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AARP Medicare Advantage from UHC VA-0014 (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-0014 (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-0014 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC VA-0014 (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-0014 (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-0014 (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-0014 (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 $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 $7900.00 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-0014 (HMO-POS) plan features an annual prescription drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for standard pharmacy refills or mail-order options. Tier 2 generic drugs require a $14 copay for a 1-month supply at standard pharmacies, though you can receive a 3-month supply with no copay through preferred mail order. For Tier 3 preferred brand drugs, the plan charges a 15% coinsurance at standard pharmacies and through mail order. Non-preferred Tier 4 drugs carry a 39% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC VA-0014 (HMO-POS) offers robust healthcare coverage with no copay and no coinsurance for primary care, telehealth, and annual preventive exams. Specialist visits require a low copay ranging from $0 to $45, while inpatient hospital care requires a $475 daily copay for days one through four and no copay for days five through ninety. Emergency room visits feature a $115 copay that is waived upon admission, alongside urgent care visits that carry a copay of $0 to $40. For supplemental care, the plan provides routine dental, vision, and hearing exams with no copay, though comprehensive dental services are not covered. Prescription and over-the-counter hearing aids are available with copays and no coinsurance, while durable medical equipment and dialysis require a twenty percent coinsurance. Additionally, skilled nursing facility stays feature no copay for the first twenty days, and home health services are fully covered with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage from UHC VA-0014 (HMO-POS) with no coinsurance, requiring a copay of $475 per day for days 1 to 4 and no copay for days 5 to 90. Additional days for acute stays are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers outpatient hospital services with no coinsurance and copays ranging from $0 to $475, alongside observation services with a $475 daily copay and no coinsurance. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from $0 to $25 depending on the session.
Partial Hospitalization See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. Although transportation benefits state some services are covered, transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature 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 from UHC VA-0014 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits, physical therapy, and mental health services require copays ranging from $0 to $45 and no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, as routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, select screenings, and a fitness benefit, with no copay and no coinsurance. However, these benefits are only partially covered, as various supplemental services such as health education, nutritional therapy, and in-home support are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC VA-0014 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance. Prescription hearing aids carry a copay of $199.00 to $1,249.00 and OTC hearing aids have a copay of $199.00 to $829.00, both with no coinsurance for up to two devices per year. However, fitting and evaluation for hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC VA-0014 (HMO-POS) with no deductibles or coinsurance, offering no copay for routine eye exams and contact lenses. Eyeglass frames and lenses are covered with a $0 to $153 copay for lenses up to a $300 combined limit every two years, but other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) partially covers dental services, providing Medicare-covered dental with no copay and 20% coinsurance, and preventive services with no copay and no coinsurance. However, comprehensive services such as restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC VA-0014 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B drugs, such as chemotherapy and insulin, feature coinsurance ranging from no coinsurance to 20% coinsurance, with insulin also carrying a $35 copay.
Dialysis Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with 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 most equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) covers diagnostic services with no coinsurance, offering lab services with no copay and diagnostic procedures for a $40 copay. Radiological services are also covered with prior authorization, featuring outpatient X-rays for a $30 copay, diagnostic radiology with copays starting at $0, and therapeutic radiology with a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC VA-0014 (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-0014 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. While some services are covered, 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) services are covered by AARP Medicare Advantage from UHC VA-0014 (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 standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC VA-0014 (HMO-POS) partially covers other services, featuring a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan benefit.
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