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AARP Medicare Advantage from UHC NV-0007 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NV-0007 (PPO). 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-0007 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NV-0007 (PPO) is a PPO 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 from UHC NV-0007 (PPO) 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-0007 (PPO).
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-0007 (PPO), 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 $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 combined Maximum Out-Of-Pocket cost of $10100.00 (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 $10100.00 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 AARP Medicare Advantage from UHC NV-0007 (PPO) plan features an annual drug deductible of $520. Under this plan, Tier 1 preferred generic drugs offer no copay for 1-month or 3-month supplies at standard pharmacies and through mail-order services. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, though you can receive a 3-month supply with no copay when using preferred mail order. For brand-name and specialty medications, coverage transitions to percentage-based coinsurance. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 35% coinsurance for a 1-month supply. Specialty medications in Tier 5 are covered with a 27% coinsurance for a 1-month supply through both standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC NV-0007 (PPO) plan provides comprehensive coverage with no copays or coinsurance for primary care visits, telehealth, and annual physical exams. Specialist visits require a copay ranging from no copay to $45, while emergency care has a $130 copay that is waived upon hospital admission. For inpatient hospital stays, members pay a daily copay of $395 for the first few days of their stay with no coinsurance. Routine vision exams, annual hearing tests, and preventive dental care are all covered with no copay, though prescription hearing aids require a copay of $199 to $1,249. Diagnostic lab services and home health care also feature no copay, whereas medical equipment and dialysis services require a 20% coinsurance. This plan has no deductible for vision services, helping you easily manage out-of-pocket costs for essential health services.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NV-0007 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1 to 6 of acute stays (no copay for days 7 and beyond) and $395 daily for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) covers outpatient services with no coinsurance, though prior authorization is required. Copays range from $0 to $395 for outpatient hospital and observation services, $0 to $25 for outpatient substance abuse sessions, and no copay for ambulatory surgical center and blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the AARP Medicare Advantage from UHC NV-0007 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay or coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC NV-0007 (PPO) feature no copay and no coinsurance for primary care provider visits and telehealth services. Specialist visits ($0 to $45 copay), physical and occupational therapy ($35 copay), and mental health services ($0 to $25 copay) are covered with no coinsurance, though routine chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) offers preventive services with no copay and no coinsurance for covered care like annual physical exams, fitness benefits, and glaucoma screenings. This benefit is partially covered, as several additional services are not covered, including health education, personal emergency response systems, medical nutrition therapy, weight management, therapeutic massage, and in-home support.
Hearing Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) provides partially covered hearing services, including one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay and no coinsurance, though inner, outer, and over-the-ear models are excluded. Additionally, up to two OTC hearing aids are covered annually with a copay of $199 to $829 and no coinsurance.
Vision Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) offers partially covered vision services with no deductible and no coinsurance. Routine eye exams, contact lenses, and eyeglass frames have no copay, and eyeglass lenses have a copay of $0 to $153 up to a $300 combined limit every two years, but other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by the AARP Medicare Advantage from UHC NV-0007 (PPO) plan, excluding implant services and orthodontics. Diagnostic and preventive services have no copay and no coinsurance up to a $2,000 annual limit, while Medicare-covered dental services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the AARP Medicare Advantage from UHC NV-0007 (PPO) with no copay, though prior authorization is required. Covered Medicare Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs carry no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage from UHC NV-0007 (PPO) plan, with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require no copay and a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC NV-0007 (PPO) covers diagnostic and radiological services, requiring prior authorization for these benefits. Diagnostic procedures require a $35 copay and no coinsurance, outpatient x-rays require a $15 copay, and therapeutic radiology has a 20% coinsurance, while lab services and diagnostic radiology are covered with no copay and no coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC NV-0007 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the AARP Medicare Advantage from UHC NV-0007 (PPO) plan, as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded. Although the benefit technically features no copay and no coinsurance, none of these specific rehabilitation services are covered by the plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC NV-0007 (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not needed, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage from UHC NV-0007 (PPO), which excludes acupuncture but offers over-the-counter (OTC) items and chronic illness meal benefits. These covered benefits feature no copay and no coinsurance, though the meal benefit does require prior authorization.
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