2027 Medicare Advantage plan

AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS): 2027 benefits and costs

UnitedHealthcare HMO-POS

CMS plan ID: H4604-036-0 · Plan year: 2027

AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS) is a 2027 Medicare Advantage plan offered by UnitedHealthcare. It is listed in West Virginia.

2027 plan costs at a glance

Monthly plan premium$0.00
In-network medical out-of-pocket maximum$9,300.00
Organization
UnitedHealthcare
Plan organization
UNITEDHEALTHCARE OF THE ROCKIES, INC.
Parent company
UnitedHealth Group, Inc.
Plan type
HMO-POS
Part C premium
$0.00
Prescription drug coverage
No
2027 CMS Star Rating
Standard monthly Medicare Part B premium
$209.50 (estimated)
Monthly Part B premium after plan reduction
$39.50 (estimated)$209.50 standard premium less $170.00 plan reduction.

You must continue to pay your Medicare Part B premium.

In-network medical deductible
None
Combined in/out-of-network medical deductible
None
Out-of-network medical deductible
None
In-network medical maximum
$9,300.00
Combined in/out-of-network medical maximum
Not applicable
Out-of-network medical maximum
Not applicable
Part B premium reduction
$170.00

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
ServiceIn-networkWhat to know
Primary care doctor

$0.00 copay

Service-specific deductible
No
Specialist visit

$0.00 to $55.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
Yes
Emergency care

$115.00 copay

Urgent care

$0.00 to $40.00 copay

Home health

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Dialysis

20% coinsurance

Service-specific deductible
No
Approval required
Yes
Referral required
No
Part B chemotherapy and radiation drugs

0% to 20% coinsurance

Deductible applies
No
Approval required
Yes
Other Part B drugs

0% to 20% coinsurance

Deductible applies
No
Approval required
Yes
Kidney disease education services

$0.00 copay

Service-specific deductible
No
Approval required
No
Referral required
No
Medicare-covered chiropractic

$15.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Medicare-covered foot care

$45.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Other health professionals

$0.00 to $55.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
Yes

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
CareYour share of the costWhat to know
Inpatient hospital stay

$0.00 copay per stay

Days 1–5: $490.00 copay per day

Days 6–90: $0.00 copay per day

Approval required
Yes
Referral required
No
Benefit period
Per Admission or Per Stay
Inpatient mental health care

$0.00 copay per stay

Days 1–4: $490.00 copay per day

Days 5–90: $0.00 copay per day

Approval required
Yes
Referral required
No
Benefit period
Per Admission or Per Stay
Skilled nursing facility

Days 1–20: $0.00 copay per day

Days 21–100: $221.00 copay per day

Approval required
Yes
Referral required
No
Benefit period
Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
ServiceIn-networkWhat to know
Outpatient hospital care

$0.00 to $490.00 copay

Service-specific deductible
No
Hospital observation services

$490.00 copay

Service-specific deductible
No
Ambulatory surgical center

$0.00 to $440.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Outpatient blood

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
ServiceIn-networkWhat to know
Diagnostic procedures and tests

$50.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Laboratory services

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Diagnostic radiology (CT, MRI)

$0.00 to $320.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Therapeutic radiology

20% coinsurance

Service-specific deductible
No
Approval required
Yes
Referral required
No
X-rays

$30.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
ServiceIn-networkWhat to know
Partial hospitalization

$55.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Intensive outpatient program

$55.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Substance use treatment, individual sessions

$0.00 to $25.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Substance use treatment, group sessions

$15.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Opioid treatment program

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Mental health, individual sessions

$0.00 to $25.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Mental health, group sessions

$15.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Psychiatry, individual sessions

$0.00 to $25.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Psychiatry, group sessions

$15.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
ServiceIn-networkWhat to know
Occupational therapy

$35.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Physical and speech therapy

$55.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Cardiac rehabilitation

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Intensive cardiac rehabilitation

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Pulmonary rehabilitation

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Supervised exercise for peripheral artery disease

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
ServiceIn-networkWhat to know
Ground ambulance

$350.00 copay

Service-specific deductible
No
Approval required
Yes
Air ambulance

$350.00 copay

Service-specific deductible
No
Approval required
Yes
Durable medical equipment

20% coinsurance

Service-specific deductible
No
Approval required
Yes
Prosthetic devices

20% coinsurance

Service-specific deductible
No
Approval required
Yes
Medical supplies

20% coinsurance

Service-specific deductible
No
Approval required
Yes
Diabetic supplies

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Diabetic shoes and inserts

20% coinsurance

Service-specific deductible
No
Approval required
Yes
Diabetic monitors

$0.00 copay

Service-specific deductible
No
Approval required
Yes

Dental benefits

Dental benefits and member costs
ServiceIn-networkPoint-of-serviceWhat to know
Medicare-covered dental

20% coinsurance

Not summarized. Check coverage with the plan.

Oral examsAdditional plan benefit

$0.00 copay

$0.00 copay

Deductible applies
No
Dollar benefit limit applies
No
Dental X-raysAdditional plan benefit

$0.00 copay

$0.00 copay

Deductible applies
No
Dollar benefit limit applies
No
Other diagnostic dentalAdditional plan benefit

$0.00 copay

$0.00 copay

Deductible applies
No
Dollar benefit limit applies
No
Dental cleaningAdditional plan benefit

$0.00 copay

$0.00 copay

Deductible applies
No
Dollar benefit limit applies
No
FluorideAdditional plan benefit

$0.00 copay

$0.00 copay

Deductible applies
No
Dollar benefit limit applies
No
Other preventive dentalAdditional plan benefit

$0.00 copay

$0.00 copay

Deductible applies
No
Dollar benefit limit applies
No
Restorative dental careAdditional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Root canal treatment (endodontics)Additional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Gum treatment (periodontics)Additional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Removable dentures (prosthodontics)Additional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Maxillofacial prostheticsAdditional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Fixed dental restorations (prosthodontics)Additional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Oral surgeryAdditional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No
Other dental servicesAdditional plan benefit

50% coinsurance

50% coinsurance

Deductible applies
No
Dollar benefit limit applies
No

Vision benefits

Vision benefits and member costs
ServiceIn-networkWhat to know
Medicare-covered eye exams

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Routine eye examsAdditional plan benefit

$0.00 copay

Approval required
Yes
Referral required
No
Medicare-covered eyewear

$0.00 copay

Service-specific deductible
No
Approval required
No
Referral required
No
Contact lensesAdditional plan benefit

$0.00 copay

Approval required
No
Referral required
No
Eyeglasses, lenses and framesAdditional plan benefit

$0.00 copay

Approval required
No
Referral required
No

Hearing benefits

Hearing benefits and member costs
ServiceIn-networkWhat to know
Medicare-covered hearing exams

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No
Routine hearing examsAdditional plan benefit

$0.00 copay

Approval required
Yes
Referral required
No
Prescription hearing aids (all types)Additional plan benefit

$0.00 copay

Service-specific deductible
No
Approval required
Yes
Referral required
No

Extra benefits

Extra benefits and member costs
ServiceIn-networkWhat to know
Over-the-counter health itemsAdditional plan benefit

$0.00 copay

Service-specific deductible
No
Limited-duration mealsAdditional plan benefit

$0.00 copay

Service-specific deductible
No
Approval required
No
Referral required
No
Annual physical examAdditional plan benefit

$0.00 copay

Service-specific deductible
No
Approval required
No
Referral required
No
Fitness benefitAdditional plan benefit

$0.00 copay

Service-specific deductible
No
Approval required
No
Referral required
No

Allowances and optional benefits

Combined Benefit 1

One shared limit covers the listed services, not a separate allowance for each service.

Services sharing this allowance
Over-the-counter health items; Home and Bathroom Safety Devices and Modifications
How benefits are provided
Catalogue Purchase; Debit Card
Advance choice of benefits required
No
Shared benefit limit
$30.00
How often this limit applies
Every three months
Shared limit on visits or trips
No

Prescription drug coverage

This plan does not include a Part D prescription drug benefit.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.

View all locations 55 county listings across 1 state or territory

West Virginia