Medicare Advantage Patriot Plan for Veterans

Exploring the Medicare Advantage Patriot Plan? Designed for veterans, this plan offers tailored healthcare options, excluding prescription drug coverage.

Our guide breaks down the plan’s features, network preferences, and additional benefits to ensure it fits your unique healthcare scenario. Dive into the specifics of the Medicare Advantage Patriot Plan without sifting through complicated details.


Key Takeaways

  • The Medicare Advantage Patriot Plan is designed for veterans and includes comprehensive healthcare services without prescription drug coverage; it offers flexibility and out-of-network service options with certain cost-sharing measures.


  • Additional benefits of the Medicare Advantage Patriot Plan, such as the AARP variant, may offer $0 monthly premiums, comprehensive dental coverage, and require careful review of the ‘Evidence of Coverage’ to understand plan details fully.


  • When comparing Medicare Advantage organizations and plans like the UnitedHealthcare Medicare Advantage Patriot Plan, it’s important to consider provider networks, inpatient and preventive services, and additional services such as mental health support and over-the-counter allowances.

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Understanding the Medicare Advantage Patriot Plan

The Medicare Advantage Patriot Plan is a unique offering from a Medicare Advantage organization, crafted specifically for veterans. However, take into account that the Patriot Plan does not include prescription drug coverage, while it does incorporate cost-sharing with other services.

This plan provides veterans with a unique chance to access comprehensive healthcare services, which guarantees their healthcare needs are adequately met. Whether it’s routine check-ups or specialized care, the Patriot Plan has got you covered.

Understanding the Medicare Advantage Patriot Plan

Prescription Drug Coverage

While the Patriot Plan does not encompass prescription drug coverage, it does offer coverage on par with standard Medicare prescription coverage. Furthermore, there’s no deductible for prescription drug coverage, making it cost-effective for beneficiaries.

However, bear in mind that there might be restrictions and exclusions concerning prescription drug coverage under the Patriot Plan, susceptible to the plan’s contract renewal. This reinforces the need to thoroughly review your plan details to ensure you have the necessary coverage.


Out-of-Network Services

Navigating out-of-network services can often be tricky. Before receiving an out-of-network service under the Patriot Plan, it is recommended that members ask for a pre-service organization determination. This ensures that you know exactly what your coverage entails and helps avoid any unexpected costs.

Remember, when utilizing providers outside of the network, the portion of the expenses for covered services may increase. Therefore, remember these network restrictions when making informed healthcare decisions.

AARP Medicare Advantage Patriot Plan

A notable variant of the Patriot Plan is the AARP Medicare Advantage Patriot No Rx plan. This plan offers the flexibility of accessing network doctors and hospitals with a $0 monthly premium, along with supplementary benefits. It’s a great option for veterans who need comprehensive coverage without the added financial burden.


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In addition to standard benefits, the AARP Patriot Plan also offers coverage for routine dental services, preventive services, and comprehensive dental care, all in addition to the standard Part B premium. This all-encompassing approach guarantees your oral health needs are met, which makes it a compelling choice for comprehensive healthcare coverage.


Covered Dental Services

The AARP Patriot Plan offers comprehensive dental coverage, including:


  • Routine check-ups
  • Cleanings
  • X-rays
  • Fillings
  • Extractions
  • Root canals
  • Crowns
  • Dentures


With this plan, all your oral health needs are taken care of, ensuring that your smile stays healthy and bright.

As the plan includes regular dental care, you can take care of your oral health without financial concerns. This makes the AARP Patriot Plan a great choice for those who value comprehensive healthcare coverage.


Evidence of Coverage

Understanding your coverage is crucial when choosing a healthcare plan. The ‘Evidence of Coverage’ document provides detailed information about the coverage provided by the plan, including the extent of coverage, associated costs, and other significant aspects.

You should closely scrutinize the Evidence of Coverage document to thoroughly understand the benefits, costs, copays, and a detailed description of the AARP Medicare Advantage Patriot Plan. This will ensure that you are well-informed about your plan and can make the most of your coverage.

Comparing Medicare Advantage Organizations

When selecting a healthcare plan, it’s vital to juxtapose different Medicare Advantage organizations. Leading organizations that offer plans for veterans include Humana and UnitedHealthcare. Each offers unique benefits tailored to the needs of veterans, ensuring they receive the care they need.


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For example, Medicare Advantage PPOs typically offer a broader physician network than Medicare Advantage HMOs, covering a larger proportion of physicians within their respective county. This means more options for you when choosing a healthcare provider.


Provider Network

A provider network in Medicare Advantage plans is comprised of:


  • doctors
  • providers
  • hospitals
  • facilities


These entities have entered into a Medicare contract with the plan to deliver care to enrollees. The size and range of a provider network, including dental network size based factors, is a significant aspect when choosing a Medicare Advantage plan in 2025 as it determines the quantity and diversity of healthcare providers accessible to beneficiaries.

As Medicare evaluates plans based on various criteria, it is essential to consider the provider network when selecting a Medicare Advantage plan.

In the case of the Medicare Advantage Patriot Plan, it offers prioritized access to a wide array of doctors and specialists within Renown Health and Senior Care Plus’s extensive network. This ensures that you have a wide range of healthcare providers to choose from, ensuring you get the care you need when you need it.


Inpatient Hospital Care and Preventive Services

When deciding on a healthcare plan, it’s vital to take into account the inpatient hospital care and preventive services offered. In the context of Medicare Advantage plans, inpatient hospital care coverage refers to the provision for hospital stays. Coverage limits may vary among plans, with some offering unlimited days for an inpatient hospital stay and others having a specific limit.

Preventive services are another crucial aspect to consider. Medicare Advantage plans generally encompass a wide array of preventive services, including:


  • Examinations
  • Vaccinations
  • Laboratory tests
  • Screenings
  • Health monitoring programs


These services are designed to facilitate health preservation and early detection of health issues, ensuring you stay healthy.

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Navigating VA Benefits and Medicare Advantage

While navigating VA benefits in tandem with Medicare Advantage plans can sometimes be daunting, it needn’t be. VA benefits provide creditable drug coverage, allowing enrollees to postpone Medicare Part D. Additionally, Medicare Advantage plans establish agreements with local providers who adhere to CMS marketing guidelines, enabling them to join the plan networks.

Therefore, veterans enrolled in VA health care have the potential to access care from local community providers through community care programs. Furthermore, Medicare Advantage often provides additional benefits such as:


  • Dental
  • Vision
  • Hearing aids
  • Over-the-counter items


This extends the scope of care options beyond what VA benefits alone provide.


Prescription Coverage and VA Benefits

When it comes to prescription coverage, the VA benefits provide creditable drug coverage, allowing enrollees to postpone Medicare Part D. This implies that you can keep receiving your prescription medications through the VA while also benefiting from the additional perks of a Medicare Advantage plan.


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It’s also worth noting that there’s no requirement to choose between VA prescription drug benefits and a Medicare prescription drug plan; individuals may have either or both. This flexibility allows you to customize your healthcare coverage to best meet your needs.


Accessing Local Market Providers

Accessing local market providers is an integral part of navigating VA benefits and Medicare Advantage plans. The Medicare Advantage Patriot Plan enables individuals to access doctors and hospitals within its network without incurring a monthly premium.

How local market provider networks function within the Medicare Advantage Patriot Plan can differ based on the location. However, resources like’s Find and Compare Health Care Providers tool and Cigna’s Provider and Pharmacy Directories can be utilized to locate local market providers within the Medicare Advantage plan.

Additional Benefits and Services for Veterans

In addition to the standard coverage, the UnitedHealthcare Medicare Advantage Patriot Plan provides a quarterly credit on the UnitedHealthcare UCard® for covered over-the-counter products. This means you can get the supplies you need without worrying about the cost.


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Furthermore, the Medicare Advantage Patriot Plan grants veterans access to mental health services, which include:


  • Peer support
  • Counseling
  • Therapy
  • Medication management
  • A combination of these treatments

This holistic approach ensures that all your health care needs are met.


Over-the-Counter Allowances

Over-the-counter allowances in Medicare Advantage plans are designed to assist with the expenses related to eligible OTC health and wellness products. Within the Medicare Advantage Patriot Plan, particularly the Peoples Health Patriot (PPO), an over-the-counter allowance of $75 per quarter is provided for eligible items.

The over-the-counter allowances in Medicare Advantage plans generally cover items such as:


  • Over-the-counter medicines like pain relievers and allergy medication
  • First aid supplies
  • Vitamins and supplements
  • Dental care products
  • Diabetic supplies
  • Incontinence products
  • Other health-related items


The unused over-the-counter allowance can indeed be rolled over to the next period in Medicare Advantage plans, usually to the next quarter.


Mental Health and Counseling Services

Mental health is just as important as physical health, and the Medicare Advantage Patriot Plan recognizes this. The plan provides coverage for mental health services that supplement VA benefits and offer access to care and services that VA benefits may not encompass. This includes both individual and group therapy.

However, one must remember that the Medicare Advantage Patriot Plan imposes limitations on mental health services. For inpatient stays in a psychiatric hospital, Medicare coverage is restricted to a maximum of 190 days of hospital services in a lifetime. Therefore, it’s important to be aware of these limitations when considering mental health services.

Enrolling in a Medicare Advantage Patriot Plan

The process of enrolling in a Medicare Advantage Patriot Plan is quite straightforward. The plan is available to individuals who are veterans as well as those who are not veterans. There may be limitations, copayments, and restrictions associated with enrolling in a Medicare Advantage Patriot Plan, however, there is no specific age restriction specified.

To enroll, just select the plan you prefer and then get in touch with the plan, either by phone or by visiting their website. Remember, you can always reach out to customer service if you have any questions or need assistance with the enrollment process.


Eligibility Requirements

Eligibility for the AARP Medicare Advantage Patriot No Rx plan is not restricted to veterans. Military retirees with TRICARE For Life coverage may consider the plan, but it is not necessary to be a military veteran to enroll in the Medicare Advantage Patriot Plan. This means that even if you’re not a veteran, you can still take advantage of the comprehensive coverage provided by the Patriot Plan.

It’s noteworthy that there is no specified income limit stipulated to qualify for the Medicare Advantage Patriot Plan. This means that regardless of your income level, you can still enjoy the comprehensive coverage provided by the Patriot Plan.


Customer Service Support

Customer service support is readily available for those interested in or enrolled in a Medicare Advantage Patriot Plan.

You can reach the UnitedHealthcare Insurance Company at their customer service number, 1-800-978-9765, or Senior Care Plus Customer Service at 775-982-3112. Online customer service support includes website assistance and the option to talk or live chat with a real person through


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Customer service for the Medicare Advantage Patriot Plan is available daily from 8 a.m. to 8 p.m. And the best part? The customer service team is capable of providing support in multiple languages, ensuring you can communicate effectively regardless of your language preference.


In conclusion, the Medicare Advantage Patriot Plan is a comprehensive healthcare plan designed specifically for veterans. Whether it’s covered dental services, prescription drug coverage, or mental health services, the plan provides a wide range of benefits to ensure that you receive the care you need.

With flexibility in provider networks, additional benefits for veterans, and easy enrollment processes, the Patriot Plan is a great option for veterans seeking comprehensive healthcare coverage.

Frequently Asked Questions



What is the best Medicare Advantage plan for seniors?

The best Medicare Advantage plan for seniors is the UnitedHealthcare (UHC) plan offered by AARP, known for its high star ratings, extensive provider network, and diverse options – making it a top choice. UnitedHealthcare (UHC) plans are highly recommended for seniors looking for comprehensive coverage and benefits.


→  What is the best Medicare plan for retired military?

The best Medicare plan for retired military is TRICARE For Life, which serves as a Medicare-wraparound coverage for those eligible for Medicare Part A and Part B. It works to supplement Medicare benefits, providing additional coverage and support for military retirees.


What are the cons of an advantage Medicare plan?

The key disadvantages of Medicare Advantage plans include restrictive networks, high out-of-pocket costs, prior authorization requirements, plans changing each year, and aggressive marketing tactics. Consider your current and future needs when evaluating your Medicare insurance options.


→  What is the Medicare Advantage Patriot Plan?

The Medicare Advantage Patriot Plan is a Medicare Advantage plan designed for veterans and offered by a Medicare Advantage organization.


What is included in the prescription drug coverage of the Patriot Plan?

The prescription drug coverage of the Patriot Plan is similar to the standard Medicare prescription coverage and does not include a deductible.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.