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AARP Medicare Advantage from UHC VA-0018 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC VA-0018 (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-0018 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC VA-0018 (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 2026.
It's important to know that AARP Medicare Advantage from UHC VA-0018 (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-0018 (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-0018 (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-0018 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for standard pharmacy and mail-order options. Tier 2 generic drugs cost a $14 copay for a 1-month standard pharmacy supply, though you can get a 3-month supply with no copay through preferred mail order. Higher-tier medications under this plan require coinsurance rather than flat copayments. Tier 3 preferred brand drugs carry a 15% coinsurance, while Tier 4 non-preferred drugs require 35% coinsurance for a 1-month supply. Specialty drugs in Tier 5 have a 27% coinsurance for a 1-month supply through standard pharmacies or mail order.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0018 (PPO) offers robust medical coverage with no copay for primary care visits, telehealth, and routine preventive care. For specialist visits and urgent care, copays range from $0 to $40, while emergency room visits carry a $115 copay that is waived upon hospital admission. Inpatient hospital stays require a $485 daily copay for the first four days, after which there is no copay for days five through ninety. This plan also features dental, vision, and hearing coverage, including no copay for routine exams and preventive dental care. Vision benefits include a $300 eyewear allowance every two years, while comprehensive dental services are covered with no copay and a 50% coinsurance up to a $1,500 annual maximum. Additionally, home health services have no copay, though durable medical equipment and dialysis require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC VA-0018 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $485 daily copay for days 1 through 4 and no copay for days 5 through 90. Unlimited additional acute care days are covered with no copay, while additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $485 for outpatient hospital services and a $485 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require no coinsurance and a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC VA-0018 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC VA-0018 (PPO) 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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC VA-0018 (PPO) provides primary care and telehealth services with no copay and no coinsurance. Specialist visits, mental health sessions, and physical therapies are covered with copays ranging from $0 to $40 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) offers preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and glaucoma screenings. Additional preventive benefits are partially covered, providing fitness benefits and home safety devices with no copay and no coinsurance, while services such as health education, weight management, and nutritional counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC VA-0018 (PPO) with no deductible and no coinsurance. Covered benefits include annual routine hearing exams with no copay, prescription hearing aids with a $199.00 to $1,249.00 copay, and OTC hearing aids with a $199.00 to $829.00 copay; however, hearing aid evaluations or fittings and inner ear, outer ear, or over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) vision services are partially covered, featuring no copay and no coinsurance for annual routine eye exams, contact lenses, and frames. Eyeglass lenses require a $0 to $153 copay with no coinsurance under a combined $300 eyewear allowance every two years, though other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) partially covers dental services up to a $1,500 annual maximum, excluding implant services and orthodontics. Preventive dental care is provided with no copay and no coinsurance, while Medicare-covered dental services have no copay and 20% coinsurance, and covered comprehensive services have no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC VA-0018 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other infusion drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC VA-0018 (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 require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC VA-0018 (PPO) with prior authorization required. Lab services and diagnostic radiology require no copay and no coinsurance, while diagnostic procedures have a $45 copay with no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC VA-0018 (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 under the AARP Medicare Advantage from UHC VA-0018 (PPO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered. While the plan technically lists no coinsurance, none of these specific rehabilitation services are covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC VA-0018 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior 3-day hospital stay required. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC VA-0018 (PPO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other supplemental services are not covered, and prior authorization is required for the meal benefit.
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