay (limits apply, authorization required)
• Extractions In-network: $0 copay (limits apply, authorization required)
• Extractions Out-of-network: $0 copay (limits apply, authorization required)
• Prosthodontics, other oral/maxillofacial surgery, other services In-network: $0 copay (limits apply, authorization required)
• Prosthodontics, other oral/maxillofacial surgery, other services Out-of-network: $0 copay (limits apply, authorization required)
Vision
• Routine eye exam In-network: $0 copay (limits apply, authorization required)
• Routine eye exam Out-of-network: $45 copay (limits apply, authorization required)
• Other: Not covered
• Contact lenses In-network: $0 copay (limits apply)
• Contact lenses Out-of-network: $0 copay (limits apply)
• Eyeglasses (frames and lenses) In-network: $0 copay (limits apply)
• Eyeglasses (frames and lenses) Out-of-network: $0 copay (limits apply)
• Eyeglass frames: Not covered
• Eyeglass lenses: Not covered
• Upgrades: Not covered
Medically-approved non-opioid pain management services
• Chiropractic services: Not covered
• Acupuncture: Not covered
• Therapeutic Massage: Not covered
• Alternative Therapies: Not covered
More benefits
• Over-the-counter drug benefits: Some coverage
• Meals for short duration: Some coverage
• Annual physical exams: Some coverage
• Telehealth: Some coverage
• WorldWide emergency transportation: Some coverage
• WorldWide emergency coverage: Some coverage
• WorldWide emergency urgent care: Some coverage
• Fitness Benefit: Some coverage
• In-Home Support Services: Not covered
• Bathroom Safety Devices: Not covered
• Health Education: Not covered
• In-Home Safety Assessment: Not covered
• Personal Emergency Response System (PERS): Some coverage
• Medical Nutrition Therapy (MNT): Not covered
• Post discharge In-Home Medication Reconciliation: Not covered
• Re-admission Prevention: Not covered
• Wigs for Hair Loss Related to Chemotherapy: Not covered
• Weight Management Programs: Not covered
• Adult Day Health Services: Not covered
• Nutritional/Dietary Benefit: Not covered
• Home-Based Palliative Care: Not covered
• Support for Caregivers of Enrollees: Not covered
• Additional Sessions of Smoking and Tobacco Cessation Counseling: Not covered
• Enhanced Disease Management: Not covered
• Telemonitoring Services: Not covered
• Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline): Some coverage
• Counseling Services: Not covered
Wellness programs (e.g., fitness, nursing hotline)
• Covered
Transportation
Not covered
Foot care (podiatry services)
• Foot exams and treatment In-network: $40 copay (authorization required)
• Foot exams and treatment Out-of-network: $45 copay (authorization required)
• Routine foot care In-network: $40 copay (limits apply, authorization required)
• Routine foot care Out-of-network: $45 copay (limits apply, authorization required)
Medicare Part B drugs
• Chemotherapy In-network: 20% coinsurance (authorization required)
• Chemotherapy Out-of-network: 0-40% coinsurance (authorization required)
• Other Part B drugs In-network: 0-20% coinsurance (authorization required)
• Other Part B drugs Out-of-network: 0-40% coinsurance (authorization required)


Tips & Disclaimers
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  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.