UnitedHealthcare Medicare Advantage Plans Virginia 2025

What makes UnitedHealthcare Medicare Advantage plans a viable option for Virginians? These UnitedHealthcare Medicare Advantage plans in Virginia not only offer an alternative to Original Medicare but also bring additional coverage such as $0 premiums, drug, vision, and dental benefits, along with wellness programs.

This article breaks down the details of UnitedHealthcare Medicare Advantage plans in Virginia, discussing plan options and key considerations for enrollment to help you make a confident healthcare choice.


Key Takeaways

  • UnitedHealthcare Medicare Advantage plans in Virginia offer $0 premium options, prescription drug coverage, and additional benefits like vision, dental, fitness programs, and access to a wide network of healthcare providers.


  • AARP UnitedHealthcare Medicare Advantage plans feature unique benefits, including the Renew Active fitness and wellness program at no extra cost, savings on hearing aids, and enhanced vision coverage, plus the convenience of the UCard for integrated member services.


  • UnitedHealthcare provides a range of Medicare Advantage plan types in Virginia, such as HMO, HMO-POS, and PPO plans, all designed to meet different healthcare needs and preferences, with varying levels of in-network provider requirements and flexibility in accessing services.

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Understanding UnitedHealthcare Medicare Advantage Plans in Virginia

UnitedHealthcare Medicare Advantage plans, available in Virginia, offer comprehensive coverage options as an alternative to Original Medicare. These plans are designed to cater to a variety of healthcare needs and financial situations. Some key features include:


  • $0 premium options, making health care more accessible to all
  • Prescription drug coverage
  • Vision and dental benefits
  • Fitness and wellness programs
  • Access to a large network of doctors and hospitals


With UnitedHealthcare Medicare Advantage plans, you can have peace of mind knowing that your healthcare needs are covered 7 days a week.


Understanding UnitedHealthcare Medicare Advantage Plans in Virginia

Unlike Original Medicare, these plans include essential medically necessary services, along with additional benefits such as vision, hearing, and dental services. This comprehensive coverage ensures that your healthcare needs are met, from routine check-ups to unexpected medical situations.

Another unique feature of UnitedHealthcare Medicare Advantage plans is their potential for $0 copays for certain services like primary care visits and lab tests. This means you could walk into a doctor’s office for a check-up or get a lab test done without worrying about the copay costs.

In cities like James City, Alexandria City, Bristol City, Arlington, Augusta, and Fairfax, among others, UnitedHealthcare is a trusted choice for Medicare Advantage plans. The UHC logo stands as a symbol of quality and reliability in the healthcare sector, offering peace of mind to its members in Virginia.

Exclusive Benefits of AARP Medicare Advantage Plans

AARP Medicare Advantage plans, offered through UnitedHealthcare, come packed with exclusive benefits designed to support your health and wellness. For instance, the Renew Active® program is included at no extra cost, supporting both physical and mental fitness. This means you can stay active, engage in fitness activities, and keep your mind sharp, all under the umbrella of your Medicare Advantage plan.

When it comes to vision and hearing, AARP UnitedHealthcare Medicare Advantage plans have got you covered. They may offer annual routine eye exams and an allowance for contacts or designer frames, with certain lenses covered in full. This is a significant advantage over Original Medicare, which doesn’t cover such services.

Hearing aid savings are another highlight of these plans, offering more benefits than just cost competitiveness compared to retail prices. You can ensure your hearing health without breaking the bank.

The UCard® is another unique feature of AARP Medicare Advantage plans. It acts as both a member ID card and provides access to various healthcare services, offering a seamless healthcare experience for members.

Plan Types Offered: HMO, PPO, and More

Choosing the right Medicare Advantage plan depends largely on your unique healthcare needs and lifestyle. UnitedHealthcare offers a variety of plan types in Virginia to cater to these varying needs.


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One such plan type is the Health Maintenance Organization (HMO) health plan. These plans generally require members to use a network of local physicians and hospitals to receive benefits for covered services, except in cases of emergencies. Some UnitedHealthcare HMO plans in Virginia may even allow members to access specialty care without the need for referrals.

UnitedHealthcare’s Point of Service (HMO-POS) plans are another great option. They combine features of HMO plans with the added benefit of allowing members to seek certain healthcare services outside the network, usually at a higher cost. These plans may include out-of-network coverage for dental care and often do not require referrals to see specialists.

Preferred Provider Organization (PPO) plans provided by UnitedHealthcare in Virginia offer flexibility to receive covered services from out-of-network providers without needing a referral for specialty care, though at a higher cost compared to in-network services. Local PPO plans cater specifically to certain counties within Virginia, while Regional PPO (RPPO) plans cover a broader geographic area with consistent benefits and costs for all members in that region.

Regardless of the plan type, UnitedHealthcare Medicare Advantage plans in Virginia may require enrollees to stay within a network of designated service providers for most non-emergency care. Different plan types offer varying levels of network flexibility.

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How to Choose the Right Plan for You

Choosing a Medicare Advantage plan is a significant decision that requires careful consideration. While it may be tempting to follow the advice of friends or family, it’s important to remember that healthcare needs and lifestyles vary greatly from one person to another.

When selecting a UnitedHealthcare Medicare Advantage plan, it’s essential to ensure that it covers your prescriptions, as most plans include Part D for drug coverage, which is not a standard part of Original Medicare.

Consider not only the monthly premium of a Medicare Advantage plan but also examine deductibles, copays, and coinsurance to understand the full scope of potential healthcare costs. Having a complete understanding of these costs will help you budget your healthcare expenses accurately.

UnitedHealthcare understands the complexity of choosing the right plan, which is why they offer the Right Plan Promise. This initiative is designed to help you find a suitable plan that aligns with your unique healthcare needs and lifestyle.

Enrollment Process and Eligibility

To be eligible for a UnitedHealthcare Medicare Advantage plan in Virginia, individuals must be enrolled in Original Medicare Part A and Part B, meet Medicaid eligibility for Special Needs Plans (SNPs), and live within the plan’s service area.

Eligibility for Medicare generally starts at age 65, though individuals under 65 may qualify with certain disabilities or diagnoses such as ESRD or ALS. You must be a U.S. citizen or legal resident who has lived in the U.S. for at least five consecutive years.

The Initial Enrollment Period for Medicare is a 7-month window that includes the 65th birthday month, the three months before, and the three months following it. If you’re not receiving Social Security benefits upon Medicare eligibility, you need to enroll through the Social Security Administration actively. Those working past age 65 should consider their options regarding enrollment timing.

Enrollment in Medicare Advantage plans can happen during the Initial Enrollment Period, the Annual Enrollment Period from October 15 to December 7, or Special Enrollment Periods for those who meet certain conditions. Existing members of UnitedHealthcare Medicare Advantage plans in Virginia can switch to a different UnitedHealthcare plan or from Original Medicare to a Medicare Advantage plan during the applicable enrollment periods.

Member Resources and Support

Once enrolled, UnitedHealthcare Medicare Advantage plan members receive comprehensive support and resources to manage their healthcare. Customer service support is available by mail to PO Box 30769, Salt Lake City, UT 84130-0769, ensuring that help is just a letter away.


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Members may also benefit from a care coordination program designed to assist in managing their health and navigating the healthcare system. This is especially beneficial for beneficiaries with chronic conditions, where regular monitoring and management of health needs is crucial.

Telehealth services are available under some UnitedHealthcare Medicare Advantage plans, allowing for virtual visits with healthcare providers. For assistance, you can use tty 711 to communicate with customer service.

Special Needs Plans offered by UnitedHealthcare in Virginia deliver additional benefits such as transportation to medical appointments and routine vision exams to those eligible for both Medicare and Medicaid.


In conclusion, UnitedHealthcare Medicare Advantage plans in Virginia offer comprehensive coverage, flexibility, and support for its members. Whether it’s the $0 premium options, additional benefits, or the variety of plan types, UnitedHealthcare is committed to meeting the unique healthcare needs of its members.

Remember, choosing the right plan is a personal decision, and it’s important to consider your individual healthcare needs and lifestyle. With the right plan, you can enjoy peace of mind knowing you’re covered.

Frequently Asked Questions


What is the difference between Medicare Advantage HMO and Medicare Advantage PPO?

The main difference between Medicare Advantage HMO and PPO plans is that HMO plans generally have lower monthly premiums and out-of-pocket costs but require you to receive care within the network. In contrast, PPO plans have higher costs, a larger network, and the flexibility to see providers out of the network at an additional cost.


What is the biggest difference between original Medicare and Medicare Advantage?

The biggest difference between original Medicare and Medicare Advantage plans is that Medicare Advantage plans cover both Part A and Part B services and most also cover prescription drugs (Part D).


Can I switch from Original Medicare to a Medicare Advantage Plan?

Yes, you can switch from Original Medicare to a Medicare Advantage Plan during specific enrollment periods, such as the Annual Enrollment Period from October 15 to December 7, or during the Medicare Advantage Open Enrollment Period from January 1 to March 31 each year. To make this change, enroll in the Medicare Advantage Plan of your choice, and you will be automatically disenrolled from Original Medicare.


Is AARP Medicare Advantage the same as UnitedHealthcare?

Yes, AARP Medicare Advantage plans are offered by UnitedHealthcare Insurance Company and endorsed by AARP, making them the same.


What are the eligibility criteria for UnitedHealthcare Medicare Advantage plans in Virginia?

To be eligible for UnitedHealthcare Medicare Advantage plans in Virginia, you must be enrolled in Original Medicare Part A and Part B, meet Medicaid eligibility for Special Needs Plans (SNPs), and live within the plan’s service area.

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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.