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AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx VA-MA01 (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 Patriot No Rx VA-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx VA-MA01 (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 Patriot No Rx VA-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx VA-MA01 (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 Patriot No Rx VA-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $150.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) plan offers robust medical coverage with no copay or coinsurance for primary care visits, annual physical exams, and home health services. For specialized medical care, members will pay a $0 to $50 copay for specialist visits, while inpatient hospital stays require a $485 daily copay for the first four days followed by no copay for days five through ninety. Emergency room visits carry a $115 copay, which is waived if you are admitted, and ambulance services require a $290 copay. This plan also features valuable ancillary benefits, including a $1,000 annual limit for dental care with no copay for preventive services and a 50% coinsurance for comprehensive care. Vision and hearing benefits include annual routine exams with no copay, alongside allowances for eyewear and prescription hearing aids. Durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance, ensuring affordable management of chronic conditions.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) with no coinsurance, requiring a $485 daily copay for days 1 through 4 and no copay for days 5 through 90. Prior authorization is required, and while unlimited additional acute days are covered at no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) plan are covered with no coinsurance, though prior authorization is required. Ambulatory surgical center and blood services have no copay, while outpatient hospital services require a copay of $0 to $485, observation services cost $485 per day, and outpatient substance abuse sessions have a copay of $0 to $25 for individual and $15 for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) with a $290 copay and no coinsurance for both ground and air transportation, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) covers emergency services with a $115 copay, which is waived if admitted within 24 hours, and no coinsurance. Urgently needed services carry a copay of $0 to $40 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care services through the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) feature no copay and no coinsurance for primary care visits, telehealth, and opioid treatment. Specialist visits range from a $0 to $50 copay with no coinsurance, therapy services require copays of $35 to $50 with no coinsurance, and chiropractic benefits are partially covered with routine and other chiropractic services not covered.
Preventive Services See details
Preventive Services are partially covered under the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) plan with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, many additional preventive services are not covered, including health education, in-home safety assessments, personal emergency response systems, and nutritional counseling.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) partially covers hearing services, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids (copays of $199 to $1,249) and two OTC hearing aids (copays of $199 to $829) per year with no coinsurance, but inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) plan, which features no deductibles and no coinsurance. Covered benefits include one routine eye exam per year with no copay, and eyewear coverage up to a $150 combined limit every two years with no copay for contact lenses and frames, and a $0.00 to $153.00 copay for lenses; other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO), excluding implant services and orthodontics, up to a $1,000 annual limit. Preventive services are offered with no copay and no coinsurance, while comprehensive services require no copay and a 50% coinsurance, and Medicare-covered dental services have no copay and a 20% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. Associated Part B chemotherapy and other drugs have no copay and range from no coinsurance to 20% coinsurance, while covered insulin has a $35 copay and up to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) with no coinsurance and no copay for lab services, though diagnostic procedures and tests require a $45 copay. Outpatient X-rays have a $30 copay, diagnostic radiology features no copay, and therapeutic radiology services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) with no coinsurance and do not require a prior three-day inpatient hospital stay. Under this plan, there is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required.
Other Services See details
AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO) partially covers other services, offering over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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