AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) in Medina County, Texas — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) (H1278-026) is a $0-premium Medicare Advantage PPO from UnitedHealth Group, Inc. available in Medina County, Texas in 2026, with a 3.5-star overall rating, a $6,700 in-network out-of-pocket maximum, and a $0 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | UnitedHealth Group, Inc. |
|---|---|
| Plan name | AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) |
| Contract ID | H1278 |
| Plan ID | 026 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA |
| Plan type | PPO |
| SNP | No |
| Monthly consolidated premium | — |
| Part C premium | $0.00 |
| Part D basic premium | — |
| Part D total premium | — |
| Annual Part D deductible | — |
| Maximum out-of-pocket (in-network) | $6700.00 |
| Overall star rating | 3.5 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- PPO plan type. Plan-type rules determine in-network use and referrals. See how Medicare Advantage HMO and PPO plans differ.
- $6,700 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Medina County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Medina County
The CMS CY2026 Landscape file lists 86 Medicare Advantage plans in Medina County, Texas, of which 10 carry a 5.0-star overall rating and 54 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $142.00 per month, and in-network out-of-pocket maximums range from $3200.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in Medina County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| DEVOTED C-SNP 046 TX (HMO C-SNP) | Devoted Health, Inc. | $0.00 | $4450.00 |
| DEVOTED C-SNP PLUS 033 TX (HMO C-SNP) | Devoted Health, Inc. | $4.80 | $9250.00 |
| DEVOTED CORE 003 TX (HMO) | Devoted Health, Inc. | $0.00 | $3900.00 |
For the full county plan directory, see all Medicare plans in Medina County, Texas.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H1278-026.
- Call the plan (UnitedHealth Group, Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H1278-026 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H1278-026, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 1278 are the contract number issued to the organization, and the three-digit 026 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) an HMO or PPO?
AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) is a PPO Medicare Advantage plan.
Does AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) include prescription drug coverage?
AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) does not include Part D prescription drug coverage in its consolidated benefits.
What is the maximum out-of-pocket cost for AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO)?
The 2026 in-network maximum out-of-pocket limit for AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) is $6700.00, per the CMS CY2026 Landscape file.
What counties offer AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) (H1278-026)?
AARP Medicare Advantage Patriot No Rx TX-MA04 (PPO) (H1278-026) is offered in nine Texas counties: Atascosa County, Bandera County, Bexar County, Comal County, Guadalupe County, Kendall County, Kerr County, Medina County, and Wilson County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.