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AARP Medicare Advantage from UHC VA-0008 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC VA-0008 (HMO-POS). 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-0008 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) is a HMO-POS 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-0008 (HMO-POS) 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-0008 (HMO-POS).
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-0008 (HMO-POS), 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 $355.00 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 Maximum Out-Of-Pocket cost of $5400.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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-0008 (HMO-POS) prescription drug plan features an annual drug deductible of $355. For Tier 1 preferred generic drugs, you will pay no copay for a one-month or three-month supply at standard pharmacies and through mail order. Tier 2 generic drugs are available with an $8 copay for a one-month supply at standard pharmacies, or with no copay for a three-month supply when using preferred mail order. For brand-name and specialty medications, the plan requires coinsurance instead of a flat copay. Tier 3 preferred brand drugs require a 17% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 40% and 29% coinsurance respectively. These percentage-based costs apply to both standard pharmacy and mail-order prescriptions.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0008 (HMO-POS) plan offers robust medical coverage, featuring no copays for primary care, telehealth, and preventive services. For hospital care, inpatient stays require a $310 daily copay for the first six days and no copay for days 7 through 90, while specialist visits range from no copay to a $30 copay. Outpatient surgical center services and home health care are also covered with no copay or coinsurance. This plan also provides excellent supplemental benefits, including dental coverage up to a $4,000 annual maximum with no copay for preventive care and 50% coinsurance for comprehensive services. Routine vision and hearing exams are covered with no copay, alongside allowances for glasses and copays between $199 and $1,249 for prescription hearing aids. Additionally, members can access over-the-counter items and chronic illness meals with no copay or coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC VA-0008 (HMO-POS) with no coinsurance, requiring a $310 daily copay for days 1 through 6 and no copay for days 7 through 90 for both acute and psychiatric stays. While unlimited additional acute hospital days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC VA-0008 (HMO-POS) with no coinsurance, including no copays for ambulatory surgical center and blood services. Outpatient hospital services require a copay of up to $310, observation services carry a $310 daily copay, and outpatient substance abuse sessions require a copay of up to $25, all with no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage from UHC VA-0008 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with no copay to a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $30 copay with no coinsurance. Physical, occupational, and speech therapies require a $25 copay and no coinsurance, and while some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC VA-0008 (HMO-POS) with no copay and no coinsurance for covered services like annual physicals, fitness benefits, and health screenings. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, therapeutic massage, adult day health, and caregiver support.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC VA-0008 (HMO-POS), providing one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription or OTC hearing aids are covered annually with no coinsurance and copays ranging from $199.00 to $1,249.00, while inner, outer, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) provides partially covered vision services with no coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses up to a $150 allowance every two years. Other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) offers partially covered dental services up to a $4,000 annual maximum, featuring no copay and no coinsurance for preventive care. Medicare-covered dental services require a 20% coinsurance, and covered comprehensive services have a 50% coinsurance with no copays, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B drugs for these services, including chemotherapy, carry no coinsurance to 20% coinsurance, while covered insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) covers diagnostic services with no coinsurance, featuring a $45 copay for tests and no copay for lab services. Covered radiological services require prior authorization and include outpatient x-rays with a $30 copay, diagnostic radiology with no copay, and therapeutic radiology with a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC VA-0008 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under AARP Medicare Advantage from UHC VA-0008 (HMO-POS) with no coinsurance and require prior authorization. However, only some services are covered in practice, as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC VA-0008 (HMO-POS) with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, no prior three-day hospital stay is needed, and additional days beyond the 100-day Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC VA-0008 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required to receive the meal benefit.
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