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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 2025, 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 out of 5 stars in 2025.
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 $255.00 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 $14000.00 (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 $14000.00 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 has a $255 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For preferred generic drugs at a standard pharmacy, there is no copay. For standard generic drugs at a standard pharmacy, the copay is $47. For preferred brand drugs, the copay is $100, regardless of the pharmacy. Non-preferred drugs have a 30% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0006 (PPO) plan offers a range of benefits, including inpatient and outpatient hospital services, with varying copays depending on the specific service. You will have no copay for primary care physician visits, preventive services, and many other services like hearing exams, vision exams, and home health services. The plan also covers dental services with 20% coinsurance for Medicare dental services, and offers coverage for medical equipment, diagnostic services, and skilled nursing facilities, with some services requiring prior authorization.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care. For acute care, you'll pay a $345 copay for days 1-5, and no copay for days 6-90, with additional days 91-999 covered with no copay; non-Medicare-covered stays and upgrades are not covered. For psychiatric care, you'll pay a $345 copay for days 1-4, and no copay for days 5-90, with additional days and non-Medicare-covered stays not covered.
Outpatient Services See details
Outpatient Services includes coverage for outpatient hospital services with a copay between $0 and $345, observation services with a $345 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and outpatient blood services with no copay. Prior authorization is required for all services.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage from UHC VA-0006 (PPO) plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC VA-0006 (PPO) plan. Ground and Air Ambulance Services have a copay of $290, and there is no coinsurance; however, Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under this plan. Emergency Services have a $110 copay and no coinsurance, while Urgently Needed Services have a copay between $0 and $45 with no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services have no copay. Chiropractic Services have a $15 copay, but routine care is not covered. Occupational Therapy Services have a copay between $0 and $20, while Physician Specialist Services have a copay between $0 and $40. Mental Health Specialty Services have a copay of $0 to $25 for individual sessions and a $15 copay for group sessions. Podiatry Services and Routine Foot Care have a $35 copay. Other Health Care Professional services have a copay between $0 and $40. Psychiatric Services have a copay of $0 to $25 for individual sessions and a $15 copay for group sessions. Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $35. Additional Telehealth Benefits have no copay. Opioid Treatment Program Services have no copay.
Preventive Services See details
Preventive Services, including annual physical exams, are covered with no copay. Additional preventive services include Fitness Benefit, Home and Bathroom Safety Devices and Modifications, Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay.
Hearing Services See details
Hearing Services includes Routine Hearing Exams with no copay for one visit per year and is not subject to a deductible. Fitting/Evaluation for Hearing Aid, Prescription Hearing Aids (all types, inner ear, outer ear, and over the ear), and OTC Hearing Aids are not covered.
Vision Services See details
Vision Services includes coverage for eye exams with no copay, and eyewear benefits with a combined maximum of $300 every two years. Eyeglasses (lenses and frames) and upgrades are not covered, while contact lenses, eyeglass lenses, and eyeglass frames have no copay.
Dental Services See details
Dental Services are covered, with 20% coinsurance for Medicare Dental Services. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, and other preventive dental services have no copay. However, orthodontic services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and oral and maxillofacial surgery are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC VA-0006 (PPO) plan, but require prior authorization. The plan has a coinsurance of 20% for this benefit.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with varying cost sharing. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a $25 copay and lab services with no copay. Diagnostic radiological services have a copay of up to $205, therapeutic radiological services have a copay of $80 or more, and outpatient X-rays have a $15 copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC VA-0006 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered under this plan.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the AARP Medicare Advantage from UHC VA-0006 (PPO) plan, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the AARP Medicare Advantage from UHC VA-0006 (PPO) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The AARP Medicare Advantage from UHC VA-0006 (PPO) plan covers Over-the-Counter (OTC) Items with no copay, and Meal Benefits with no copay, but requires prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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