AARP Medicare Advantage from UHC OR-0002 (PPO)
The AARP Medicare Advantage from UHC OR-0002 (PPO) is a 2027 PPO Medicare Advantage plan from UnitedHealthcare with a $0 monthly premium and a 4-star CMS rating. It may include allowances for hearing. It's available in 9 counties across 1 state.
Reviewed by the Medicare Advocates team · 2027 plan year · sourced from CMS data
Offered in 9 counties across 1 state
- Monthly premium$0
- Overall star rating4 / 5
- In-network max out-of-pocket$7,150
- Hearing$700
2027 plan-year figures (premium, star rating, MOOP) from the CMS Landscape file; allowance amounts from CMS PBP data. Amounts vary by plan; not all plans offer all benefits.
About this plan
AARP Medicare Advantage from UHC OR-0002 (PPO), plan H2406-070-000, is a 2027 Medicare Advantage plan from UnitedHealthcare, sold in Oregon. It carries a $0 plan premium with a $7,150 in-network out-of-pocket limit.
In-network and out-of-network care
This is a PPO, so it pays toward care both inside and outside its network. In-network care costs you less, and an out-of-network provider has to accept Medicare and agree to bill the plan. The plan's Summary of Benefits lists an out-of-network amount for each service next to the in-network one, and that is the column to read before you book a visit outside the network.
Who can enroll
To join, you need Medicare Part A and Part B and you have to live in the plan's service area, which covers 9 counties in Oregon for 2027. You keep paying your Part B premium to Medicare.
Counties in the service area include Benton, Clackamas, Columbia, Lane, Marion and Multnomah.
What the AARP Medicare Advantage from UHC OR-0002 (PPO) plan may include
- Hearing: up to $700 per year in plan allowance (2027).
Costs & coverage detail
Annual Part D drug deductible: $685 (2027).
Doctor visits
- Primary care visit$0
- Specialist visit$0–$70 copay
- Chiropractic (Medicare-covered)$15 copay
- Podiatry (Medicare-covered)$55 copay
Emergency & urgent care
- Emergency room$130 copay
- Urgent care$0–$50 copay
Tests, labs & imaging
- Lab services$0
- Diagnostic tests & procedures$50 copay
- X-rays$30 copay
- Diagnostic radiology (CT/MRI/PET)$0–$320 copay
Outpatient hospital & surgery
- Outpatient hospital services$0–$835 copay
- Ambulatory surgical center$0–$785 copay
- Outpatient substance abuse (individual)$0–$25 copay
Home health & equipment
- Home health care$0
Medical equipment & supplies
- Durable medical equipment (DME)30% coinsurance
- Medical supplies (Medicare-covered)30% coinsurance
- Part B drugs (other)0–20% coinsurance
- Part B chemotherapy drugs0–20% coinsurance
Ambulance
- Ground ambulance$350 copay
Dental
- Preventive dental (exams, cleanings, X-rays)$0
Vision
- Routine eye exam$0
- Eyewear (glasses/contacts)$0
Hearing
- Routine hearing exam$0
- Hearing aids$0
Mental health
- Mental health visit (individual)$0–$25 copay
- Mental health visit (group)$15 copay
- Psychiatric services (individual)$0–$25 copay
- Inpatient psychiatric hospital$835/day, days 1–2; $0/day, days 3–90
Therapy
- Occupational therapy visit$50 copay
Hospital stays
- Inpatient hospital$835/day, days 1–3; $0/day, days 4–90
- Skilled nursing facility (SNF)$0/day, days 1–20; $221/day, days 21–100
In-network, Medicare-covered cost sharing for the 2027 plan year (CMS PBP data). Costs vary by service and setting; see the Summary of Benefits for full detail.
Extra benefit allowances
- Hearing aid allowance$700 per year
Prescription drug costs
Annual Part D drug deductible: $685.
| Tier | Preferred retail | Standard retail | Mail (90-day) |
|---|---|---|---|
| Tier 1 · Preferred Generic | Not listed | Not listed | $0 |
| Tier 2 · Generic | Not listed | Not listed | $0 |
| Tier 3 · Preferred Brand | Not listed | Not listed | 21% |
30-day supply cost share for the 2027 plan year, in-network (mail column shows 90-day). Amounts shown are before any deductible applies and vary by drug.
What everyday care costs
In network, a primary care visit is $0, a specialist visit is $0 to $70, the emergency room is $130 and urgent care is $0 to $50. Emergency care and urgently needed services are covered whether or not the provider is in the plan's network, which matters when you are away from home.
An individual mental health visit is $0 to $25 and occupational therapy is $50.
Physical therapy and speech therapy are covered too, at cost shares the plan lists in its Summary of Benefits rather than in the CMS benefit files, so check those two there.
Preventive care and vaccines
You pay $0 for the preventive services Original Medicare covers when you use a provider in the plan's network. That includes your annual wellness visit, the recommended screenings for your age, and most vaccines. Preventive care is the easiest value to collect from any Medicare Advantage plan, so book the wellness visit early in the year.
Dental, vision and hearing
Beyond what Original Medicare covers, this plan includes $700 toward hearing aids. These allowances almost always have to be used with providers and suppliers the plan works with, so check that before you buy, particularly for hearing aids where the plan usually names its own vendor.
Prescription drug coverage
Part D prescription drug coverage is included, so you do not need a separate drug plan. Check the plan's formulary, which is its list of covered drugs, for every medicine you take before you enroll.
For 2027, the drug deductible is $685 and your own drug costs are capped at $2,400 for the year.
The plan sorts drugs into 3 tiers, and what you pay depends on the tier and on which pharmacy you use. The tier table below shows the cost at a preferred retail pharmacy, a standard retail pharmacy, and by mail. Because drug coverage is built in, you do not add a standalone prescription drug plan on top.
If a medicine you take is not on the formulary, your prescriber can ask the plan for an exception, and if your income is limited, Extra Help can cut what you pay for drugs regardless of which plan you choose.
How this plan compares in Clackamas County
Here is how AARP Medicare Advantage from UHC OR-0002 (PPO) sits against other plans sold in Clackamas County for 2027.
UHC Care Advantage OR-E001 (PPO I-SNP) has a lower in-network limit at $4,000. UHC Care Advantage OR-E001 (PPO I-SNP) rates higher at 5 stars.
Who this plan may fit
This plan may fit people in the service area who want a $0 plan premium and are comfortable with a $7,150 ceiling on in-network costs. Because it is a PPO, you also keep some coverage outside the network, at a higher cost.
Like any Medicare Advantage plan, it changes how your Medicare claims are paid. If you travel often, or you want to use any doctor who accepts Medicare without checking a network, compare it against Original Medicare with a Medicare Supplement and a separate drug plan before you decide.
Questions to ask before you enroll
A licensed insurance agent can check all of these against your own doctors and prescriptions at no cost.
- Are my doctors in the plan's network, and what would an out-of-network visit cost me?
- Are all of my prescriptions on the plan's drug list, and at which tier?
- Which of the services I use regularly need prior authorization?
- What counts toward the $7,150 out-of-pocket limit, and what does not?
Common questions
- What is the AARP Medicare Advantage from UHC OR-0002 (PPO) plan?
- It is a Medicare Advantage plan (CMS plan ID H2406-070-000) offered by UnitedHealthcare for the 2027 plan year. Medicare Advantage plans bundle your Part A and Part B coverage, and most include extra benefits Original Medicare does not.
- What extra benefits could this plan include?
- Depending on the plan, supplemental benefits may include allowances toward hearing. Amounts shown are for the 2027 plan year and vary by plan and area. A licensed agent can confirm what is available to you.
- Where is this plan available?
- For 2027, this plan is offered in 9 counties across 1 state. Availability and benefits depend on your specific ZIP code.
- How do I enroll or compare plans?
- Call to speak with a licensed insurance agent who can review this plan alongside the other options in your area at no cost. There is no obligation to enroll, and enrollment may be limited to certain times of year unless you qualify for a Special Enrollment Period.
Counties served
Oregon (9 counties)
Benton, Clackamas, Columbia, Lane, Marion, Multnomah, Polk, Washington, Yamhill
Ready when you are.
No cost. No pressure. There is no obligation to enroll.One licensed insurance agent, for as long as you’re on Medicare.