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UHC Complete Care NV-4 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care NV-4 (HMO-POS C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Complete Care NV-4 (HMO-POS C-SNP) in 2026, please refer to our full plan details page.
UHC Complete Care NV-4 (HMO-POS C-SNP) is a HMO-POS C-SNP 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 UHC Complete Care NV-4 (HMO-POS C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Complete Care NV-4 (HMO-POS C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Complete Care NV-4 (HMO-POS C-SNP).
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 UHC Complete Care NV-4 (HMO-POS C-SNP), 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. Additionally, this plan comes with a Part B Premium reduction of $5.00. You must continue to pay paying your reduced 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 UHC Complete Care NV-4 (HMO-POS C-SNP) plan features an annual prescription drug deductible of $270. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic medications when using standard pharmacies or standard mail order services. This makes everyday generic prescriptions highly affordable, offering both 1-month and 3-month supplies at no cost to you. For higher-tier medications, costs are structured around coinsurance rather than set copays. Tier 3 preferred brand drugs require a 23% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 45% and 30% coinsurance respectively. These percentage-based costs apply to both standard retail pharmacies and standard mail-order options.
Additional Benefits
The UHC Complete Care NV-4 (HMO-POS C-SNP) offers robust coverage with no copay and no coinsurance for inpatient hospital stays, primary care, specialist visits, and outpatient hospital services. Emergency care carries a $150 copay, which is waived if you are admitted, while urgently needed services have a low copay of up to $10. Skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. For routine care, this plan provides preventive dental, routine vision exams, and annual hearing exams with no copay. Comprehensive dental services require 50% coinsurance up to a $4,000 annual limit, and eyewear is covered up to $250 every two years. Additionally, members can access up to 36 free one-way transportation trips per year and receive over-the-counter items with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by UHC Complete Care NV-4 (HMO-POS C-SNP) with no copay and no coinsurance for Medicare-covered acute and psychiatric stays. The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Complete Care NV-4 (HMO-POS C-SNP) covers outpatient services with no coinsurance and no copay for outpatient hospital, observation, ambulatory surgical center, and outpatient blood services. Outpatient substance abuse services are also covered with no coinsurance, featuring a $10 copay for group sessions and a copay ranging from no copay to $15 for individual sessions.
Partial Hospitalization See details
UHC Complete Care NV-4 (HMO-POS C-SNP) 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
UHC Complete Care NV-4 (HMO-POS C-SNP) covers ground and air ambulance services with a $260 copay and no coinsurance, subject to prior authorization. Transportation services are partially covered, offering up to 36 one-way trips per year to plan-approved locations with no copay or coinsurance, though trips to any health-related location are not covered.
Emergency Services See details
Emergency services are covered by UHC Complete Care NV-4 (HMO-POS C-SNP) 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 no copay to $10 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under the UHC Complete Care NV-4 (HMO-POS C-SNP) are covered with no copay and no coinsurance for primary care, specialist, therapy, telehealth, and podiatry visits. 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, though routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are offered by UHC Complete Care NV-4 (HMO-POS C-SNP) with no copay and no coinsurance for covered services like annual physicals, fitness benefits, and kidney disease education, which requires a referral. This benefit is partially covered, as sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and alternative therapies are not covered.
Hearing Services See details
UHC Complete Care NV-4 (HMO-POS C-SNP) provides partially covered hearing services with no deductible, featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Covered prescription hearing aids require a $199.00 to $1,249.00 copay and no coinsurance, and OTC hearing aids require a $199.00 to $829.00 copay and no coinsurance, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
UHC Complete Care NV-4 (HMO-POS C-SNP) provides partially covered vision services with no coinsurance, including one routine eye exam per year and eyeglass frames with no copay. Covered eyewear has a $250 maximum limit every two years, featuring no copay for contact lenses and a $0 to $153 copay for eyeglass lenses, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
UHC Complete Care NV-4 (HMO-POS C-SNP) dental services are partially covered up to a $4,000 annual maximum, featuring no copay and no coinsurance for preventive care. Comprehensive services require no copay and a 50% coinsurance, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Complete Care NV-4 (HMO-POS C-SNP) covers home infusion bundled services with no copay, although prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry 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
UHC Complete Care NV-4 (HMO-POS C-SNP) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive this covered benefit.
Medical Equipment See details
UHC Complete Care NV-4 (HMO-POS C-SNP) covers medical equipment with no copay, though a 20% coinsurance applies to durable medical equipment, prosthetics, and medical supplies. Diabetic equipment and supplies are available with no copay and no coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
UHC Complete Care NV-4 (HMO-POS C-SNP) covers diagnostic and radiological services with no coinsurance, though prior authorization and referrals are required. There is no copay for diagnostic procedures, lab services, and diagnostic radiological services, while outpatient X-rays require a $5.00 copay and therapeutic radiological services have a minimum copay of $15.00.
Home Health Services See details
Home health services are covered by UHC Complete Care NV-4 (HMO-POS C-SNP) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by UHC Complete Care NV-4 (HMO-POS C-SNP) with no copay and no coinsurance, although referrals and prior authorization are required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Complete Care NV-4 (HMO-POS C-SNP) with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required for these services, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by UHC Complete Care NV-4 (HMO-POS C-SNP), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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