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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 drug deductible of $440. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay when using preferred mail order. Tier 3 preferred brand drugs require a 15% coinsurance across standard pharmacies and mail order options. Non-preferred drugs in Tier 4 carry a 39% coinsurance, while Tier 5 specialty drugs require a 28% coinsurance for a 1-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 comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth, and preventive services. For hospital care, inpatient stays require a $395 daily copay for the first few days with no coinsurance, while emergency room visits carry a $130 copay. Outpatient services and diagnostic labs are highly accessible, often requiring no copay or low copays with no coinsurance. Routine dental, vision, and hearing exams are covered with no copay, though specialized treatments like comprehensive dental care or medical equipment require a 20% to 50% coinsurance. Prescription hearing aids and eyewear are partially covered with specific copays and allowance limits, and skilled nursing facility stays feature no copay for the first 20 days. Additionally, the plan includes valuable extra benefits such as over-the-counter items and home health services with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1 through 6 of acute stays and days 1 through 5 of psychiatric stays, with no copay for subsequent days. Hospital upgrades, non-Medicare-covered stays, and additional inpatient psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services at no copay. Outpatient hospital copays range from $0 to $395, observation services cost a $395 daily copay, and outpatient substance abuse sessions carry a $0 to $25 copay, with prior authorization required for most services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required to receive 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, requiring prior authorization. Transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a $0 to $50 copay 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-0011 (HMO-POS) covers primary care, telehealth, and opioid treatment services with no copay and no coinsurance. Specialist visits, mental health, and therapy services are covered with copays ranging from $0 to $45 and no coinsurance, though chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and glaucoma screenings. Sub-services not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, counseling, telemonitoring, and remote access technologies.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS), featuring no copay and no coinsurance for one routine annual hearing exam, though fitting and evaluation services are not covered. The plan also covers up to two prescription or OTC hearing aids per year with no coinsurance, with copays ranging from $199.00 to $1,249.00 for prescription aids and $199.00 to $829.00 for OTC devices, excluding inner, outer, and over-the-ear prescription models.
Vision Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers annual routine eye exams and eyewear with no coinsurance and generally no copay, though eyeglass lenses may require a copay between $0 and $153. Covered eyewear, including contact lenses and frames, is subject to a $150 combined maximum limit every two years, while other eye exams, upgrades, and combined 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), with implant services and orthodontics excluded from coverage. Preventive and diagnostic services feature no copay and no coinsurance up to a $1,000 annual limit, while covered comprehensive services require no copay and 50% coinsurance, and Medicare-covered dental services have no copay and 20% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
Medical equipment covered by AARP Medicare Advantage from UHC VA-0011 (HMO-POS) includes durable medical equipment (DME), prosthetics, and diabetic supplies with no copay and a 20% coinsurance. Diabetic therapeutic shoes and inserts are also covered with a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. There is no copay for lab services, while members pay a $30 copay for outpatient X-rays, a $50 copay for diagnostic tests, a $60 copay for therapeutic radiology, and diagnostic radiology copays starting at $0.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC VA-0011 (HMO-POS) plan 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-0011 (HMO-POS) plan, as intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are all excluded from coverage.
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, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC VA-0011 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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