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AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx NV-MA01 (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 Patriot No Rx NV-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx NV-MA01 (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 Patriot No Rx NV-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx NV-MA01 (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 Patriot No Rx NV-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $100.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan offers robust coverage with no copay and no coinsurance for primary care, telehealth visits, and routine preventive services. For specialized medical needs, members pay no coinsurance and low copays, such as $0 to $60 for specialist visits and $130 for emergency services, which is waived upon hospital admission. Inpatient hospital stays require a $550 daily copay for the first few days with no coinsurance, while outpatient hospital services range from no copay up to a $550 copay. This plan also includes valuable supplemental benefits, featuring no copay and no coinsurance for routine hearing exams, eye exams, and preventive dental care. Prescription hearing aids require copays ranging from $199 to $1,249, while comprehensive dental services require a 50% coinsurance with no copay up to a $1,500 annual limit. Additionally, diagnostic lab services and home health care are available with no copay, while durable medical equipment requires a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital care is covered by the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) with no coinsurance, requiring a copay of $550 per day for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays. There is no copay for subsequent days of acute stays, though psychiatric stays do not cover additional days beyond day 90, and non-Medicare-covered stays or upgrades are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) with no coinsurance across all services, including ambulatory surgical center and outpatient blood services at no copay. Outpatient hospital services require a copay of $0 to $550, observation services carry a $550 daily copay, and outpatient substance abuse services range from no copay to a $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from $0 to $50 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 Patriot No Rx NV-MA01 (PPO) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a copay of $0 to $60 and no coinsurance. Additional benefits like physical, occupational, and mental health therapies have copays ranging from $0 to $60 with no coinsurance, but chiropractic care is not covered in practice.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) with no copay and no coinsurance for covered options such as annual physicals, fitness benefits, and kidney disease education. However, sub-services like health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation counseling, disease management, telemonitoring, remote access technologies, and counseling are not covered.
Hearing Services See details
Hearing Services are partially covered by the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan, which offers one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids (with copays ranging from $199 to $1,249) and OTC hearing aids (with copays ranging from $199 to $829) annually with no coinsurance, 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 Patriot No Rx NV-MA01 (PPO) plan, which offers routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with no coinsurance and a copay of up to $153 under a $150 combined eyewear allowance every two years, but other eye exam services, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan, with implant services and orthodontics not covered. Preventive dental care features no copay and no coinsurance, Medicare-covered services carry a 20% coinsurance with no copay, and covered comprehensive services require a 50% coinsurance with no copay up to a $1,500 annual maximum.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) with no copay and no coinsurance, although prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and up to 20% coinsurance, while Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment covered by the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) features no copay and a 20% coinsurance for durable medical equipment (DME), prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are also covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan. Diagnostic procedures and tests require a $50 copay with no coinsurance, while lab services and diagnostic radiological services have no copay and no coinsurance. Outpatient x-rays carry a $30 copay with no coinsurance, and therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan with no copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no copay and no coinsurance under the AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) plan, subject to prior authorization. Although the plan indicates some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) with no coinsurance, featuring no copay for days 1 to 20 and a $218.00 copay for days 21 to 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) partially covers other services, providing over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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