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AARP Medicare Advantage from UHC VA-0009 (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-0009 (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-0009 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC VA-0009 (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-0009 (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-0009 (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-0009 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $35.00. 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 $3900.00 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-0009 (HMO-POS) plan features an annual drug deductible of $355. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs require an $8 copay for a 1-month supply at standard pharmacies, but you can receive a 3-month supply with no copay when using preferred mail order. For higher-tier medications, costs are based on coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs carry a 19% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs require 39% and 29% coinsurance respectively for a 1-month supply at standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0009 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, telehealth, and annual preventive services. Specialized care, including specialist visits and physical therapy, is highly affordable with copays ranging up to $25 and no coinsurance. Routine dental, vision, and hearing exams are also covered with no copay, alongside allowances for eyewear and prescription hearing aids. For major medical needs, inpatient hospital stays require a $275 daily copay for the first six days and no copay thereafter, while emergency room visits carry a $150 copay that is waived upon admission. Diagnostic lab services, home health care, and cardiac rehabilitation are available with no copay, while dialysis and durable medical equipment require a 20% coinsurance. Additionally, the plan provides convenient extra benefits like over-the-counter items and chronic illness meal deliveries with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $275 daily copay for days 1 through 6 and no copay for days 7 through 90 for acute and psychiatric stays. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS) with no coinsurance, featuring a copay of $0 to $275 for outpatient hospital services and a $275 daily copay for observation services. There is no copay and no coinsurance for ambulatory surgical center and outpatient blood services, while outpatient substance abuse sessions have no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) covers partial hospitalization services 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-0009 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. While some transportation services are covered, transportation to plan-approved or any other health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS) with a $150 copay, which is waived if you are admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay ranging from $0 to $65 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits and physical, occupational, and speech therapies require copays ranging from $0 to $25 and no coinsurance. Mental health, psychiatric, and podiatry services are also covered with copays up to $25 and no coinsurance, though chiropractic services are not covered in practice.
Preventive Services See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive services are partially covered, offering fitness benefits and home safety devices with no copay, while sub-services such as health education, nutritional benefits, and weight management programs are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) partially covers hearing services, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Covered prescription hearing aids (up to two per year) carry no coinsurance and a $199 to $1,249 copay, while OTC hearing aids have a $199 to $829 copay and no coinsurance, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS) with no coinsurance or deductibles, offering one routine eye exam per year with no copay, though other eye exams are not covered. Eyewear is covered up to a $300 combined maximum every two years with no copay for contacts and frames and a $0 to $153 copay for lenses, while upgrades and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS), excluding implant services and orthodontics. Preventive and diagnostic dental services feature no copay and no coinsurance up to a $5,000 annual maximum, while Medicare-covered services require no copay and a 20% coinsurance, and other covered comprehensive services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS), including durable medical equipment, prosthetics, and medical supplies which require 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 benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) covers diagnostic and radiological services, requiring prior authorization. Diagnostic tests have a $50 copay and lab services have no copay, both with no coinsurance. Outpatient X-rays require a $25 copay, diagnostic radiology has no copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC VA-0009 (HMO-POS) with no copay and no coinsurance, requiring prior authorization. In practice, only some services are covered as standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) covers Skilled Nursing Facility (SNF) care with no coinsurance and does not require a prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required, while days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC VA-0009 (HMO-POS) offers other services that are partially covered, including 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 for the meal benefit.
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