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AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC VA-13 (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 Giveback from UHC VA-13 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC VA-13 (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 Giveback from UHC VA-13 (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 Giveback from UHC VA-13 (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 Giveback from UHC VA-13 (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. Additionally, this plan comes with a Part B Premium reduction of $85.00. You must continue to pay paying your reduced 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 $600.00 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 $8900.00 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 Giveback from UHC VA-13 (HMO-POS) prescription drug plan features an annual drug deductible of $600. Tier 1 preferred generic drugs are highly affordable, requiring no copay for standard pharmacy and mail-order fills. Tier 2 generic drugs cost a $14 copay for a 1-month standard supply, but you can save with no copay on a 3-month supply through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 30% coinsurance. Specialty drugs in Tier 5 require a 26% coinsurance for a 1-month supply at both standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth, and annual preventive physicals. For inpatient hospital stays, members pay a daily copay of $460 for the first four days and no copay for days five through 90, with no coinsurance required. Emergency room visits carry a $115 copay, which is waived if admitted, while urgent care visits require a copay ranging from no copay to $40. Specialist visits require a copay ranging from no copay to $55, while routine vision and hearing exams are covered with no copay. Covered dental care and durable medical equipment generally require no copay but carry a 20% coinsurance, while skilled nursing facility stays feature no copay for the first 20 days followed by a $218 daily copay up to day 100. Diagnostic lab services are available with no copay, and home health services are fully covered with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $460 copay per day for days 1 through 4 and no copay for days 5 through 90. While unlimited additional days for acute stays are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers outpatient services with no coinsurance, including outpatient hospital services with copays from no copay to $460 and daily observation services with a $460 copay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from no copay to $25.
Partial Hospitalization See details
The AARP Medicare Advantage Giveback from UHC VA-13 (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 and transportation services are covered by AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with a $270 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $40 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 Giveback from UHC VA-13 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist and therapy copays range from $0 to $55 with no coinsurance. For chiropractic benefits, some services are covered but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and select fitness benefits. However, several additional preventive services, including health education, nutritional/dietary benefits, and in-home safety assessments, are not covered.
Hearing Services See details
Hearing Services are partially covered by the AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with no deductible and no coinsurance. Routine hearing exams are covered with no copay, but fitting and evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered. Covered prescription hearing aids carry a $199.00 to $1,249.00 copay, while OTC hearing aids require a $199.00 to $829.00 copay, with a limit of two devices per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with no deductibles or coinsurance, offering one routine eye exam per year and eyeglass frames or contact lenses with no copay. Eyeglass lenses carry a $0 to $153 copay under a $200 combined maximum eyewear benefit every two years, while other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) partially covers dental services, offering Medicare-covered dental care with no copay and a 20% coinsurance. While comprehensive treatments like restorative, endodontics, periodontics, and oral surgery are covered, routine preventive services (including cleanings, exams, and x-rays), implants, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with no coinsurance and no copay for lab services, while diagnostic tests require a $45 copay. Outpatient X-rays carry a $30 copay, diagnostic radiology starts at a $0 copay, and therapeutic radiology requires a 20% minimum coinsurance, with prior authorization required for these services.
Home Health Services See details
AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) with no copay and no coinsurance, but prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day inpatient hospital stay, though prior authorization is required. You will pay no copay for days 1 through 20 and a $218 copay per day for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS) plan, which offers a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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