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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 2025, 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 2025.
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 $495.00 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-0018 (PPO) plan has a $495 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and the pharmacy you use. For example, you will pay a $14 copay for preferred generic drugs at a standard pharmacy, and $47 for standard generic drugs. For preferred brand drugs, the copay is $100, and non-preferred drugs have a 27% coinsurance. After your total yearly out-of-pocket drug costs reach $2000, you will pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0018 (PPO) plan offers comprehensive coverage, including inpatient hospital stays with a copay, outpatient services with varying copays, and emergency services with a copay. Preventive services, such as an annual physical exam, have no copay, and the plan also covers hearing, vision, and dental services with no copays for exams, but with copays for hearing aids and eyewear. The plan includes additional benefits like home health services with no copay, and covers medical equipment with coinsurance.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care with a copay of $375 for days 1-5 and no copay for days 6-90 for acute care, and a copay of $375 for days 1-4 and no copay for days 5-90 for psychiatric care. Additional days for acute inpatient hospital are covered with no copay, but non-Medicare-covered stays and upgrades are not covered, and additional days for inpatient psychiatric are not covered.
Outpatient Services See details
Outpatient services include coverage for outpatient hospital services with a copay between $0 and $375, observation services with a $375 copay, and ambulatory surgical center services with no copay. Outpatient substance abuse services are covered with a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC VA-0018 (PPO) plan, but requires prior authorization. The copay for this benefit is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC VA-0018 (PPO), including both ground and air ambulance services, each with a copay of $290 and no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including urgently needed services and worldwide emergency services, are covered by AARP Medicare Advantage from UHC VA-0018 (PPO). Emergency services have a $110 copay, while urgently needed services have a copay between $0 and $45. Worldwide emergency services have a copay, and worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation have no copay.
Primary Care See details
Primary Care benefits include coverage for Primary Care Physician Services with no copay, Chiropractic Services with a $15 copay (prior authorization required), Occupational Therapy Services with a copay between $0 and $20 (prior authorization required), Physician Specialist Services with a copay between $0 and $40 (prior authorization required), Mental Health Specialty Services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions (prior authorization required), Podiatry Services with a $30 copay (prior authorization required), Other Health Care Professional with a copay between $0 and $40 (prior authorization required), Psychiatric Services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions (prior authorization required), Physical Therapy and Speech-Language Pathology Services with a copay between $0 and $35 (prior authorization required), Additional Telehealth Benefits with no copay, and Opioid Treatment Program Services with no copay (prior authorization required). Routine Chiropractic Care is not covered.
Preventive Services See details
Preventive services include coverage for Medicare-covered services and additional services, such as an annual physical exam with no copay. Additional preventive services like health education, in-home safety assessment, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are limited to 1 per year. Prescription hearing aids are covered with a copay between $199 and $1249, and OTC hearing aids are covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision Services includes coverage for eye exams with no copay, and for eyewear with no copay. Eyeglass lenses have a copay between $0 and $153, while eyeglass frames have no copay. Contact lenses, routine eye exams, and eyeglass frames are covered with no copay, while eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services include coverage for oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, and other preventive dental services with no copay, but other diagnostic dental services are offered as an optional supplemental benefit. Medicare Dental Services have a 20% coinsurance, and orthodontic, restorative, and other dental services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. Medicare Part B Insulin Drugs have a $35 copay, with a coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC VA-0018 (PPO) plan. You will pay 20% coinsurance for these services, and prior authorization is required.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance for Medicare-covered devices and supplies, and Diabetic Equipment, including Diabetic Supplies with no copay and Diabetic Therapeutic Shoes/Inserts with 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under this plan. Diagnostic Procedures/Tests have a $50 copay, while Lab Services have no copay; Diagnostic Radiological Services have a copay up to $225, and Outpatient X-Ray Services have a $25 copay. Therapeutic Radiological Services have a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC VA-0018 (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the 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 for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC VA-0018 (PPO) plan, with prior authorization required. You will have no copay for days 1-20, and a $203 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services include a meal benefit with no copay, but acupuncture, over-the-counter items, 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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