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AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras ValueRx NV-10 (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 Extras ValueRx NV-10 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras ValueRx NV-10 (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 Extras ValueRx NV-10 (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 Extras ValueRx NV-10 (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 Extras ValueRx NV-10 (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 $200.00 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 Extras ValueRx NV-10 (HMO-POS) plan features an annual drug deductible of $200. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay for a 1-month or 3-month supply at preferred retail pharmacies and preferred mail-order services. If you choose standard pharmacies or standard mail-order options, you will pay copays ranging from $10 to $15 for a 1-month supply and $30 to $45 for a 3-month supply. For higher-tier medications, the plan transitions to coinsurance rather than set copays. Tier 3 preferred brand drugs require a 20% coinsurance at both preferred and standard pharmacies. Non-preferred drugs in Tier 4 and specialty drugs in Tier 5 are subject to a 29% coinsurance for a 1-month supply across all pharmacy and mail-order options.
Additional Benefits
The AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) plan offers comprehensive coverage designed to minimize out-of-pocket costs, featuring no copay and no coinsurance for primary care, specialist visits, and annual preventive exams. Members also enjoy valuable dental, vision, and hearing benefits, including no-copay routine exams, a $300 eyewear allowance, and up to $6,000 in dental coverage. For hospital care, inpatient stays require a $120 daily copay for the first five days with no copay thereafter, while outpatient services range from no copay up to a $120 copay. Emergency care is accessible with a $150 copay, which is waived upon hospital admission, and urgent care visits carry a low copay of up to $20.
Inpatient Hospital See details
Inpatient hospital services are partially covered by the AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) plan with no coinsurance, requiring a $120 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services with no copay. Outpatient hospital services require a copay of $0 to $120 (with a $120 daily copay for observation services), while outpatient substance abuse services carry no coinsurance and copays between $0 and $15.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage Extras ValueRx NV-10 (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 Extras ValueRx NV-10 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, with prior authorization required. While transportation services are listed as covered, some services are covered but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services are covered under the AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) plan with a $150 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services require a copay of $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
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) covers primary care, specialist visits, occupational and physical therapy, telehealth, and podiatry with no copay and no coinsurance. Mental health and psychiatric services feature no coinsurance, with copays ranging from $0 to $15 for individual sessions and a flat $10 copay for group sessions, while chiropractic services are not covered in practice.
Preventive Services See details
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and glaucoma screenings. However, several additional services such as health education, in-home safety assessments, personal emergency response systems, and nutritional therapy are not covered under this plan.
Hearing Services See details
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) provides partially covered hearing services, including one annual routine hearing exam with no copay, no coinsurance, and no deductible, while fitting and evaluation exams are not covered. Up to two OTC or prescription hearing aids are covered each year with no coinsurance and copays ranging from $199 to $1,249, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS), offering one annual routine eye exam with no copay and no coinsurance, and a $300 combined eyewear allowance every two years. Covered eyewear features contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay and no coinsurance, while other eye exams, upgrades, and packaged eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) offers partially covered dental services with an annual maximum of $6,000, featuring no copay and no coinsurance for preventive and Medicare-covered dental care. Comprehensive services require no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance up to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) plan, offering 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.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) plan, with prior authorization and referrals required. Diagnostic procedures and tests require a $50 copay and no coinsurance, lab services and diagnostic radiological services feature no copay, and outpatient X-rays require a $20 copay. Therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Extras ValueRx NV-10 (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 Extras ValueRx NV-10 (HMO-POS) with no copay and no coinsurance, but only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease services are not covered, and prior authorization and referrals are required.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) covers skilled nursing facility (SNF) care with no coinsurance, offering no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization and referrals are required, and while a three-day prior hospital stay is not necessary, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS), 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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