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AARP Medicare Advantage from UHC NV-0003 (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-0003 (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-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Lyon and Washoe 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-0003 (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-0003 (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-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $32.00. 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 $520.00 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 $3200.00 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-0003 (HMO-POS) prescription drug coverage features a $520 annual drug deductible. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay for one-month and three-month supplies at standard pharmacies, as well as three-month standard mail orders. This plan offers a highly cost-effective option for individuals looking to minimize their everyday medication expenses. For brand-name and specialty prescriptions, cost-sharing is based on coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs carry a 39% coinsurance for a one-month supply. Tier 5 specialty drugs have a 27% coinsurance rate at both standard pharmacies and standard mail order.
Additional Benefits
The AARP Medicare Advantage from UHC NV-0003 (HMO-POS) plan offers comprehensive medical coverage with no copays for primary care provider visits, preventive services, and home health care. For inpatient hospital stays, members pay a $295 daily copay for the first six days and no copay for days seven through 90, while specialist visits carry a copay of up to $35. Emergency room visits require a $150 copay, and skilled nursing facility stays feature no copay for the first 20 days. This plan also includes valuable extra benefits, such as routine vision exams, contact lenses, and preventive dental care with no copays. Members also receive up to 24 one-way transportation trips per year at no cost and pay no copay for durable medical equipment, which requires a 20% coinsurance. Hearing aids and comprehensive dental services are also covered with varying copays or coinsurance.
Inpatient Hospital See details
Inpatient hospital care under AARP Medicare Advantage from UHC NV-0003 (HMO-POS) is covered with no coinsurance, requiring a $295 copay per day for days 1 through 6 and no copay for days 7 through 90 for acute and psychiatric stays. Unlimited additional acute days are covered at no copay, but additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) covers outpatient services with no coinsurance, featuring a copay of $0 to $295 for hospital services and $295 per day for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) covers partial hospitalization 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
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS), featuring a $290 copay and no coinsurance for both ground and air ambulance rides. Transportation services are partially covered, providing up to 24 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, though trips to any health-related location are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS) 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 $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays or coinsurance.
Primary Care See details
Primary Care benefits under AARP Medicare Advantage from UHC NV-0003 (HMO-POS) feature no copay and no coinsurance for primary care provider visits, telehealth, and opioid treatment. Specialist, therapy, and mental health services are covered with no coinsurance and copays ranging from $0 to $35, while chiropractic services are not covered in practice.
Preventive Services See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) offers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and glaucoma screenings. Additional preventive benefits are partially covered, featuring fitness benefits and home safety modifications with no copay and no coinsurance, while sub-services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS), including one annual routine exam with no copay and no coinsurance. While fitting and evaluation exams, alongside inner ear, outer ear, and over the ear prescription hearing aids are not covered, other prescription hearing aids carry a $199.00 to $1,249.00 copay and OTC hearing aids carry a $199.00 to $829.00 copay, both with no coinsurance and a limit of two devices per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS) with no deductibles, no coinsurance, and no copay for annual routine eye exams, contact lenses, and eyeglass frames. Covered eyeglass lenses have a copay of $0 to $153 up to a $200 combined eyewear limit every two years, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS), excluding implant services and orthodontics. Preventive dental benefits feature no copay and no coinsurance up to a $3,000 annual limit, while Medicare-covered dental services require no copay and 20% coinsurance, and comprehensive services have no copay and 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) covers home infusion bundled services with no copay, although prior authorization and step therapy are required. Associated Medicare Part B chemotherapy, radiation, and other drugs have no coinsurance to 20% coinsurance, while covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a referral are required to access these services.
Medical Equipment See details
AARP Medicare Advantage from UHC NV-0003 (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 carry a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) covers diagnostic and radiological services, requiring prior authorization and referrals for both. Diagnostic tests carry a $40 copay with no coinsurance, lab services and diagnostic radiology have no copays, outpatient X-rays require a $25 copay, and therapeutic radiology services require a minimum 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS) with no copay and no coinsurance. Although some services are covered, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC NV-0003 (HMO-POS) with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NV-0003 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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