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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 2026, 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 4.5 out of 5 stars in 2026.
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 $255.00. 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 $600.00 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) features an enhanced alternative drug benefit with an annual prescription drug deductible of $600.00. During the initial coverage phase, standard pharmacy costs include an $8.00 copay for Tier 1 preferred generics and a 17% coinsurance for Tier 2 standard generics. Tier 3 preferred brands and Tier 4 non-preferred drugs require a 45% and 26% coinsurance, respectively, for standard pharmacies and mail-order services. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase where there is no copay for covered Part D prescription drugs. Additionally, beneficiaries who qualify for the low-income subsidy will see their Part D premium reduced from $161.10 to $136.50. This plan provides clear cost-sharing phases to help you manage your prescription expenses throughout the year.
Additional Benefits
The AARP Medicare Advantage Access from UHC VA-20 (PPO) plan offers robust coverage with no copay and no coinsurance for a wide range of essential services. Members can access inpatient and outpatient hospital care, emergency and urgent services, primary and specialist visits, and diagnostic testing at no cost. Additionally, medical equipment, home health services, and skilled nursing facility stays for the first 100 days are fully covered with no copay or coinsurance. For specialty benefits, the plan provides dental, vision, and hearing coverage, though some out-of-pocket costs may apply. Preventive dental, routine eye exams, and annual hearing exams feature no copay, while comprehensive dental requires a 50% coinsurance and prescription hearing aids require copays. Other services, such as dialysis and certain Part B drugs, require a 20% coinsurance, and Part B insulin is capped at a $35 copay.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan, which features no copay and no coinsurance for Medicare-covered acute and psychiatric stays. However, the plan does not cover upgrades or non-Medicare-covered stays for acute care, nor does it cover additional days or non-Medicare-covered stays for psychiatric care.
Outpatient Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) covers outpatient services, including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and blood services, with no copay and no coinsurance. Prior authorization is required for most of these covered services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered under the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan with no copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) covers ground and air ambulance services with no copay and no coinsurance, although prior authorization is required. Transportation services to plan-approved locations and any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Access from UHC VA-20 (PPO) with no copay and no coinsurance. This coverage includes urgently needed services, worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation, all of which also require no copay or coinsurance.
Primary Care See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) covers primary care, specialist visits, mental health, therapies, and telehealth with no copay and no coinsurance. Chiropractic services are partially covered under this benefit, with routine chiropractic care being excluded from coverage.
Preventive Services See details
Preventive Services are partially covered under the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan, featuring no copays or coinsurance for covered benefits like annual physicals, fitness benefits, and kidney disease education. Excluded from coverage are health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, and additional smoking cessation.
Hearing Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) provides partially covered hearing services, including one routine hearing exam per year with no copay or coinsurance. Up to two prescription or OTC hearing aids are covered annually with copays ranging from $199 to $1,249 and no coinsurance, while fitting/evaluation exams and inner ear, outer ear, or over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Access from UHC VA-20 (PPO), with upgrades and combined eyeglasses (lenses and frames) being excluded from coverage. Covered services feature no coinsurance, with no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses, up to a combined $250 eyewear allowance every two years.
Dental Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) dental services are partially covered up to a $1,500 annual maximum, though implant services and orthodontics are not covered. Covered preventive and diagnostic services require no copay and no coinsurance, while covered comprehensive dental services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Access from UHC VA-20 (PPO) with prior authorization required. Covered Part B chemotherapy, radiation, and other drugs require no copay and no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) covers dialysis services with a 20% coinsurance and no copay. Prior authorization is required for these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Access from UHC VA-20 (PPO) with no copay and no coinsurance. This benefit includes durable medical equipment, prosthetics, medical supplies, and diabetic equipment, all of which require prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Access from UHC VA-20 (PPO) with no copay and no coinsurance. Covered benefits include diagnostic procedures, lab services, diagnostic and therapeutic radiology, and outpatient X-rays, all of which require prior authorization.
Home Health Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Access from UHC VA-20 (PPO) plan, as all sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered. Consequently, there are no copays or coinsurance for these services under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage Access from UHC VA-20 (PPO) with no copay and no coinsurance for days 1 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Access from UHC VA-20 (PPO) partially covers Other Services, offering a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture, Over-the-Counter (OTC) items, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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