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AARP Medicare Advantage from UHC NV-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NV-0001 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage from UHC NV-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Clark and Nye Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC NV-0001 (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage from UHC NV-0001 (HMO-POS).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For AARP Medicare Advantage from UHC NV-0001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $270.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $1900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The AARP Medicare Advantage from UHC NV-0001 (HMO-POS) plan features an annual drug deductible of $270. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost an $8 copay for a 1-month supply at standard pharmacies, but you can enjoy no copay for a 3-month supply when using preferred mail order. For higher-tier medications, cost-sharing transitions to coinsurance. Tier 3 preferred brand drugs require a 16% coinsurance for both standard pharmacies and mail order. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 41% and 30% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NV-0001 (HMO-POS) plan offers comprehensive medical coverage with no copays or coinsurance for inpatient hospital stays, primary care visits, specialist consultations, and home health services. Outpatient hospital services and laboratory tests also feature no copays, while emergency room visits require a $150 copay and ambulance services have a $290 copay. Skilled nursing facility care is covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. For routine care, members enjoy no copays on preventive dental care, annual eye exams, and routine hearing tests, alongside a $1,000 maximum annual benefit for covered dental services. Hearing aids are available with copays ranging from $199 to $1,249, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. The plan also includes valuable extras like no-copay over-the-counter items and up to 12 one-way trips per year to plan-approved locations.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS), offering Medicare-covered acute and psychiatric stays with no copay and no coinsurance. While unlimited additional days for acute stays are covered at no cost, upgrades, non-Medicare-covered stays, and additional days for psychiatric hospitalizations are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) covers outpatient hospital, ambulatory surgical center, and blood services with no copay and no coinsurance. Outpatient substance abuse services are also covered with no coinsurance, featuring a copay ranging from no copay to $15.00 for individual sessions and a $10.00 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC NV-0001 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance. Transportation services are partially covered with no copay or coinsurance for up to 12 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $0 to $20 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under AARP Medicare Advantage from UHC NV-0001 (HMO-POS) generally feature no copay and no coinsurance for primary care visits, specialists, physical and occupational therapies, and telehealth services, though chiropractic services are not covered. Covered mental health and psychiatric services feature no coinsurance, with copays ranging from no copay to $15 for individual sessions and a $10 copay for group sessions.
Preventive Services See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered benefits such as annual physical exams, fitness benefits, and kidney disease education (which requires a referral). However, sub-services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs for hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional or dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) covers routine hearing exams with no copay and no coinsurance, though hearing aid fitting and evaluations are not covered. Up to two prescription hearing aids per year are covered with a $199.00 to $1,249.00 copay and no coinsurance, and up to two OTC hearing aids are covered with a $199.00 to $829.00 copay and no coinsurance. Inner ear, outer ear, and over-the-ear prescription hearing aids are not covered under this plan.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS) with no deductibles or coinsurance, offering no copay for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a $0 to $153 copay under a $200 maximum benefit every two years, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS), offering preventive and diagnostic care with no copay and no coinsurance up to a $1,000 annual maximum. Covered comprehensive services require no copay and 50% coinsurance, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%, while insulin requires a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC NV-0001 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS), requiring prior authorization and referrals. Members pay a $20 copay and no coinsurance for diagnostic tests, a $5 copay with coinsurance for X-rays, a 20% coinsurance and no copay for therapeutic radiology, and no copay or coinsurance for lab services and diagnostic radiology.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC NV-0001 (HMO-POS) plan with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS) with no copay and no coinsurance, but only some services are covered in practice as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC NV-0001 (HMO-POS) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, though additional days beyond the standard Medicare limit are not covered. Prior authorization and referrals are required for this benefit, but a prior three-day inpatient hospital stay is not.
Other Services See details
AARP Medicare Advantage from UHC NV-0001 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this plan benefit.
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