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AARP Medicare Advantage Access from UHC VA-20 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Access from UHC VA-20 (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 Access from UHC VA-20 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Access from UHC VA-20 (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 Access from UHC VA-20 (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 Access from UHC VA-20 (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 Access from UHC VA-20 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $247.00. 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 $570.00 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 $3000.00 (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 $3000.00 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 Access from UHC VA-20 (PPO) plan has a $570 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy you use. For example, you will pay an $8 copay for preferred generic drugs at a standard pharmacy, and a $47 copay for standard generic drugs. For preferred and non-preferred brand drugs, you will pay a $100 copay or 26% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage Access from UHC VA-20 (PPO) plan offers comprehensive coverage with no copays for many services, including inpatient and outpatient hospital services, primary care, preventive services, and many dental services. You can also expect no copays for ambulance services, emergency services, and home health services. The plan includes coverage for hearing, vision, and dental. Hearing services include routine exams with no copay, and prescription hearing aids with a copay between $199 and $1249. Vision services include eye exams with no copay and eyewear with no copay for frames and contact lenses. Dental coverage includes a $1500 annual maximum benefit, with no copays for many services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, both with no copay for a Medicare-covered stay; however, Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered. Additional Days for Inpatient Hospital-Acute have no copay.
Outpatient Services See details
Outpatient services, including outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient hospital services, observation services, ambulatory surgical center (ASC) services, and outpatient blood services have no copay, while outpatient substance abuse services have no copay for individual and group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan with no copay. Prior authorization is required for coverage.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan. Ground and Air Ambulance Services have no coinsurance and no copay. 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 the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan. Emergency Services and Urgently Needed Services have no copay and no coinsurance, while Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance.
Primary Care See details
The AARP Medicare Advantage Access from UHC VA-20 (PPO) plan offers primary care services with no copay. Chiropractic services, physician specialist services, and mental health specialty services, including individual and group sessions, all have no copay. Occupational therapy services, physical therapy, and speech-language pathology services are covered with no copay. Podiatry services and other health care professional services have a $0 copay, as do additional telehealth benefits and opioid treatment program services.
Preventive Services See details
The AARP Medicare Advantage Access from UHC VA-20 (PPO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are covered, and the plan covers fitness benefits with no copay. Other services like Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
Hearing Services include routine hearing exams with no copay, and prescription hearing aids (all types) with a copay between $199 and $1249. OTC hearing aids have a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision Services include coverage for eye exams with no copay, and eyewear, including contact lenses, eyeglass lenses, and eyeglass frames. Eyeglass lenses have a copay between $0 and $153, while contact lenses, and eyeglass frames have no copay. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, including Medicare Dental Services with no copay, along with a $1500 annual maximum benefit. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatments, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery are covered with no copay. Prosthodontics (removable and fixed) have a coinsurance between 0% and 50%, and implant and orthodontic services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0-20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0-20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan, but require prior authorization. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with no copay and no coinsurance, and Prosthetics/Medical Supplies and Diabetic Equipment, both of which may have a copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests, lab services, and radiological services. Diagnostic Procedures/Tests and Outpatient X-Ray Services have no copay, while Lab Services have no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Access from UHC VA-20 (PPO) with no copay and no coinsurance, but Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered, but in practice, this plan does not cover any of the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization. There is no copay for days 1-100.
Other Services See details
The AARP Medicare Advantage Access from UHC VA-20 (PPO) plan covers a meal benefit with no copay, but requires prior authorization; all other listed "Other Services" are not covered.
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