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UHC Dual Complete NV-S4 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete NV-S4 (HMO-POS D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Dual Complete NV-S4 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete NV-S4 (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Nevada. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that UHC Dual Complete NV-S4 (HMO-POS D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Dual Complete NV-S4 (HMO-POS D-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 Dual Complete NV-S4 (HMO-POS D-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 Dual Complete NV-S4 (HMO-POS D-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 $0.40. 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 $615.00 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 $9250.00 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 Dual Complete NV-S4 (HMO-POS D-SNP) Medicare plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, members enjoy no copay for one-month and three-month supplies at standard pharmacies, as well as for three-month supplies through standard mail order. This structure makes managing everyday prescriptions highly affordable and accessible. For higher-tier medications, including Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, the plan requires a 25% coinsurance. This coinsurance rate applies to both standard pharmacy fills and standard mail order deliveries. Understanding these cost-sharing tiers helps you plan your healthcare budget and secure the best prescription drug coverage for your needs.
Additional Benefits
The UHC Dual Complete NV-S4 (HMO-POS D-SNP) offers robust medical coverage with no copays for primary care, specialist visits, and outpatient hospital services, though coinsurance up to 20% may apply. Inpatient hospital stays require a $2,230 copay per stay with no coinsurance, while home health and skilled nursing facility services are covered with no copay and no coinsurance. Emergency care features a $115 copay that is waived if admitted, while urgently needed services require no copay to a $40 copay. Additional benefits include comprehensive dental care up to a $2,000 annual limit and vision services with a $200 allowance, both featuring no copays and no coinsurance. Members also receive up to $2,200 for hearing aids every two years, 24 one-way transportation trips, and over-the-counter items with no copay. Preventive services, fitness benefits, and telehealth visits are also covered with no copay and no coinsurance to support daily health.
Inpatient Hospital See details
UHC Dual Complete NV-S4 (HMO-POS D-SNP) covers inpatient acute hospital stays with a $2,230 copay per stay and no coinsurance, alongside unlimited additional days at no copay. Inpatient psychiatric hospital stays are covered with a $2,080 copay per stay and no coinsurance, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP) with no copay for all outpatient hospital, ambulatory surgical center, substance abuse, and blood services. Coinsurance for these services ranges from no coinsurance up to 20%, with prior authorization and referrals generally required.
Partial Hospitalization See details
Partial hospitalization is covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP) 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
Ambulance and transportation services are partially covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP), featuring a 20% coinsurance and no copay for ground and air ambulance services. Additionally, the plan offers up to 24 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP) with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Dual Complete NV-S4 (HMO-POS D-SNP) covers primary care, specialist, and mental health visits with no copay and 0% to 20% coinsurance, while physical, occupational, and speech therapies require no copay and 20% coinsurance. Some chiropractic services are covered, but routine and other chiropractic services are not covered, whereas telehealth and opioid treatment are fully covered with no copay and no coinsurance.
Preventive Services See details
Preventive Services under the UHC Dual Complete NV-S4 (HMO-POS D-SNP) are partially covered, offering annual physicals, fitness benefits, and caregiver support with no copay and no coinsurance. While a 20% coinsurance applies to digital rectal exams and post-visit EKGs, several sub-services are not covered, including health education, in-home safety assessments, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, smoking cessation, disease management, telemonitoring, remote technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP), offering one routine hearing exam annually with no copay and a 20% coinsurance, though fitting and evaluation services are not covered. The plan also covers up to two OTC hearing aids and prescription hearing aids (up to $2,200) every two years with no copay and no coinsurance, although inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP) with no copay, no coinsurance, and no deductible, offering one routine eye exam and up to a $200 annual maximum for contact lenses, eyeglass lenses, and frames. This benefit is partially covered, as other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
UHC Dual Complete NV-S4 (HMO-POS D-SNP) partially covers dental services, offering Medicare-covered dental care with no copay and 20% coinsurance. Other covered preventive and comprehensive dental services have no copay and no coinsurance up to a $2,000 annual maximum, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
UHC Dual Complete NV-S4 (HMO-POS D-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to access these services.
Medical Equipment See details
Medical Equipment benefits under UHC Dual Complete NV-S4 (HMO-POS D-SNP) are covered with no copays, though a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP), requiring referrals and prior authorization. Lab services have no copay, while diagnostic tests require a copay and minimum 20% coinsurance. Diagnostic radiological services carry no copay or coinsurance, but therapeutic radiology and outpatient X-rays require a minimum 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered under the UHC Dual Complete NV-S4 (HMO-POS D-SNP) plan with no copay and no coinsurance. Both prior authorization and a referral are required to access these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under UHC Dual Complete NV-S4 (HMO-POS D-SNP). While the plan indicates some services are covered with no copay, all specific sub-services—including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy—are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Dual Complete NV-S4 (HMO-POS D-SNP) with no copay and no coinsurance, although prior authorization and a referral are required. While the plan allows for admission with less than a three-day prior inpatient hospital stay, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Dual Complete NV-S4 (HMO-POS D-SNP) partially covers other services, providing over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered by the plan, and prior authorization is required to receive the meal benefit.
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