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AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) Medicare Advantage Plan H2406-041 • 2027

CMS Rating: ☆☆☆☆☆ (4.0 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$1,000
Maximum Out-of-Pocket
$7150.00In-network
Part B Giveback
−$40.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
See List
Total Enrollment
1,469 beneficiaries
Last update:

AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) Introduction

AARP Medicare Advantage Patriot No Rx HI-MA01 is a Medicare Advantage PPO plan offered by UnitedHealthcare. It uses a Preferred Provider Organization (PPO) provider network and comes without prescription drug coverage. For the 2027 plan year it has a $0.00 monthly premium, $1,000 medical deductible, and $7150.00 in-network maximum out-of-pocket. CMS Plan ID H2406-041 identifies this plan.

Plan Benefits

AARP Medicare Advantage Patriot No Rx HI-MA01 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 H2406-041.

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: $40 copay		 In-network: $0 copay
Out-of-network: $40 copay
Specialist In-network: $0-$65 copay
Out-of-network: $90 copay		 In-network: $0-$60 copay
Out-of-network: $85 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 In-network: $10 copay
Out-of-network: $90 copay		 In-network: $10 copay
Out-of-network: $85 copay
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: $50 copay		 In-network: $30 copay
Out-of-network: $50 copay
Diagnostic tests and procedures In-network: $50 copay
Out-of-network: 40% coinsurance		 In-network: $50 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
$685 per day for days 1-4
$0 per day for days 5-90
$0 per stay
Out-of-network:
40% per stay		 In-network:
Tier 1
$550 per day for days 1-4
$0 per day for days 5-90
$0 per stay
Out-of-network:
40% 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: $275 copay
Out-of-network: $275 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
$685 per day for days 1-4
$0 per day for days 5-90
$0 per stay
Out-of-network:
40% per stay		 In-network:
Tier 1
$550 per day for days 1-4
$0 per day for days 5-90
$0 per stay
Out-of-network:
40% 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: $90 copay		 In-network: $60 copay
Out-of-network: $85 copay
Occupational therapy In-network: $50 copay
Out-of-network: $90 copay		 In-network: $50 copay
Out-of-network: $85 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: 30% coinsurance
Out-of-network: 50% coinsurance		 In-network: 20% coinsurance
Out-of-network: 50% coinsurance
Prosthetics In-network: 30% 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: $90 copay		 In-network: $0 copay
Out-of-network: $85 copay
Contact lenses In-network: $0 copay
Out-of-network: 90% coinsurance		 In-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames only Not covered In-network: $0 copay
Out-of-network: $0 copay
Eyeglass lenses only Not covered In-network: $0-$153 copay
Out-of-network: $0-$153 copay
Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: 90% coinsurance		 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: $90 copay		 In-network: $0 copay
Out-of-network: $85 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 HI-MA01 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: H2406)

The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage (Part C) and Part D prescription drug plans each year using a 5-star system. These ratings measure plan performance in areas such as preventive care, management of chronic conditions, and member experience.

2027 Medicare Star Ratings for Contract H2406
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 ☆☆☆☆☆

Plan Availability

AARP Medicare Advantage Patriot No Rx HI-MA01 (H2406-041-0) is available in the following locations:

Hawaii Counties Served

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 HI-MA01 (PPO)

How much does plan H2406-041 cost per month?

The plan’s monthly premium is $0.00 for 2027. The Part B premium is not included.

What is the MOOP for AARP Medicare Advantage Patriot No Rx HI-MA01 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?

CMS reports 1,469 beneficiaries enrolled in this plan.

What is the prescription drug deductible for 2027?

For 2027, the prescription drug deductible is $0.00.

Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

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
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard.