AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS)

Plan year 2027 · Source: CMS · Checked October 31, 2026 Plan ID: H4604-036-0 · Sold by UnitedHealthcare

What this plan is

It is an HMO-POS plan, so it works like an HMO but lets you go outside the network for some care at a higher cost. It does NOT include prescription drug coverage, so drugs would need a separate Part D plan. It is sold in 55 counties in West Virginia.

The same plan name can appear under other contracts in other areas, and those versions are different plans with their own costs. The numbers on this page belong to this contract only. See the UnitedHealthcare company page for its full list of plans, or all companies compared for the whole field.

Medicare rates this plan's contract 4.0 out of 5 stars overall for 2027.

What it costs

• Monthly premium for the medical part (Part C): $0. This plan includes no drug coverage, so Medicare's file carries no combined premium for it, and this page does not present one. You still pay your Part C premium each month, just as you would with any Medicare Advantage plan.
• Yearly limit on in-network care: $9,300. Once your copays and coinsurance for Part A and Part C care reach this amount in a year, you pay nothing more for covered in-network care that year.
• Drug coverage: NONE. There is no drug deductible on this page because the plan has no drug benefit.

The premium is not the whole cost, because copays for visits and hospital stays still add up across the year. The yearly limit above is the cap on the medical side of that cost.

Where it is sold

This plan is sold in 55 counties, and the full list is in this page's data record. A plan with the same name under a different contract is a different plan with its own costs, even when the company name on the card looks the same.

Before you join

Before you join, check that your doctors are in the network and that your drugs are on the plan's drug list. Care and Living Guide does not sell or enroll anyone in a plan, so to sign up or check your own case, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.

More detail about this plan

The full cost picture: this plan charges the Part C premium above and includes no drug coverage, so drug costs would sit in a separate Part D plan with its own premium, deductible, and yearly limit. Copays for visits and hospital stays sit on top of the premium, and the yearly limit above caps what you pay for covered in-network medical care.

Extra benefits: Medicare's Landscape file does not list this plan's dental, vision, hearing, fitness, over-the-counter, or transportation amounts. Those amounts live in the plan's Summary of Benefits and Evidence of Coverage, which Medicare.gov links from this plan's page. This page leaves the amounts blank until the CMS Plan Benefits Package files are loaded, rather than copying numbers from ads.

Drugs: this plan has no drug benefit and no formulary of its own. If you take prescription drugs, price a separate Part D plan before you join, because joining late can add a penalty.

You can join most Medicare Advantage plans for 2027 during the yearly enrollment period, October 15 to December 7, 2026. If you already have a Medicare Advantage plan, you can switch plans or go back to Original Medicare from January 1 to March 31. A move or another big life change can open a special window of its own. To join, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent. Care and Living Guide does not sell or enroll anyone in a plan.

The plan's official phone number and website are listed on its Medicare.gov plan page, checked October 31, 2026. Detail sources for this section: Medicare.gov (Plan Finder, plan pages, enrollment guidance) and SSA.gov (enrollment periods). Those sources add context only. Every figure on this page still comes from CMS.

Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.