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AARP Medicare Advantage from UHC NV-0002 (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-0002 (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-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NV-0002 (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-0002 (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-0002 (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-0002 (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 $900.00 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-0002 (HMO-POS) plan features an annual prescription drug deductible of $270. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, and no copay for a 3-month supply filled via mail order. Tier 2 generic drugs carry an $8 copay for a 1-month supply at standard pharmacies, but you can avoid costs entirely with no copay for a 3-month supply through preferred mail order. For higher-tier medications, the plan transitions from flat copays to coinsurance. Tier 3 preferred brand drugs require a 19% coinsurance for standard pharmacy and mail order services. Tier 4 non-preferred drugs carry a 41% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 30% coinsurance across standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC NV-0002 (HMO-POS) plan offers comprehensive coverage with exceptionally low out-of-pocket costs, featuring no copays and no coinsurance for inpatient hospital stays, primary care, specialist visits, and preventive services. Outpatient hospital services and diagnostic lab tests are also covered with no copay, while emergency care requires a $150 copay that is waived if you are admitted. Routine transportation is included with up to 36 one-way trips annually at no cost, helping you easily access your medical appointments. For supplemental care, the plan provides robust dental benefits with no copays for preventive care and a 50% coinsurance for comprehensive services up to a $5,000 annual limit. Vision and hearing services feature no copays for routine exams, alongside generous allowances for eyewear and predictable copays for hearing aids with no coinsurance. Prescription drugs under Medicare Part B and durable medical equipment generally require up to a 20% coinsurance, while other perks like acupuncture and select over-the-counter items are available with no copay.
Inpatient Hospital See details
Inpatient hospital services under AARP Medicare Advantage from UHC NV-0002 (HMO-POS) are covered with no copay and no coinsurance for Medicare-covered acute and psychiatric stays, though prior authorization and referrals are required. This benefit is partially covered because upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) covers outpatient services with no coinsurance, offering no copays for outpatient hospital, observation, ambulatory surgical center, and blood services. Outpatient substance abuse services are also covered with no coinsurance, carrying a copay of $0 to $15 for individual sessions and $10 for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance. Routine transportation is partially covered, offering up to 36 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, though trips to general health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS) with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from no copay to $40, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care and specialist services under AARP Medicare Advantage from UHC NV-0002 (HMO-POS) are covered with no copay and no coinsurance, including telehealth, physical therapy, and podiatry. Chiropractic services are partially covered, offering up to 12 routine visits per year with no copay while other chiropractic services are not covered, and mental health or psychiatric sessions may require copays up to $15 with no coinsurance.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, and various screenings. Additional preventive benefits are partially covered, offering fitness programs and home safety devices with no copay or coinsurance, but excluding health education, safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS), offering one annual routine hearing exam with no copay or coinsurance, but excluding fitting and evaluation exams. Up to two prescription hearing aids (with a $199 to $1,249 copay) and two OTC hearing aids (with a $199 to $829 copay) are covered yearly with no coinsurance, though inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) partially covers vision services with no deductibles, offering routine eye exams with no copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered up to $300 every two years with no coinsurance, featuring no copay for contacts and frames and a $0 to $153 copay for lenses, though upgrades and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) features partially covered dental services with up to a $5,000 annual limit, providing preventive care with no copay and no coinsurance. Comprehensive dental services are covered with no copay and a 50% coinsurance, though orthodontics and implant services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a referral are required for these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, and medical supplies. 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
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) covers diagnostic procedures, lab services, and diagnostic radiological services with no copay and no coinsurance. Outpatient X-rays require a $15 copay, therapeutic radiological services carry a 20% coinsurance, and prior authorization and referrals are required for these benefits.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC NV-0002 (HMO-POS) plan with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the AARP Medicare Advantage from UHC NV-0002 (HMO-POS) plan, as all individual sub-services—including intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC NV-0002 (HMO-POS) with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NV-0002 (HMO-POS) covers other services, including acupuncture, over-the-counter (OTC) items, and meal benefits for chronic illnesses, with no copay and no coinsurance. Acupuncture is limited to 12 treatments per year, and the meal benefit requires prior authorization.
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