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AARP Medicare Advantage from UHC VA-0011 (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-0011 (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-0011 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC VA-0011 (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-0011 (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-0011 (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-0011 (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 $440.00 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 $5900.00 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-0011 (HMO-POS) plan features an annual prescription drug deductible of $440. 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 cost a $14 copay for a one-month supply at standard pharmacies, but you can get a three-month supply with no copay when using preferred mail order. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacies and mail-order services. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry higher cost-sharing responsibilities, requiring a 39% and 28% coinsurance respectively for a one-month supply. These structured costs help you plan your prescription expenses under this Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0011 (HMO-POS) plan offers robust medical coverage with affordable out-of-pocket costs, featuring no copay and no coinsurance for primary care, telehealth, and preventive services. For inpatient hospital stays, members pay a $385 copay per day for the first six days and no copay for subsequent days, with no coinsurance. Specialist visits require a copay of $0 to $35, while emergency room visits incur a $130 copay that is waived upon admission. Routine dental, vision, and hearing exams are covered with no copay and no coinsurance, though comprehensive dental services require a 50% coinsurance. For specialized care, diagnostic lab tests, home health, and chronic meal benefits have no copay, while dialysis and durable medical equipment require a 20% coinsurance. Skilled nursing facility care is also covered with no coinsurance, featuring no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $385 copay for days 1 to 6 and no copay for days 7 and beyond. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers outpatient services with no coinsurance, featuring a copay of $0 to $385 for outpatient hospital services and $385 per day for observation services. Ambulatory surgical and blood services are available with no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC VA-0011 (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
Ambulance services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with a $275 copay and no coinsurance for both ground and air transport, though prior authorization is required. Transportation services are not covered under this plan.
Emergency Services See details
Emergency services under the AARP Medicare Advantage from UHC VA-0011 (HMO-POS) plan are covered with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $50 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-0011 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $35 copay and no coinsurance. Physical, occupational, and speech therapies have a $25 copay and no coinsurance, mental health sessions require a $0 to $25 copay with no coinsurance, and chiropractic services are not covered in practice.
Preventive Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, fitness benefits, and kidney disease education. However, this benefit is only partially covered, as sub-services such as health education, in-home safety assessments, and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS), as fitting and evaluation exams, alongside inner ear, outer ear, and over the ear prescription hearing aids, are not covered. Covered benefits include one routine exam per year with no copay and no coinsurance, up to two prescription hearing aids with a $199.00 to $1,249.00 copay and no coinsurance, and up to two OTC hearing aids with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) provides partially covered vision services with no deductible and no coinsurance, including no copay for routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses up to a $300 limit every two years. Other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS), though implant services and orthodontics are not covered. Preventive services have no copay and no coinsurance up to a $1,000 annual limit, while Medicare-covered dental services require a 20% coinsurance and covered comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Under this plan, Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC VA-0011 (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-0011 (HMO-POS) covers medical equipment, including durable medical equipment (DME) and prosthetics, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS), with prior authorization required. Diagnostic tests require a $50 copay and no coinsurance, lab services have no copay and no coinsurance, diagnostic radiology has no copay, outpatient X-rays require a $30 copay, and therapeutic radiology has a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this benefit.
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