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AARP Medicare Advantage Patriot No Rx TX-MA05 (PPO) Medicare Advantage Plan H1278-027 • 2027

CMS Rating: ☆☆☆☆☆ (3.0 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$7150.00In-network
Part B Giveback
−$70.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
See List
Total Enrollment
674 beneficiaries
Last update:

AARP Medicare Advantage Patriot No Rx TX-MA05 (PPO) Introduction

CMS Plan ID H1278-027 identifies AARP Medicare Advantage Patriot No Rx TX-MA05, a Medicare Advantage PPO plan offered by UnitedHealthcare. The plan uses a Preferred Provider Organization (PPO) provider network and comes without prescription drug coverage. Its costs for the 2027 plan year include a $0.00 monthly premium, $0.00 medical deductible, and $7150.00 in-network maximum out-of-pocket.

Plan Benefits

AARP Medicare Advantage Patriot No Rx TX-MA05 has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The tables below detail the most common in-network out-of-pocket expenses for plan H1278-027.

Compare 2027 plan benefits with 2026.

Office Visits

Office visit costs by plan year.
Covered Service 2027 2026
Primary care In-network: $0 copay
Out-of-network: $25 copay		 In-network: $0 copay
Out-of-network: $25 copay
Specialist In-network: $0-$65 copay
Out-of-network: $105 copay		 In-network: $0-$65 copay
Out-of-network: $105 copay

Preventive and Wellness Services

Preventive and wellness service costs and benefits by plan year.
Covered Service 2027 2026
Annual wellness exam In-network: $0 copay
Out-of-network: 40% coinsurance		 In-network: $0 copay
Telehealth benefit Not covered In-network: $0 copay
Routine chiropractic Not covered Not covered
Fitness benefits Coming soon In-network: $0 copay
Out-of-network: $0 copay
Health education Not covered Not covered
Counseling services Not covered Not covered
Over-the-counter drug benefits Not covered Not covered
Health transportation (non-emergency) Coming soon Not covered

Diagnostic, Lab, and Imaging Services

Diagnostic, laboratory, and imaging service costs by plan year.
Covered Service 2027 2026
Diagnostic radiology services In-network: $0-$320 copay
Out-of-network: 40% coinsurance		 In-network: $0-$260 copay
Out-of-network: 40% coinsurance
Lab services In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Outpatient x-rays In-network: $30 copay
Out-of-network: $40 copay		 In-network: $30 copay
Out-of-network: $35 copay
Diagnostic tests and procedures In-network: $50 copay
Out-of-network: 40% coinsurance		 In-network: $5 copay
Out-of-network: 40% coinsurance

Emergency and Urgent Care Services

Emergency, urgent care, hospital, ambulance, and skilled nursing costs by plan year.
Covered Service 2027 2026
Emergency room care $130 copay $130 copay
Worldwide emergency care Coming soon $0 copay
Urgent care $0-$50 copay $0-$50 copay
Inpatient hospital care In-network:
Tier 1
$610 per day for days 1-4
$0 per day for days 5-90
$0 per stay
Out-of-network:
$710 per day for days 1-16
$0 per day for days 17-999
$0 per stay		 In-network:
Tier 1
$550 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
$650 per day for days 1-16
$0 per day for days 17-999
$0 per stay
Skilled Nursing Facility In-network:
Tier 1
$0 per day for days 1-20
$221 per day for days 21-100
Out-of-network:
$250 per day for days 1-100
$0 per stay		 In-network:
Tier 1
$0 per day for days 1-20
$218 per day for days 21-100
Out-of-network:
$250 per day for days 1-100
$0 per stay
Ground ambulance In-network: $350 copay
Out-of-network: $350 copay		 In-network: $290 copay
Out-of-network: $290 copay

Mental Health Services

Mental health therapy and inpatient psychiatric care costs by plan year.
Covered Service 2027 2026
Outpatient individual therapy In-network: $0-$25 copay
Out-of-network: $40 copay		 In-network: $0-$25 copay
Out-of-network: $40 copay
Outpatient group therapy In-network: $15 copay
Out-of-network: $30 copay		 In-network: $15 copay
Out-of-network: $30 copay
Inpatient psychiatric hospital care In-network:
Tier 1
$610 per day for days 1-4
$0 per day for days 5-90
$0 per stay
Out-of-network:
$710 per day for days 1-16
$0 per day for days 17-999
$0 per stay		 In-network:
Tier 1
$550 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
$650 per day for days 1-16
$0 per day for days 17-999
$0 per stay

Rehabilitation Services

Physical, speech, and occupational therapy costs by plan year.
Covered Service 2027 2026
Physical therapy and speech and language therapy In-network: $65 copay
Out-of-network: $105 copay		 In-network: $65 copay
Out-of-network: $105 copay
Occupational therapy In-network: $50 copay
Out-of-network: $105 copay		 In-network: $50 copay
Out-of-network: $105 copay

Medical Equipment and Supplies

Diabetes supplies, durable medical equipment, and prosthetic costs by plan year.
Covered Service 2027 2026
Diabetes supplies In-network: $0 copay
Out-of-network: 50% coinsurance		 In-network: $0 copay
Out-of-network: 50% coinsurance
Durable medical equipment In-network: 20% coinsurance
Out-of-network: 50% coinsurance		 In-network: 20% coinsurance
Out-of-network: 50% coinsurance
Prosthetics In-network: 20% coinsurance
Out-of-network: 50% coinsurance		 In-network: 20% coinsurance
Out-of-network: 50% coinsurance

Medicare Part B Drugs

Chemotherapy and other Medicare Part B-covered drug costs by plan year.
Covered Service 2027 2026
Chemotherapy In-network: 0%-20% coinsurance
Out-of-network: 40% coinsurance		 In-network: 0%-20% coinsurance
Out-of-network: 40% coinsurance
Other Part B drugs (Medicare-covered) In-network: 0%-20% coinsurance
Out-of-network: 0%-40% coinsurance		 In-network: 0%-20% coinsurance
Out-of-network: 0%-40% coinsurance

Dental Services

Preventive and comprehensive dental service costs by plan year.
Covered Service 2027 2026
Oral exam In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Cleaning In-network: $0 copay
Out-of-network: $0 copay		 In-network: $0 copay
Out-of-network: $0 copay
Periodontics Not covered Not covered
Endodontics Not covered Not covered
Restorative services Not covered Not covered
Implant services Not covered Not covered
Orthodontics Not covered Not covered
Oral/Maxillofacial surgery Not covered Not covered

Vision Services

Routine eye exams, contact lenses, and eyewear costs by plan year.
Covered Service 2027 2026
Routine eye exam In-network: $0 copay
Out-of-network: $105 copay		 In-network: $0 copay
Out-of-network: $105 copay
Contact lenses Not covered Not covered
Eyeglass frames only Not covered Not covered
Eyeglass lenses only Not covered Not covered
Eyeglasses (frames & lenses) Not covered Not covered
Upgrades Not covered Not covered

Hearing Services

Hearing exams, fittings, and hearing aid costs by plan year.
Covered Service 2027 2026
Hearing exam In-network: $0 copay
Out-of-network: $105 copay		 In-network: $0 copay
Out-of-network: $105 copay
Fitting/evaluation Not covered Not covered
Prescription hearing aids In-network: $0 copay
Out-of-network: 90% coinsurance		 In-network: $199-$1249 copay
Out-of-network: $199-$1249 copay
OTC hearing aids Not covered In-network: $199-$829 copay
Out-of-network: $199-$829 copay

Additional and Special Needs Services

Additional and special needs service costs and benefits by plan year.
Covered Service 2027 2026
Adult day health services Not covered Not covered
Home-based palliative care Not covered Not covered
Personal emergency response system Coming soon Not covered
Weight management programs Not covered Not covered
Wigs for chemotherapy-related hair loss Coming soon Not covered
Alternative therapies Not covered Not covered
Massage therapy Not covered Not covered
Home/bathroom safety devices Not covered Not covered

Certain preventive services are covered 100% by AARP Medicare Advantage Patriot No Rx TX-MA05 as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Performance Ratings (Contract ID: H1278)

CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, and member experience.

2027 Medicare Star Ratings for Contract H1278
CMS Measure Star Rating
2027 Overall 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 ☆☆☆☆☆

Frequently Asked Questions

Here are some of the most frequently asked questions about this plan (click to open).

Frequently Asked Questions About AARP Medicare Advantage Patriot No Rx TX-MA05 (PPO)

How much does plan H1278-027 cost per month?

For 2027, the monthly premium is $0.00. Medicare Part B premiums apply in addition to this amount.

What is the MOOP for AARP Medicare Advantage Patriot No Rx TX-MA05 in 2027?

The 2027 in-network MOOP is $7150.00. Once this limit is reached, covered in-network costs are fully covered.

How many beneficiaries are enrolled in this plan?

The plan has 674 enrolled beneficiaries according to CMS.

Is there a Part D deductible for this plan?

The Part D deductible is $0.00.

Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher Last Accessed
Landscape Source Files Centers for Medicare & Medicaid Services October 5, 2026
Medicare Part C & D Performance Centers for Medicare & Medicaid Services October 5, 2026
Plan Benefits Package Centers for Medicare & Medicaid Services October 5, 2026
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services October 5, 2026

Data sources and methodology documentation.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
UnitedHealthcare (official source) http://AARPMedicarePlans.com October 4, 2026
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.