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AARP Medicare Advantage from UHC VA-0006 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC VA-0006 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage from UHC VA-0006 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC VA-0006 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Virginia. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC VA-0006 (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage from UHC VA-0006 (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For AARP Medicare Advantage from UHC VA-0006 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $520.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The AARP Medicare Advantage from UHC VA-0006 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for both one-month and three-month supplies at standard pharmacies or via mail order. Tier 2 generic drugs are available with no copay for a three-month supply through preferred mail order, while standard pharmacies charge a $14 copay for a one-month supply. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacies and mail order deliveries. Higher-tier medications incur coinsurance costs, with Tier 4 non-preferred drugs requiring 39% coinsurance and Tier 5 specialty drugs requiring 27% coinsurance for a one-month supply. This structure helps beneficiaries understand their out-of-pocket prescription costs when choosing this Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0006 (PPO) offers affordable medical coverage featuring no copay and no coinsurance for primary care visits, telehealth services, and annual physicals. Specialist doctor visits require a copay ranging from $0 to $55, while emergency room care carries a $115 copay that is waived if you are admitted. For inpatient hospital stays, you will pay a $485 daily copay for the first five days of acute care, with no copay for additional days. Ancillary benefits include routine dental exams, annual hearing exams, and yearly vision exams with no copay, plus up to a $300 allowance every two years for eyewear. Members also benefit from no copay on home health services and over-the-counter items. For medical equipment and dialysis services, the plan requires a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC VA-0006 (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. You will pay a $485 daily copay for days 1-5 of acute stays (with no copay for days 6 and beyond) and days 1-4 of psychiatric stays (with no copay for days 5-90), while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage from UHC VA-0006 (PPO) are covered with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $485, observation services carry a $485 daily copay, and outpatient substance abuse sessions have a copay ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Additional services like physical therapy require a $50 copay and occupational therapy is a $30 copay, both with no coinsurance, though routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC VA-0006 (PPO) with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney disease education. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers one routine hearing exam per year with no copay and no coinsurance, subject to prior authorization. Hearing aid fittings and evaluations, prescription hearing aids, and over-the-counter (OTC) hearing aids are not covered under this plan.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC VA-0006 (PPO) with no coinsurance, offering no copay for one routine eye exam per year and up to a $300 allowance every two years for eyewear. Covered eyewear includes contact lenses and frames with no copay, and eyeglass lenses with a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) partially covers dental services, offering preventive care such as cleanings, exams, fluoride, and dental x-rays with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but comprehensive services like restorative care, endodontics, periodontics, prosthodontics, implants, and oral surgery are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC VA-0006 (PPO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other infusion drugs have no copay and a 0% to 20% coinsurance, while covered Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC VA-0006 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, while diabetic therapeutic shoes and inserts carry a 20% coinsurance. Prior authorization is required for these covered services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers diagnostic and radiological services, though prior authorization is required. Diagnostic tests have a $45 copay with no coinsurance, lab and diagnostic radiology services have no copay and no coinsurance, outpatient X-rays require a $30 copay with coinsurance, and therapeutic radiology requires a copay and 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC VA-0006 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific sub-services such as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC VA-0006 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100.
Other Services See details
AARP Medicare Advantage from UHC VA-0006 (PPO) partially covers Other Services, as acupuncture is not covered. Under this benefit, over-the-counter items and chronic illness meal benefits (prior authorization required) are covered with no copay and no coinsurance.
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