AARP Medicare Advantage from UHC NE-0002 (PPO) in Mills County, Iowa — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
AARP Medicare Advantage from UHC NE-0002 (PPO) (H1278-020) is a $30-premium Medicare Advantage PPO from UnitedHealth Group, Inc. available in Mills County, Iowa in 2026, with a 3.5-star overall rating, a $4,900 in-network out-of-pocket maximum, and a $520 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | UnitedHealth Group, Inc. |
|---|---|
| Plan name | AARP Medicare Advantage from UHC NE-0002 (PPO) |
| Contract ID | H1278 |
| Plan ID | 020 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | PPO |
| SNP | No |
| Monthly consolidated premium | $30.00 |
| Part C premium | $0.00 |
| Part D basic premium | $30.00 |
| Part D total premium | $30.00 |
| Annual Part D deductible | $520.00 |
| Maximum out-of-pocket (in-network) | $4900.00 |
| Overall star rating | 3.5 |
How this plan is structured
- $30 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- PPO plan type. Plan-type rules determine in-network use and referrals. See how Medicare Advantage HMO and PPO plans differ.
- $4,900 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Mills County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Mills County
The CMS CY2026 Landscape file lists 37 Medicare Advantage plans in Mills County, Iowa, of which 3 carry a 5.0-star overall rating and 19 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $155.00 per month, and in-network out-of-pocket maximums range from $2750.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in Mills County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| DEVOTED C-SNP PLUS 036 IA (HMO C-SNP) | Devoted Health, Inc. | $41.50 | $9250.00 |
| DEVOTED CORE 034 IA (HMO) | Devoted Health, Inc. | $0.00 | $3900.00 |
| DEVOTED GIVEBACK 035 IA (HMO) | Devoted Health, Inc. | $0.00 | $7000.00 |
For the full county plan directory, see all Medicare plans in Mills County, Iowa.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H1278-020.
- Call the plan (UnitedHealth Group, Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H1278-020 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H1278-020, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 1278 are the contract number issued to the organization, and the three-digit 020 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is AARP Medicare Advantage from UHC NE-0002 (PPO) an HMO or PPO?
AARP Medicare Advantage from UHC NE-0002 (PPO) is a PPO Medicare Advantage plan.
Does AARP Medicare Advantage from UHC NE-0002 (PPO) include prescription drug coverage?
Yes — AARP Medicare Advantage from UHC NE-0002 (PPO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $520.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for AARP Medicare Advantage from UHC NE-0002 (PPO)?
The 2026 in-network maximum out-of-pocket limit for AARP Medicare Advantage from UHC NE-0002 (PPO) is $4900.00, per the CMS CY2026 Landscape file.
What counties offer AARP Medicare Advantage from UHC NE-0002 (PPO) (H1278-020)?
AARP Medicare Advantage from UHC NE-0002 (PPO) (H1278-020) is offered in eight Iowa counties: Cass County, Fremont County, Harrison County, Mills County, Montgomery County, Page County, Pottawattamie County, and Shelby County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.