12 Best UnitedHealthcare AARP Medicare Advantage Plans: We Can Compare Costs & Benefits For You. Our Service is 100% Free.
Looking for the right AARP Medicare Advantage plans that fit your healthcare needs? Many people share your concern. These plans deserve a close look since about two-thirds come with $0 premiums.
UnitedHealthcare’s AARP Medicare Advantage plans give you the same simple services as Original Medicare (Parts A and B). The plans include extra perks like a $725 annual Flex card you can use for dental, vision, and hearing expenses. You’ll also get exercise equipment, activity trackers, and Personal Emergency Response Systems. UnitedHealthcare leads the pack as the largest for-profit Medicare Advantage provider with more than 9.8 million beneficiaries.
The process of comparing different options might seem daunting. This piece breaks down the 12 best AARP Medicare Advantage plans for 2025. AARP’s lineup includes several plan types – HMO, PPO, PFFS, and Special Needs Plans. The Centers for Medicare & Medicaid Services (CMS) gave these plans an impressive average rating of 3.95 stars out of 5 for 2025. Many seniors find them a reliable option for quality coverage.
Free online and Zoom meeting agent enrollment help for residents in over 30 states like Alabama, Arizona, California, Florida, Atlanta, Georgia, Chicago, Illinois, Indiana, New Orleans, Louisiana, Hattiesburg, Jackson, Gulfport, Biloxi, Ocean Springs, Pascagoula, Moss Point, Mississippi, North Las Vegas, Summerlin, and Henderson, Nevada, Houston, San Antonio, Dallas, Austin, Fort Worth, Texas.
AARP Medicare Advantage HMO-POS Plan
Image Source: AARP
Need more flexibility with your Medicare coverage? The AARP Medicare Advantage HMO-POS Plan could be just what you’re looking for. This hybrid plan blends Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) features to give you versatile healthcare options.
HMO-POS Plan Key Features
The HMO-POS (Point of Service) plan strikes a balance between standard HMOs and PPOs. These plans let you get some covered services outside your network, though you’ll pay more [1][1]. Most AARP Medicare Advantage HMO-POS plans include prescription drug coverage and extra benefits like dental, vision, and hearing coverage [1][2].
The plans give you access to UnitedHealthcare Medicare National Network—the country’s largest network of top doctors and specialists [3]. Some plans also come with UnitedHealthcare Passport, which keeps your network costs and benefits steady while you travel [3].
HMO-POS Plan Pros and Cons
Pros:
- More flexibility than standard HMO plans
- You can see out-of-network providers as needed
- Many plans have $0 or low monthly premiums [3]
- Most plans have $0 deductibles for in-network services [2]
- Low copays between $10-$20 for regular office visits with network providers [1]
- Coverage across the nation through UnitedHealthcare’s broad network
Cons:
- Higher costs for out-of-network services [1]
- You must choose a primary care physician [1]
- You need referrals to see specialists [1]
- Some procedures require prior authorization [1]
- Extra paperwork comes with out-of-network claims [1]
HMO-POS Plan Pricing
AARP Medicare Advantage HMO-POS plans deliver great value. Many come with $0 monthly premiums [3][2], but costs can vary based on where you live. UnitedHealthcare HMO-POS plans cost about $15 monthly on average, which beats the national average of $20 [1].
Your out-of-pocket maximums usually range from $2,800 [2] to $3,800 [3], so you’ll know the most you might spend each year. Most plans have $0 medical deductibles [2], though prescription coverage might have separate deductibles (usually around $340 for higher-tier medications) [3].
HMO-POS Plan Best For
This plan works great if you want flexibility without high premiums. The hybrid nature makes it perfect if you:
- Travel often but want steady coverage
- Sometimes need specialists outside your network
- Like having a primary doctor manage your care
- Want complete coverage with predictable costs
- Need extra benefits beyond Original Medicare
These plans work exceptionally well if you’re switching from Original Medicare and want coordinated care with the freedom to step outside network boundaries occasionally.
AARP Medicare Advantage PPO Plan
Image Source: Medicare Supplement
AARP Medicare Advantage PPO plans through UnitedHealthcare give you complete freedom in healthcare choices. These Preferred Provider Organization plans help you save money with in-network providers while keeping out-of-network options open.
PPO Plan Key Features
AARP Medicare Advantage PPO plans stand out because of their flexibility. You can visit any provider who accepts Medicare, regardless of their network status [3]. These plans let you schedule appointments with specialists without needing referrals [3].
Most PPO plans include:
- Complete coverage for all Original Medicare services (Parts A and B) [3]
- Prescription drug coverage in most plans [3]
- Extra benefits like dental, vision, and hearing coverage [3]
- Fitness memberships and transportation to medical appointments [3]
- Virtual medical and mental health visits with $0 copays [4]
PPOs work within UnitedHealthcare’s Medicare National Network, giving you access to one of the country’s largest provider networks [1].
PPO Plan Pros and Cons
Pros:
- Better provider flexibility than HMO plans [1]
- No referrals needed for specialist visits [3]
- Freedom to choose any primary care physician [3]
- Lower costs with in-network providers [3]
- Many plans with $0 or low monthly premiums [1]
Cons:
- Out-of-network services cost more [3]
- Prices run higher than HMO options [1]
- Several out-of-pocket maximum amounts [3]
- Fewer new benefits over time compared to HMO plans [3]
- Coverage limits during travel [1]
PPO Plan Pricing
AARP’s PPO options are surprisingly affordable. Many plans come with low or $0 monthly premiums based on your location [1]. Premium costs can range from $0 to $247, depending on where you live and what benefits you choose [5].
Out-of-pocket maximums range from $3,000 to $8,900 [5]. Medical deductibles typically fall between $0 and $270 [5].
Recent market research shows AARP Access VA-20 (PPO) costs $247 monthly with a $3,000 out-of-pocket maximum and $270 medical deductible. The AARP Patriot No Rx (PPO) offers a $0 premium but has an $8,900 out-of-pocket maximum [5].
PPO Plan Best For
AARP Medicare Advantage PPO plans work best if you:
- Want to choose your healthcare providers
- Need specialist care without referral hassles
- Don’t mind paying extra for more freedom
- Sometimes, we need out-of-network services
- Want extra benefits beyond Original Medicare
These PPO plans strike a balance between cost and flexibility. They work great if you want predictable costs while keeping the freedom to pick your healthcare providers [1].
AARP Medicare Advantage D-SNP Plan
Image Source: MedicareFAQ
AARP Medicare Advantage D-SNP plans provide specialized coverage to people who qualify for both Medicare and Medicaid. These plans saw 5.2 million dual-eligible members sign up in 2023 [2]. They serve as a crucial healthcare option for many vulnerable Americans.
D-SNP Plan Key Features
AARP’s Dual Eligible Special Needs Plans (D-SNPs) excel at coordinating Medicare and Medicaid benefits [2]. Members receive assistance navigating both programs simultaneously. Care coordinators step in to guide patients through available services [2].
Key features include:
- Detailed coordination between Medicare and Medicaid benefits [2]
- Care coordinators who know both programs well [2]
- $0 cost prescription drug coverage in most cases [4]
- A flexible OTC Plus card you can use for health items, healthy foods, fitness gear, and utility bills [4]
- Transportation services (88% of D-SNPs offer this vs 36% of other Medicare Advantage plans) [2]
- Meal benefits (86% of D-SNPs provide these) [2]
- Virtual visits when you need non-emergency healthcare [4]
D-SNP Plan Pros and Cons
Pros:
- $0 premium with Extra Help (Low Income Subsidy) [4]
- Better benefit coordination than standard Medicare Advantage plans [2]
- Almost all plans cover dental (95%), vision (96%), and hearing services (92%) [2]
- More bathroom safety devices (32%) and in-home support services (23%) than standard plans [2]
- UnitedHealthcare’s large provider network at your service [4]
Cons:
- You must qualify for both Medicare and Medicaid [4]
- Higher denial rates for prior authorization (12% for D-SNPs vs. 6% for all Medicare Advantage plans) [2]
- Benefits change based on your state and location [4]
- Some D-SNPs only take Full Dual Eligible members [4]
- Provider networks differ by local market [4]
D-SNP Plan Pricing
These plans stand out with their budget-friendly structure. D-SNPs give you:
- $0 monthly premiums with Extra Help [4]
- No deductibles or copays for in-network services usually [4]
- OTC and healthy food benefits (with expiration dates) [4]
- Value-Based Insurance Design model perks for qualified members [4]
D-SNP Plan Best For
D-SNP plans suit you best if:
- You qualify for both Medicare and Medicaid [6]
- You need extra help due to disabilities, age, or ongoing health issues [6]
- You want more benefits than Original Medicare offers [6]
- You need help managing Medicare and Medicaid services [2]
- You qualify for Extra Help subsidies [4]
UnitedHealthcare leads the market with 37% of total D-SNP enrollment [2]. AARP Medicare Advantage D-SNP plans give dual-eligible members stable and expandable coverage options.
AARP Medicare Advantage Rx Saver Plan
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The AARP Medicare Advantage Rx Saver Plan is a specialized prescription drug coverage option that helps Medicare beneficiaries manage their medication costs. UnitedHealthcare offers this plan to give members predictable drug expenses through structured coverage.
Rx Saver Plan Key Features
The plan’s tiered medication structure determines what you pay out-of-pocket. The plan has:
- A resilient pharmacy network nationwide [3]
- Copays for Tiers 1-2 and coinsurance for Tiers 3-5 [1]
- Coverage for many prescription medications
- Medicare’s standard level of prescription drug coverage [7]
The plan follows Medicare’s standard coverage model with specific cost structures. The 2025 version has very few $0.00-copay options, and no tiers offer $0.00 copays [1].
Rx Saver Plan Pros and Cons
Pros:
- Perfect match for Medicare Extra Help subsidy recipients [1]
- Ample pharmacy network coverage [1]
- Easy-to-understand cost structure
- More affordable than premium plans
Cons:
- Premium costs more than competitor plans [1]
- All covered drugs have a $590.00 deductible [1]
- No options for $0.00 copays [1]
- Rural areas may have fewer low-cost pharmacies [3]
Rx Saver Plan Pricing
The plan’s cost structure is straightforward:
- Monthly premium: $124.80 [3]
- Annual prescription drug deductible: $590.00 [3]
- Copays apply to Tiers 1-2, coinsurance to Tiers 3-5 [1]
- You reach catastrophic coverage after paying $2,000.00 out-of-pocket [3]
Your insulin costs max out at $35.00 per month-long supply during all drug payment stages. The cost drops to $0.00 in the Catastrophic stage [3].
Rx Saver Plan Best For
This plan suits you best if:
- You receive Medicare Extra Help subsidies [1]
- You need access to many pharmacies
- You know your medication needs and can plan ahead
- You want predictable drug costs
- You don’t mind paying extra for structured coverage
As of March 2025, 3.6 million Medicare beneficiaries chose AARP Medicare Rx Part D plans from UnitedHealthcare [1]. These numbers show strong trust in their prescription coverage options.
AARP Medicare Advantage Rx Preferred Plan
Image Source: KFF
AARP’s Medicare Advantage Rx Preferred Plan sits at the top of their prescription drug coverage options. This plan gives you complete medication benefits with extensive coverage. The plan’s standout features include better coverage and a $0 deductible structure.
Rx Preferred Plan Key Features
The Rx Preferred Plan brings several advantages over the standard Rx Saver option:
- $0 deductible for all covered drugs in U.S. states and Washington, D.C. [5]
- Wide drug coverage with a broad pharmacy network [5]
- Tiered medication structure with copays for Tiers 1-3 and coinsurance for Tiers 4-5 [5]
- $0 copays for 90-day supplies of Tier 1-2 drugs from preferred mail-order pharmacies [5]
- Maximum of $35 for each 1-month supply of insulin through most drug payment stages [6]
The plan makes prescription drug coverage easier to understand with clear options in 2025, despite its premium status [5].
Rx Preferred Plan Pros and Cons
Pros:
- No deductible in U.S. states (compared to $590 deductible in Rx Saver plan) [5]
- Lower premium than major competitors’ high-end plans [5]
- $0 copays for mail-order generic medications [5]
- Clear plan choices make decisions easier [5]
Cons:
- Higher monthly premium than the Rx Saver option
- Limited $0-copay options (only for mail-order Tiers 1-2) [5]
- Rural areas have fewer low-cost pharmacies [8]
- Higher costs at non-preferred pharmacies [8]
Rx Preferred Plan Pricing
Location determines monthly premiums, which range from $83.80 to $113.70 [8]. Here are some examples:
- New York: $113.70 monthly [8]
- Atlanta: $100.00 monthly [8]
- Denver: $104.70 monthly [8]
- Seattle: $83.80 monthly [8]
The plan uses a tiered copay structure. Preferred retail pharmacies charge $5 for Tier 1 drugs and $10 for Tier 2 drugs. Tier 3 drugs cost $47, while Tiers 4-5 need coinsurance of 40% and 33% respectively [6].
Rx Preferred Plan Best For
This plan suits you best if you:
- Want extensive drug coverage without deductibles [5]
- Use mail-order pharmacy services often
- Need easy-to-understand Medicare drug coverage options [5]
- Prefer predictable copays for common medications
- Value-efficient benefits and member satisfaction [5]
New Medicare enrollees will appreciate this plan’s clear structure and extensive coverage options.
AARP Medicare Advantage Secure Plan
Image Source: AARP
The AARP Medicare Advantage Secure Plan, also known as SecureHorizons, gives you security and peace of mind with stable coverage and predictable costs.
Secure Plan Key Features
SecureHorizons Plan is an HMO-POS (Health Maintenance Organization with Point-of-Service option). You’ll need to pick a primary care provider to coordinate your care [4]. The plan has:
- $0 monthly premium with no annual medical deductible [4]
- Low $3,500 out-of-pocket maximum for in-network services [4]
- Complete prescription drug coverage
- $0 copays for preventive dental care, including exams, cleanings, X-rays, and fluoride [4]
- $0 copay for routine eye and hearing exams [4]
- Virtual medical and mental health visits with $0 copays [4]
The plan lets you stay in the hospital as long as needed, but copays apply for the first five days [4].
Secure Plan Pros and Cons
Pros:
- The $0 premium makes this plan available to more people [4]
- A generous $750 combined limit on dental services [4]
- $200 yearly allowance for frames or contact lenses [4]
- UnitedHealthcare’s dental network is the largest [2]
- You get acupuncture and chiropractic benefits [4]
Cons:
- You can only get it in certain countries [4]
- You need referrals to see specialists [4]
- Out-of-network services cost more [4]
- Hospital stays cost $225 per day for days 1-5 [4]
Secure Plan Pricing
The plan comes with a $0 monthly premium and these costs:
- $0 annual medical deductible [4]
- $3,500 annual out-of-pocket maximum [4]
- $0 copay for primary care visits [4]
- $10 copay for specialist visits [4]
- $90 copay for emergency care ($0 outside US) [4]
- $40 copay for urgent care services ($0 outside US) [4]
- $225 copay per day for inpatient hospital care (days 1-5 only) [4]
Secure Plan Best For
This plan fits perfectly if you:
- Want predictable healthcare costs with no monthly premium
- Need dental, vision, and hearing benefits
- Are you comfortable with a primary care doctor coordinating your care
- Want to try alternative treatments like acupuncture
- Like the convenience of $0 copay virtual visits
UnitedHealthcare serves 4.4 million Medicare Advantage members [2], and 4 out of 5 members recommend these plans [9]. SecureHorizons remains a solid choice that balances security with quality care.
AARP Medicare Advantage Value Plan
Image Source: KFF
Looking for budget-friendly health coverage that doesn’t skimp on benefits? The AARP Medicare Advantage Value Plan could be your answer. UnitedHealthcare offers this money-saving option that gives you detailed coverage without breaking the bank.
Value Plan Key Features
The Value Plan strikes a good balance between Medicare coverage and price, with benefits that are available to everyone. Here’s what you get:
- Coverage for all Medicare Part A and B services
- Prescription drug coverage through Medicare Part D
- Simple dental, vision, and hearing benefits
- UnitedHealthcare’s extensive provider network across 49 states and Washington, D.C. [3]
- Free gym memberships and rewards when you meet health goals [3]
- Nurses are ready to answer your questions around the clock [3]
The plan fills a gap that existed when beneficiaries couldn’t find affordable coverage with these features.
Value Plan Pros and Cons
Pros:
- Most plans come with $0.00 monthly premiums [3]
- You pay nothing for most primary care visits and lab tests [3]
- Tier 1 and Tier 2 prescription medications cost you nothing [3]
- Preventive dental care comes at no cost [3]
- The plan serves 49 states, making it accessible nationwide [3]
Cons:
- You need approval first for routine treatments like X-rays and diagnostic tests [3]
- Your costs change a lot depending on location [3]
- Network rules might limit your choice of providers
- Healthcare costs could rise if you have complex medical needs [10]
Value Plan Pricing
The Value Plan stays true to its name with these budget-friendly features:
- $0.00 monthly premium in most areas [3]
- Your yearly out-of-pocket costs won’t exceed $7,550 (2021 figure) [10]
- You’ll know exactly what you’ll pay for primary care visits
- You save money by seeing in-network providers
Your actual costs depend on where you live, so check the rates in your area.
Value Plan Best For
You’ll get the most from the AARP Medicare Advantage Value Plan if you:
- Want detailed coverage without spending too much
- Need mostly preventive care and are in good health
- Don’t mind staying within the provider network
- Like having fitness perks and wellness programs
- Want healthcare costs you can predict
The plan works great if you want UnitedHealthcare’s network benefits without paying premiums. The original design improves on Original Medicare by adding extra benefits while keeping costs low.
AARP Medicare Advantage Premier Plan
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AARP’s Premier Plan stands at the top of their Medicare Advantage offerings with exceptional coverage and minimal out-of-pocket costs. This premium plan delivers detailed healthcare coverage with fewer money worries and comes packed with an impressive benefits package.
Premier Plan Key Features
The Premier Plan shines through these superior coverage elements:
- Ultra-low out-of-pocket maximum of just $900 annually [1]
- Detailed prescription drug coverage with modest $175 annual deductible [1]
- $0 copay for inpatient hospital stays with unlimited coverage days [1]
- $0 copays for primary care, specialist visits, and virtual telehealth services [1]
- Extensive dental benefits with $1,500 combined limit for preventive and detailed services [7]
- $0 copay for diagnostic tests, procedures, and lab services [1]
- $0 copay for physical therapy and occupational therapy [1]
Premier Plan Pros and Cons
Pros:
- Remarkably low out-of-pocket maximum compared to market standards
- Minimal copays for most services
- Superior prescription drug coverage
- Extensive dental, vision, and hearing benefits
- Access to UnitedHealthcare’s nationwide provider network [3]
Cons:
- Higher monthly premium ($15.80 in some markets) [1]
- Limited availability in specific service areas
- Specialist care usually needs referrals [1]
- Some services need prior authorization [1]
- HMO structure restricts provider choices
Premier Plan Pricing
The Premier Plan’s monthly costs vary by location:
- Premium: $15.80-$25.90 depending on service area [1] [7]
- Annual medical deductible: $0.00 [1] [7]
- Drug plan deductible: $175.00 [1]
- Out-of-pocket maximum: $800-$900 annually [1] [7]
Your Medicare Part B premium ($185.00 in 2025) needs to be paid separately [2].
Premier Plan is Best For
This plan works great if you:
- Use healthcare services frequently
- Want to pay more upfront for lower out-of-pocket costs
- Like predictable healthcare expenses
- Need ongoing specialist care
- Want maximum coverage without surprise costs
The Premier Plan represents AARP’s most detailed Medicare Advantage option. Members value its blend of extensive coverage and financial protection, making it worth thinking over if you want premium Medicare benefits without unexpected costs.
AARP Medicare Advantage Select Plan
Image Source: AARP Online Community
AARP’s Medicare Advantage Select Plan strikes a balance between complete coverage and affordable costs. UnitedHealthcare manages this plan that gives beneficiaries a customized approach to Medicare benefits without high premiums.
Select Plan Key Features
The Select Plan works as an HMO-POS (Health Maintenance Organization with Point-of-Service) option and offers:
- Network flexibility lets members see out-of-network providers for specific health services at higher costs [11]
- Complete dental coverage with $0 copay for preventive services [2]
- Built-in prescription drug coverage [8]
- Vision exams and eyeglasses at no extra premium [8]
- Hearing exams and hearing aid coverage [8]
Select Plan Pros and Cons
Pros:
- Access to UnitedHealthcare’s extensive provider network
- Extra benefits beyond Original Medicare at competitive rates
- You won’t need referrals for specialty care [11]
- Many service areas offer $0 or low-premium options [2]
- SilverSneakers fitness program comes included [8]
Cons:
- Not available in Alaska or U.S. territories [6]
- Out-of-network services might cost more [11]
- Some services need pre-authorization [12]
- Benefits vary by market
Select Plan Pricing
The plan stays competitive in the Medicare Advantage marketplace:
- Many service areas have $0 monthly premium [2]
- You must pay the standard Part B premium ($185.00 in 2025) [13]
- Out-of-pocket maximum stays below average
- Most common services have set copays
Select a Plan Best For
This plan fits well if you:
- Want a middle ground between simple and premium plans
- Like extra benefits without paying high premiums
- Need some network flexibility but don’t want full PPO costs
- Live where the plan is available (most states except Alaska) [6]
The Select Plan fills a gap between overly strict and expensive options that many seniors faced before.
AARP Medicare Advantage Complete Plan
Image Source: AARP Online Community
The AARP Medicare Advantage Complete Plan delivers an integrated healthcare coverage solution. UnitedHealthcare’s plan combines extensive benefits with customer-focused service to meet your healthcare needs.
Complete Plan Key Features
The Complete Plan delivers extensive coverage options:
- Combines Medicare Parts A, B, and typically Part D prescription drug coverage in one package
- Offers USD 0.00 annual physical exams and preventive care
- Provides dental, vision, and hearing coverage with USD 0.00 copays for exams
- Features the UCard® to access Medicare’s largest national provider network easily
- Has a health rewards program for physical activity and annual wellness visits
- Covers USD 0.00 copays for virtual medical and mental health visits
Complete Plan Pros and Cons
Pros:
- Many service areas offer $0.00 monthly premium
- Complete preventive care with USD 0.00 lab tests and screenings
- Access to an extensive UnitedHealthcare provider network in multiple states
- Rewards program encourages healthy activities
- Single-card system makes accessing all benefits easy
Cons:
- In-network services can reach $8,850 out-of-pocket maximum
- Provider availability changes by location
- Some procedures need prior authorization
- Network restrictions limit provider choices
- HMO-POS structure requires referrals
Complete Plan Pricing
The Complete Plan keeps pricing competitive:
- Many markets offer a 0.00 monthly premium
- Standard Part B premium applies ($185.00 in 2025)
- Drug deductibles range from $0.00 to $495.00 annually
- Out-of-pocket maximum ranges between $3,500 and $8,850
- Specialist visits cost 0.00- 50.00 in copays
Complete Plan Best For
This plan serves Medicare beneficiaries who want complete coverage without juggling multiple policies. It works great for people who prefer coordinated benefits through one provider. The plan suits those wanting extra benefits beyond Original Medicare and members who are comfortable with network restrictions. People looking for predictable healthcare costs with minimal monthly premiums will find value here.
The Complete Plan gives beneficiaries substantial coverage without unnecessary complexity.
AARP Medicare Advantage Plus Plan
Image Source: AARP Online Community
The AARP Medicare Advantage Plus Plan adds extra benefits to your Medicare coverage and helps reduce what you pay from your pocket. UnitedHealthcare manages this plan that gives you valuable benefits beyond basic coverage.
Plus Plan Key Features
The Plus Plan has these notable benefits:
- Flex Card benefit of approximately $725 per year for dental, vision, and hearing costs, plus exercise equipment, activity trackers, and Personal Emergency Response Systems [8]
- You can see out-of-network providers at higher costs
- $0 copay preferred generic drugs
- Dental coverage for preventive and complete care without an extra premium
- Vision exams and eyeglasses without extra premium
- Hearing exams and hearing aid coverage [8]
Plus Plan Pros and Cons
Pros:
- Extra benefits that go beyond Original Medicare
- $0 monthly premium in many service areas [14]
- $0 copays for preventive dental care
- Access to UnitedHealthcare’s extensive provider network in 49 states [3]
- Has a rewards program when you stay healthy [14]
Cons:
- You need prior authorization for specific procedures
- Costs change a lot between locations [3]
- Not offered in Alaska or U.S. territories [6]
- Plan options vary by location [8]
- AARP membership required (first year $15, then $20 yearly) [12]
Plus Plan Pricing
The Plus Plan keeps prices competitive:
- $0 monthly premium in many areas [3]
- You must pay the Part B premium ($185 in 2025) [2]
- Drug deductibles usually range from $250-$495 [8]
- Maximum out-of-pocket costs between $4,900-$6,700 for in-network services [8]
- Specialist visits cost $0-$50 based on location [8]
Plus Plan Best For
This plan works best if you:
- Want extra benefits without high premiums
- Use dental, vision, and hearing services often
- Like the flexibility of a Flex Card for healthcare costs
- Feel comfortable with UnitedHealthcare’s network (largest in the U.S.) [14]
- Are you an AARP member or want to join
Many people choose this plan because it combines complete coverage with features that help them stay healthy as they age.
AARP Medicare Advantage Freedom Plan
Image Source: AARP
The AARP Medicare Freedom Plan stands out by giving beneficiaries more control over their healthcare choices. This HMO-POS plan creates a perfect balance between managed care benefits and flexibility that many people value.
Freedom Plan Key Features
The AARP Medicare Advantage Freedom Plus (HMO-POS) comes with these distinct features:
- You need to pick a primary care provider from the network [5]
- Your inpatient hospital stays are covered with no day limit [5]
- Emergency care outside the United States comes with $0 copay [5]
- The Platinum Dental Rider gives you preventive and detailed dental benefits [5]
- You get 100% coverage for preventive care screenings and annual physical exams with in-network providers [5]
The plan is available to all qualifying Medicare beneficiaries without needing AARP membership [5].
Freedom Plan Pros and Cons
Pros:
- No monthly premium to pay [5]
- No annual medical deductible [5]
- Low $800 out-of-pocket maximum for in-network services [5]
- Preventive dental care at $0 copay [5]
- Urgent care services outside the United States at $0 copay [5]
Cons:
- Service area limited to Orange County, California [5]
- You must select a PCP and might need referrals [5]
- Out-of-network providers have a higher $10,000 out-of-pocket maximum [5]
- Emergency care within the United States costs $90 copay [5]
- Some services may need prior authorization [5]
Freedom Plan Pricing
The Freedom Plan keeps costs simple:
- $0 monthly premium [5]
- $0 annual medical deductible [5]
- $800 in-network yearly out-of-pocket maximum [5]
- $10,000 out-of-network yearly out-of-pocket maximum [5]
- $90 copay for emergency care ($0 outside US) [5]
- $20 copay for urgent care needs ($0 outside US) [5]
Freedom Plan Best For
This plan works best for:
- Medicare beneficiaries living in Orange County, California
- People who want both a network structure and flexibility
- Frequent international travelers needing emergency coverage abroad
- Those who prefer no premium and predictable healthcare costs
- Anyone who needs detailed dental coverage through the Platinum Dental Rider
The Freedom Plan ended up creating a smart balance between restricted networks and complete provider freedom. It serves people who want structured care but need built-in flexibility.
For over the last 35 years, we have helped thousands find the lowest rates and the best Medicare Advantage and Medicare Supplemental plans to protect themselves and their families. We provide free guidance and education on how to compare plans and enroll in Health Insurance Coverage that meets or exceeds their needs.
Conclusion
When choosing a Medicare Advantage plan, consider several key factors, including your healthcare needs, budget, and priorities. AARP Medicare Advantage plans through UnitedHealthcare give you great options from $0 premium HMO-POS plans to Premier plans with low out-of-pocket costs. These plans go beyond Original Medicare by adding dental, vision, and hearing coverage that many people find helpful.
Plan options change based on where you live, but AARP Medicare Advantage plans keep prices competitive and give access to many providers. D-SNP plans work great if you’re dual-eligible, and the Freedom Plan covers you internationally when traveling. The Rx Saver and Rx Preferred plans help you manage your medication costs.
Your healthcare priorities should guide your plan choice. The PPO plan might be your best bet if you want provider flexibility. The Premier Plan could work better if you need detailed coverage with minimal expenses. The Select or Complete plans strike a good balance between coverage and cost.
Medicare options can feel like a maze sometimes. A licensed Medicare specialist can give you individual-specific guidance. They help you compare plans, explain what you get, and make sure your coverage lines up with your healthcare needs.
AARP Medicare Advantage plans are a solid choice with their mix of detailed coverage, extra benefits, and competitive pricing. Your perfect plan depends on your healthcare needs, money situation, and lifestyle priorities. A complete picture of your options now will help you get healthcare coverage that works well for you.
Key Takeaways
AARP Medicare Advantage plans offer comprehensive healthcare solutions that go beyond Original Medicare, with most featuring $0 premiums and additional benefits like dental, vision, and hearing coverage.
• Choose based on your priorities:
PPO plans offer maximum provider flexibility, HMO-POS plans balance structure with some flexibility, and D-SNP plans serve dual-eligible beneficiaries with specialized coordination.
• Most plans feature $0 monthly premiums
With out-of-pocket maximums ranging from $800 (Premier/Freedom) to $8,900 (some PPO plans), making coverage predictable and affordable.
• Extra benefits set these plans apart:
Many include $725 Flex cards, SilverSneakers fitness programs, virtual visits with $0 copays, and comprehensive dental coverage up to $1,500 annually.
• Geographic availability varies significantly –
Some plans, like Freedom, are limited to specific counties, while others cover 49 states, so check local availability before deciding.
• Prescription drug coverage
Is integrated in most plans, with options ranging from the budget-friendly Rx Saver ($124.80/month, $590 deductible) to the premium Rx Preferred ($83-$114/month, $0 deductible).
With UnitedHealthcare’s extensive provider network and an average 3.95-star CMS rating, AARP Medicare Advantage plans provide reliable coverage for over 9.8 million beneficiaries. The key is matching your healthcare needs, budget, and location to the right plan type.
FAQs
Q1. What is the top-rated Medicare Advantage plan for 2026?
While Cigna is highly rated for low costs and member experience, the best plan depends on your individual needs. AARP Medicare Advantage plans, administered by UnitedHealthcare, offer competitive options with an average 3.95-star rating from CMS.
Q2. Are there any drawbacks to United Healthcare AARP Medicare Advantage plans?
Some potential disadvantages include network restrictions, prior authorization requirements for certain services, and coverage that varies by location. However, these plans often provide additional benefits beyond Original Medicare at competitive prices.
Q3. Which UnitedHealthcare AARP Medicare Supplement plan is most popular?
While this FAQ focuses on Medicare Advantage plans, it’s worth noting that Medigap Plan G is generally the most comprehensive and popular Medicare Supplement plan. However, AARP offers various Medicare Advantage options to suit different needs.
Q4. How do UHC AARP Medicare Advantage plans rate in terms of quality?
AARP Medicare Advantage plans, administered by UnitedHealthcare, received an average rating of 3.95 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, indicating above-average quality and performance.
Q5. What unique features do United Healthcare AARP Medicare Advantage plans offer?
Many AARP Medicare Advantage plans include additional benefits like dental, vision, and hearing coverage, $0 premiums, Flex Cards for healthcare expenses, and access to UnitedHealthcare’s extensive provider network spanning 49 states.
Turning 65 and New to Original Medicare Health Insurance Plans? Below is a List of States O’Neal Insurance Group and James O’Neal NPN: 770576 are licensed to help.
Medicare Advantage Health Insurance Plans by States, we offer free agent broker phone and Zoom meeting appointments to two residents in the following states. Alabama, Arizona, Arkansas, California, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Montana, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin,
References
[1] – https://q1medicare.com/MedicareAdvantage-PartC-MedicareHealthPlanBenefits.php?source=2021MARxFinder&countyCode=32023&state=NV&contractId=H0609&planId=031&segmentId=0&plan=AARP Medicare Advantage Premier (HMO)&utm_source=partd&utm_medium=rxfinder&utm_campaign=planname
[2] – https://www.nerdwallet.com/insurance/medicare/aarp-medicare-advantage-review
[3] – https://www.seniorliving.org/medicare-medicaid/advantage/aarp/
[4] – https://www.uhc.com/medicare/alphadog/AACO23PO0063913_002
[5] – https://www.uhc.com/medicare/alphadog/AACA23PO0063884_002
[6] – https://www.aarp.org/membership/benefits/insurance/uhc-medicare-advantage/
[7] – https://www.uhc.com/medicare/alphadog/AACA23PO0063862_002
[8] – https://www.healthline.com/health/medicare/aarp-medicare-advantage
[9] – https://www.aarpmedicareplans.com/
[10] – https://states.aarp.org/west-virginia/medicare-vs-medicare-advantage-pros-and-cons
[11] – https://www.uhcprovider.com/en/health-plans-by-state/california-health-plans/ca-medicare-plans/ca-aarp-medcomp-sechoriz.html
[12] – https://www.medicalnewstoday.com/articles/united-healthcare-aarp-medicare-advantage
[13] – https://www.aarp.org/medicare/original-medicare-vs-advantage/
[14] – https://www.aarpmedicareplans.com/shop/medicare-advantage-plans.html
