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UHC Dual Complete NV-S3 (PPO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete NV-S3 (PPO 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-S3 (PPO D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete NV-S3 (PPO D-SNP) is a PPO D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Clark, Washoe, and Nye counties. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Dual Complete NV-S3 (PPO 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-S3 (PPO 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-S3 (PPO 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-S3 (PPO 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.
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 $10.00 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 combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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-S3 (PPO D-SNP) prescription drug plan features an affordable annual drug deductible of $10. Under this plan, there is no copay for Tier 1 preferred generic and Tier 2 generic medications filled at standard pharmacies for 1-month or 3-month supplies. Additionally, standard mail order delivery offers no copay for 3-month supplies of these generic drugs. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brands require a 22% coinsurance for 1-month and 3-month supplies at standard pharmacies and standard mail order. Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance for 1-month supplies through standard pharmacies or standard mail order.
Additional Benefits
The UHC Dual Complete NV-S3 (PPO D-SNP) plan offers robust coverage for essential medical needs, with many services requiring no copay. Beneficiaries enjoy no copay for primary care, outpatient services, home health, and skilled nursing facility care, though some services may carry up to a 20% coinsurance. Inpatient hospital stays require a copay of $2,230 for acute care and $2,080 for psychiatric care, while emergency room visits have a $115 copay. This plan also features valuable supplemental benefits to help lower out-of-pocket costs, including routine dental, vision, and hearing coverage. Most preventive dental services, annual eye exams, and over-the-counter items are covered with no copay and no coinsurance. Additionally, the plan includes up to 36 one-way transportation trips annually and up to $2,200 for hearing aids every two years with no copay.
Inpatient Hospital See details
UHC Dual Complete NV-S3 (PPO D-SNP) partially covers inpatient hospital services with no coinsurance, requiring a $2,230 copay per stay for acute care and a $2,080 copay per stay for psychiatric care. Prior authorization is required, and while unlimited additional acute days are covered with no copay, upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers outpatient services with no copay, including outpatient hospital, ambulatory surgical center, substance abuse, and blood services. Coinsurance ranges from no coinsurance to 20% depending on the service, and there is no deductible for blood services, though prior authorization is required for most care.
Partial Hospitalization See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered, offering up to 36 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, though trips to any other health-related locations are not covered.
Emergency Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services are covered with a copay ranging from no copay to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services feature no copay and no coinsurance.
Primary Care See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers primary care, specialist, and mental health services with no copay and 0% to 20% coinsurance, though chiropractic services are not covered. Physical, occupational, and speech therapies require no copay and 20% coinsurance, while telehealth and opioid treatment programs are available with no copay and no coinsurance.
Preventive Services See details
Preventive services are partially covered by UHC Dual Complete NV-S3 (PPO D-SNP), offering annual physicals, kidney education, and select supplemental benefits with no copay and no coinsurance, while digital rectal exams and EKGs carry a 20% coinsurance and no copay. Sub-services including health education, alternative therapies, therapeutic massage, counseling, and medical nutrition therapy are not covered.
Hearing Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) provides partially covered hearing services with no deductible, though fitting and evaluation exams alongside inner ear, outer ear, and over-the-ear prescription hearing aids are not covered. Routine hearing exams are covered once per year with no copay and 20% coinsurance, while OTC and other prescription hearing aids are covered with no copay and no coinsurance, up to a $2,200 maximum limit every two years.
Vision Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) offers partially covered vision services with no copay, no coinsurance, and no deductible for one routine eye exam per year and select eyewear up to a $200 annual limit. Covered eyewear includes contact lenses, eyeglass lenses, and eyeglass frames, while other eye exams, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) provides partially covered dental services with no copay and 20% coinsurance for Medicare-covered dental, and no copay or coinsurance for most other preventive and comprehensive services up to a $2,500 annual limit. While many treatments are covered, orthodontic and implant services are not covered by this plan.
Home Infusion bundled Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by UHC Dual Complete NV-S3 (PPO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
Medical equipment is covered by UHC Dual Complete NV-S3 (PPO D-SNP) with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are also covered with no copay, though manufacturer limits and prior authorizations apply.
Diagnostic and Radiological Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers diagnostic and radiological services with prior authorization, offering lab services with no copay and diagnostic radiological services with no copay or coinsurance. Outpatient X-rays and therapeutic radiological services require a 20% coinsurance with no copay, while diagnostic procedures and tests require both a copay and 20% coinsurance.
Home Health Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
UHC Dual Complete NV-S3 (PPO D-SNP) covers cardiac rehabilitation services with no copay and requires prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by UHC Dual Complete NV-S3 (PPO D-SNP) with no copay and no coinsurance, although prior authorization is required. The benefit is partially covered because additional days beyond standard Medicare-covered days are not covered, though a prior three-day inpatient hospital stay is not required for admission.
Other Services See details
Other Services are partially covered under the UHC Dual Complete NV-S3 (PPO D-SNP) plan, which offers over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. However, acupuncture and other miscellaneous services under this category are not covered, and the meal benefit requires prior authorization.
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