A kind of cost sharing where you pay a predictable, pre-set amount.
Annual Deductible
The amount you must pay for health care costs before the insurance company or Medicare begins to pay.
Total drug costs
The amount you (or others on your behalf) pay plus the amount the plan pays starting January 1. Premiums are not included in total drug costs.
Monthly Premium
The monthly fee paid by you to the plan in exchange for prescription drug coverage. Premiums do not count toward your total drug costs.
Annual deductible
The pre-set, fixed amount you must pay for healthcare or prescription drug costs before the insurance company or Medicare begins to pay.
Drug list
A list of drugs covered by your Medicare Part D plan. A drug list may also be referred to as a covered medications list (CML), a preferred drug list (PDL), a select drug list or a formulary. These drugs are dispensed through participating pharmacies to covered members. Drug lists may differ between Medicare prescription drug plans.
You may want to carefully weigh the differences in drug lists against the plan costs and other features when choosing a plan that may best meet your needs. A drug list may change during the year.
What is a formulary (drug list)
A list of drugs covered by your Medicare Part D plan benefit. A drug list may also be referred to as a covered medications list (CML), a preferred drug list (PDL), a select drug list or a formulary. These drugs are dispensed through participating pharmacies to covered members. Drug lists may differ between Medicare prescription drug plans.
Co-pay
A kind of cost sharing where you pay a predictable, pre-set amount.
Co-pay
A payment determined by the insurance company that you pay a predictable, pre-set amount for a medical service.
Deductible
The pre-set, fixed amount you must pay for health care or prescription drug costs before the insurance company or Medicare begins to pay.
Co-insurance
A kind of cost sharing where you pay a percentage of the cost of a service. For example, a plan might pay 75% and you would pay 25%.
Primary Care Physician
A doctor that you choose from your plan's provider network to help you coordinate your medical care.
Out-of-pocket Costs
The amount you (or others on your behalf) pay toward the cost of your prescription drugs including your deductible, co-pays, co-insurance and payments made in the coverage gap. Premiums do not count toward out-of-pocket costs.
What is HMO
Medicare Health Maintenance Organization (HMO) plans cover services you receive through a contracted network of local doctors and hospitals that help coordinate your care.
POS Plans
A type of HMO plan, Point of Service (POS) plans let you receive certain services from doctors or hospitals that are not in the plan's network, generally at a higher co-payment or co-insurance.
What is HMOPOS
A type of HMO plan, Point of Service (POS) plans let you receive certain services from doctors or hospitals that are not in the plan's network, generally at a higher co-payment or co-insurance.
What is HMO POS
A type of HMO plan, Point of Service (POS) plans let you receive certain services from doctors or hospitals that are not in the plan's network, generally at a higher co-payment or co-insurance.
PPO Plans
Preferred Provider Organization (PPO) plans allow you to visit providers who are in or out of the plan's network. For services received outside of the network, you generally have higher co-payment and co-insurance costs.
What is LPPO
Preferred Provider Organization (PPO) plans allow you to choose providers who are in or out of the plan's network. For services received outside of the network, you generally have higher co-payment and co-insurance costs.
What is RPPO
Preferred Provider Organization (PPO) plans allow you to visit providers who are in or out of the plan's network. For services received outside of the network, you generally have higher co-payment and co-insurance costs.
Monthly Premium
The monthly fee you pay to the plan for your health care coverage. The amount shown does not include the Part B premium you already pay to the government. You must continue to pay your Medicare Part B premium unless it is otherwise paid for under Medicaid or by another third party.
Co-pay/co-insurance
The fee you pay at the time you receive a covered health service. A co-payment is generally a fixed dollar amount, while co-insurance is a percentage of the cost.
Out-of-Pocket Maximum
This is the highest amount of money you have to pay out of your pocket for cost sharing (co-payments and co-insurance) charged for certain covered services during a calendar year. Not all co-payments or co-insurance amounts you pay apply toward the annual out-of-pocket maximum. See the plan's Evidence of Coverage (EOC) for more information.
HMO Plans
Health Maintenance Organization (HMO) plans cover services you receive through a network of local doctors and hospitals that help coordinate your care.
POS Plans
A type of HMO plan, Point of Service (POS) plans let you receive certain services from doctors or hospitals that are not in the plan's network, generally at a higher co-payment or co-insurance.
PPO Plans
Preferred Provider Organization (PPO) plans allow you to choose providers who are in or out of the plan's network. For services received outside of the network, you generally have higher co-payment and co-insurance costs.
Why is this $0
When you enroll in a UnitedHealthcare Medicare Advantage plan, the federal government pays UnitedHealthcare a set amount of money to provide your benefits. As one of the largest providers of Medicare coverage, we have the plans and wellness programs in place to keep costs down. So we can offer more benefits than Original Medicare for a $0 monthly premium.
What is a PDF?
PDF (Portable Document Format) files can be viewed with Adobe® Reader®. If you don't already have this viewer on your computer, download it free from the .
Tier 1: Lowest Co-pay
Most generic drugs are included in this tier. Use Tier 1 drugs for the lowest out-of-pocket costs.
Tier 1: Preferred Generic. Lowest Co-pay.
This tier includes lower-cost, commonly used generic drugs. Use Tier 1 drugs for the lowest out-of-pocket costs.
Tier 2: Medium Co-pay
This tier includes many common brand name drugs, called preferred brands, and some higher-cost generic drugs. Many Tier 2 drugs have lower-cost options in Tier 1. Ask your doctor if they could work for you.
Tier 2: Non-Preferred Generic. Low Co-pay.
This tier includes most generic drugs. Use Tier 2 drugs, instead of Tier 3 or 4, to help reduce your out-of-pocket costs.
Tier 3: Highest Co-pay
Drugs in this tier include non-preferred generic and non-preferred brand name drugs. Many Tier 3 drugs have lower-cost options in Tiers 1 or 2. Ask your doctor if you can switch to one of these drugs to help reduce your out-of-pocket costs.
Tier 3: Preferred Brand. Medium Co-pay.
This tier includes many common brand name drugs, called preferred brands, and some higher-cost generic drugs. Many Tier 3 drugs have lower-cost options in Tier 1 or 2. Ask your doctor if they could work for you.
Specialty Tier (Tier 4): Co-insurance
Unique and/or very high-cost drugs are included in this tier. You pay a percentage of the total drug cost, called co-insurance.
Tier 4: Non-Preferred Brand. Highest Co-pay.
This tier includes non-preferred generic and non-preferred brand drugs. Many Tier 4 drugs have lower-cost options in Tier 1, 2 or 3. Ask your doctor if you can switch to one of these drugs to help reduce your out-of-pocket costs.
Tier 5: Specialty Tier. Co-insurance.
This tier includes unique and/or very high-cost drugs. You pay a percentage of the total drug cost, called co-insurance.
Special Enrollment Period
Medicare beneficiaries who meet certain criteria, such as moving outside of their current plan's service area, can change plans or return to Original Medicare outside of Open Enrollment.
True Out-of-Pocket (TrOOP) costs
The total payments that are made by you or a qualified individual on your behalf for covered drugs during the plan year. These costs include deductible payments (if applicable), co-pays, co-insurance and payments made during the coverage gap. Premiums do not count toward TrOOP costs.
Total Annual Costs
This is the yearly cost of the plan, including the plan's premium and the amounts you alone pay in prescription drug costs, such as deductibles (if applicable), co-pays/co-insurance and the amounts you pay in the coverage gap.
These are the monthly rates (also called premiums) you will pay for this plan. Plans in this area are community rated, which means the cost does not automatically go up just because you get older. All rates are subject to change.
These are the monthly rates (also called premiums) you will pay for this plan. Plans in this state are area rated, which means your rates are based on the zip code in which you reside. All rates are subject to change.
These are the monthly rates (also called premiums) you will pay for this plan. Plans in this state are entry-age rated, which means your rates are based on your age when you first enroll in the plan. All rates are subject to change.
These are the monthly rates (also called premiums) you will pay for this plan. Plans in this state are entry-age and area rated, which means your rates are based on your age when you first enroll in the plan, as well as the zip code in which you reside. All rates are subject to change.
These are the monthly rates (also called premiums) you will pay for this plan. Plans in this state are area rated, which means your rates are based on the zip code in which you reside. All rates are subject to change.
Part A Co-insurance is the amount you pay on a percentage basis for covered hospital stays and hospice care.
Part B Co-insurance is the amount you pay on a percentage basis for covered doctor visits and preventive care.
Coverage for blood transfusions (first 3 pints).
Part A Co-insurance is the amount you pay on a percentage basis for covered hospital stays and hospice care.
Part B Co-insurance is the amount you pay on a percentage basis for covered doctor visits and preventive care.
Coverage for blood transfusions (first 3 pints).
Part A Co-insurance is the amount you pay on a percentage basis for covered hospital stays and hospice care.
Part B Co-insurance is the amount you pay on a percentage basis for covered doctor visits and preventive care.
Coverage for blood transfusions (first 3 pints)..
Part A Co-insurance is the amount you pay on a percentage basis for covered hospital stays and hospice care.
Part B Co-insurance is the amount you pay on a percentage basis for covered doctor visits and preventive care.
Coverage for blood transfusions (first 3 pints)..
Plan N has a co-payment up to $20 for office visits, and a co-payment up to $50 for emergency room visits.
Part A Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered hospital stays.
Part A Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered hospital stays.
Part A Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered hospital stays.
Part A Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered hospital stays.
In 2011 the Part A deductible is $1132.
Part B Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered doctor visits.
Part B Excess Charges: Under federal law, doctors who do not take Medicare's approved amount as payment in full may charge you up to 15% more than the Medicare approved amount.
Part B Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered doctor visits.
Part B Excess Charges: Under federal law, doctors who do not take Medicare's approved amount as payment in full may charge you up to 15% more than the Medicare approved amount.
Part B Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered doctor visits.
Part B Excess Charges: Under federal law, doctors who do not take Medicare's approved amount as payment in full may charge you up to 15% more than the Medicare approved amount.
Part B Deductible is the preset fixed amount you must pay before Medicare starts to pay for covered doctor visits.
Part B Excess Charges: Under federal law, doctors who do not take Medicare's approved amount as payment in full may charge you up to 15% more than the Medicare approved amount.
In 2011 the Part B deductible is $162.
Skilled Nursing Facility Co-insurance: A rehabilitation center certified to participate in, and be reimbursed by Medicare. Plan covers care you receive in a SNF within 30 days of a hospital stay of at least 3 days.
Skilled Nursing Facility Co-insurance: A rehabilitation center certified to participate in, and be reimbursed by Medicare. Plan covers care you receive in a SNF within 30 days of a hospital stay of at least 3 days.
Skilled Nursing Facility Co-insurance: A rehabilitation center certified to participate in, and be reimbursed by Medicare. Plan covers care you receive in a SNF within 30 days of a hospital stay of at least 3 days.
Skilled Nursing Facility Co-insurance: A rehabilitation center certified to participate in, and be reimbursed by Medicare. Plan covers care you receive in a SNF within 30 days of a hospital stay of at least 3 days.
You must meet Medicare's requirements which include staying in a hospital for at least three days and entering a Medicare-approved SNF within 30 days after leaving the hospital.
Foreign Emergency Care: The care you receive in a foreign country to treat an emergency condition.
Foreign Emergency Care: The care you receive in a foreign country to treat an emergency condition.
Foreign Emergency Care: The care you receive in a foreign country to treat an emergency condition.
Foreign Emergency Care: The care you receive in a foreign country to treat an emergency condition.
All Medicare Supplement Plans sold in Massachusetts include coverage for annual PAP tests and mammograms.
Foreign Emergency Care: The care you receive in a foreign country to treat an emergency condition.
There is a lifetime benefit maximum of $50,000.
Medicare Advantage Plans
The AARP® MedicareComplete® plans are insured through UnitedHealthcare. Many preventive services are covered, including annual physicals and flu shots, for a $0 co-pay. All plans include urgent care and worldwide emergency coverage, and most include prescription coverage for thousands of drugs. Some plans also have no additional monthly premium beyond what you already pay for Part B.
Medicare Supplement Insurance Plans
Medicare Prescription Drug Plans
The AARP® MedicareRx Plans are prescription drug plans (Part D) insured or covered by UnitedHealthcare. They feature a drug list that includes thousands of covered drugs, co-pays as low as $11 through the Preferred Retail Pharmacy Network, and access to 65,000+ standard network pharmacies. A Preferred Mail Service Pharmacy offers additional savings and convenience.2 1$1 co-pay applies to Tier 1 preferred retail pharmacy prescriptions. Co-pays may vary by state. 2Not all plans available in all areas. The Preferred Mail Service Pharmacy and Preferred Retail Pharmacy Network are not available for the 2014 or 2015 AARP MedicareRx Preferred (PDP) plan in the following territories: Guam, American Samoa, U. S. Virgin Islands or Northern Mariana Islands. Co-pays apply after deductible.
2011 AARP® MedicareRx Preferred (PDP)
2011 AARP® MedicareRx Enhanced (PDP)
Drug List
A list of drugs covered by your Medicare Part D plan. A drug list may also be referred to as a covered medications list (CML), a preferred drug list (PDL), a select drug list or a formulary. These drugs are dispensed through participating pharmacies to covered members. Drug lists may differ between Medicare prescription drug plans.
You may want to carefully weigh the differences in drug lists against the plan costs and other features when choosing a plan that may best meet your needs. A drug list may change during the year.
Nationwide, more people are enrolled in an AARP Medicare Supplement Insurance Plan F than any other AARP Medicare Supplement plan option. For complete information, please visit www.uhcmedsupstats.com.
Nationwide, more people are enrolled in an AARP Medicare Supplement Insurance Plan F than any other AARP Medicare Supplement plan option. For complete information, please visit www.uhcmedsupstats.com.
Nationwide, more people are enrolled in an AARP Medicare Supplement Insurance Plan F than any other AARP Medicare Supplement plan option. For complete information, please visit www.uhcmedsupstats.com.
Payment Status
Paid status indicates your premium payment has been received and processed or you have no payment due. Unpaid status indicates your premium payment has not been received and processed.
If your status is Unpaid, this means your Social Security deduction, coupon or Electronic Funds Transfer (EFT) payment have not been received or are still being processed. For Social Security deductions, please allow up to 6 weeks from the date of payment. Coupon book payments are typically processed within a week of receipt. EFT payments are processed on the 5th of each month.
Monthly Payment Amount
This is the amount of your current monthly premium payment. Some plans do not have a Premium and reflect an Amount Due of $0.
If you are a Medicare Advantage or Medicare Advantage - Prescription Drug plan member and have any optional supplemental benefits (riders) on your plan, these payments are also included in your Amount Due.
To find past due payments, use the "search all payments" button.
Annual Deductible Stage
The Annual Deductible Stage applies when your plan has an annual deductible, in which case you (or others on your behalf) will pay your drug costs up to the amount of the deductible.
Initial Coverage
In the Initial Coverage Stage, you (or others on your behalf) will pay a co-pay or co-insurance each time you fill a prescription, and the plan pays the rest. When your total drug costs — paid by you (or others on your behalf) and the plan reach $2,930, you then move to the Coverage Gap Stage.
Initial Coverage
In the Initial Coverage Stage, you (or others on your behalf) will pay a co-pay or co-insurance each time you fill a prescription, and the plan pays the rest. You generally stay in this stage until the amount of your year-to-date "out-of-pocket costs" reaches $4,700.
Initial Coverage
In the Initial Coverage Stage, you (or others on your behalf) will pay a co-pay or co-insurance each time you fill a prescription, and the plan pays the rest. When your total drug costs - paid by you (or others on your behalf) and the plan reach $2,930, you then move to the Coverage Gap Stage.
Initial Coverage
In the Initial Coverage Stage, you (or others on your behalf) will pay a co-pay or co-insurance each time you fill a prescription, and the plan pays the rest. When your total drug costs - paid by you (or others on your behalf) and the plan reach $2,960, you then move to the Coverage Gap Stage.
Initial Coverage
In the Initial Coverage Stage, you (or others on your behalf) will pay a co-pay or co-insurance each time you fill a prescription, and the plan pays the rest. When your total drug costs - paid by you (or others on your behalf) and the plan reach $2,850, you then move to the Coverage Gap Stage.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay 50% of your brand name prescription drug costs (plus the dispensing fee) and the majority of the costs for your generic prescription drugs until the total amount you (or others on our behalf) have paid reaches $4,700 in year-to-date out-of-pocket costs.
Always use your member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay no more than 86% of the price for generic drugs or 50% of the price (plus the dispensing fee) for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,700 in year-to-date out-of-pocket costs.
You may pay less if your plan has additional coverage in the gap.
Always use your Medicare Advantage member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay no more than 72% of the total cost for generic drugs or 47.5% of the total cost for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,550 in year-to-date out-of-pocket costs.
You may pay less if your plan has additional coverage in the gap.
Always use your Medicare prescription drug plan member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay no more than 65% of the total cost for generic drugs or 45% of the total cost for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,700 in year-to-date out-of-pocket costs.
You may pay less if your plan has additional coverage in the gap.
Always use your Medicare prescription drug plan member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
Your plan provides coverage in the coverage gap for all Tier 1 and Tier 2 drugs, and select Tier 3, 4, and 5 brand name drugs. In addition, during the Coverage Gap Stage, you (or others on your behalf) will pay no more than 72% of the total cost for generic drugs or 47.5% of the total cost for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,550 in year-to-date out-of-pocket costs.
Always use your Medicare prescription drug plan member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay no more than 65% of the total cost for generic drugs or 45% of the total cost for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,700 in year-to-date out-of-pocket costs.
You may pay less if your plan has additional coverage in the gap.
Always use your Medicare Advantage member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay no more than 79% of the total cost for generic drugs or 47.5% of the total cost for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,750 in year-to-date out-of-pocket costs.
You may pay less if your plan has better coverage in the gap.
Always use your Medicare Advantage member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Coverage Gap
During the Coverage Gap Stage, you (or others on your behalf) will pay no more than 72% of the total cost for generic drugs or 47.5% of the total cost for brand name drugs, for any drug tier until the total amount you (or others on your behalf) have paid reaches $4,550 in year-to-date out-of-pocket costs.
You may pay less if your plan has additional coverage in the gap.
Always use your Medicare Advantage member ID card during the coverage gap to get the plan's discounted drug rates. The money you spend using your card counts toward your out-of-pocket costs.
Catastrophic Coverage
You enter the Catastrophic Coverage Stage after $4,700 is reached (excluding premiums), you will have to pay only one of the following through the end of the year: $2.60 co-pay for generic drugs, $6.50 co-pay for brand name drugs or a 5% co-insurance, whichever is greater. On January 1 each year, the four drug payment stages start over.
Catastrophic Coverage
You enter the Catastrophic Coverage Stage after $4,700 is reached (excluding premiums), you will have to pay only one of the following through the end of the year: $2.65 co-pay for generic drugs, $6.60 co-pay for brand name drugs or a 5% co-insurance, whichever is greater. On January 1 each year, the four drug payment stages start over.
Catastrophic Coverage
You enter the Catastrophic Coverage Stage after $4,750 is reached (excluding premiums), you will have to pay only one of the following through the end of the year: $2.65 co-pay for generic drugs, $6.60 co-pay for brand name drugs or a 5% co-insurance, whichever is greater. On January 1 each year, the four drug payment stages start over.
Catastrophic Coverage
You enter the Catastrophic Coverage Stage after $4,550 is reached (excluding premiums), you will have to pay only one of the following through the end of the year: $2.55 co-pay for generic drugs, $6.35 co-pay for brand name drugs or a 5% co-insurance, whichever is greater. On January 1 each year, the four drug payment stages start over.
View details
See how much you've spent to date on prescription drugs as well as your out-of-pocket costs. Learn what coverage stage you're in and where you are relative to the coverage gap.
Monthly Payment Amount
This is the amount of your current monthly premium payment. Some plans do not have a Premium and reflect an Amount Due of $0.
If you are a prescription drug plan member and are paying a Late Enrollment Penalty (LEP), this amount is included in your Amount Due.
To find past due payments, use the "search all payments" button.
Total amount due
IMPORTANT NOTE: Your premium applies to your entire household. It includes not only payment amounts for Medicare Supplement insurance programs you are registered for, but may also include required payment amounts for other members of your household as well.
View previous year's details
See how much you spent on prescription drugs last year as well as your out-of-pocket costs.
Deductible
The pre-set, fixed amount you must pay for healthcare or prescription drug costs before the insurance company or Medicare begins to pay.
Limited Access (LA)
Drugs are considered "limited-access" if the FDA says the drug can be given out only by certain facilities or doctors. These drugs may require extra handling, provider coordination or patient education that can't be done at a network pharmacy.
Prior Authorization (PA)
The plan requires you or your doctor to get prior authorization for certain drugs. This means the plan needs more information from your doctor to make sure the drug is being used correctly for a medical condition covered by Medicare. If you don't get approval, the plan may not cover the drug.
Quantity Limits (QL)
The plan will cover only a certain amount of this drug for one co-pay or over a certain number of days. These limits may be in place to ensure safe and effective use of the drug. If your doctor prescribes more than this amount or thinks the limit is not right for your situation, you and your doctor can ask the plan to cover the additional quantity.
Step Therapy (ST)
There are effective, lower-cost drugs that treat the same medical condition as this drug. You may be required to try one or more of these other drugs before the plan will cover your drug. If you have already tried other drugs or your doctor thinks they are not right for you, you and your doctor can ask the plan to cover this drug.
Total drug costs
The amount you (or others on your behalf) pay plus the amount the plan pays starting January 1. Premiums are not included in total drug costs.
