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AARP Medicare Advantage Giveback from UHC NV-8 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC NV-8 (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 Giveback from UHC NV-8 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC NV-8 (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 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage Giveback from UHC NV-8 (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 Giveback from UHC NV-8 (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 Giveback from UHC NV-8 (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 $82.00. 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.
This plan has a $495.00 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 Giveback from UHC NV-8 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $495. Once you meet your deductible, you will pay a copay or coinsurance for your prescriptions. For preferred generic drugs at a standard pharmacy, you pay a $5 copay. Standard generic drugs at a standard pharmacy have a $47 copay. Preferred and standard brand drugs have a $100 copay. Non-preferred drugs have a 27% coinsurance. After your yearly out-of-pocket drug costs reach $2000, you pay nothing for your Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan offers a range of benefits with varying cost-sharing options. Inpatient hospital stays have a $450 copay for the first five days and no copay for subsequent days, while outpatient services have copays ranging from $0 to $450. Emergency and urgent care services are covered, and primary care visits have no copay. Preventive services, including an annual physical exam, have no copay. The plan also covers hearing exams and offers coverage for hearing aids with copays between $99 and $1249. Vision services include eye exams with no copay and eyewear benefits. Dental services focus on preventive care with no copays for exams and cleanings.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care, with a copay of $450 per admission for days 1-5 and no copay for days 6-90. Additional days for inpatient hospital acute care have no copay, while non-Medicare-covered stays and upgrades for inpatient hospital acute are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services and observation services, are covered by this plan with copays ranging from $0 to $450. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, while individual sessions for outpatient substance abuse have a copay between $0 and $25, and group sessions have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan, but requires prior authorization. You will have a $55 copay for this service.
Ambulance and Transportation Services See details
For the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan, ambulance services are covered with a $250 copay for both ground and air ambulance services, and there is no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $55. Worldwide Emergency Services has a $0 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a copay between $0 and $40, and physician specialist services with a copay between $0 and $50. Mental health specialty services, psychiatric services, and podiatry services have varying copays, and physical therapy and speech-language pathology services have a copay between $0 and $40, while additional telehealth benefits and opioid treatment program services have no copay.
Preventive Services See details
Preventive services are covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan, including an annual physical exam with no copay. Additional preventive services are covered, but some services are not covered, including Health Education, In-Home Safety Assessment, and others.
Hearing Services See details
Hearing exams and OTC hearing aids are covered under the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan. Routine hearing exams have no copay, while OTC hearing aids have a copay between $99 and $829; prescription hearing aids are partially covered, with the "all types" category having a copay between $199 and $1249, but "inner ear", "outer ear", and "over the ear" hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear has a combined maximum benefit of $300 every two years, with no copay for contact lenses and eyeglass frames. Eyeglass lenses may have a copay between $0 and $153, and eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services include oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive services have no copay, and other diagnostic dental services are offered as a supplemental benefit. Orthodontic, restorative, adjunctive general, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and oral and maxillofacial surgery are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Insulin, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, is covered. DME has a 20% coinsurance, while Prosthetic Devices and Medical Supplies have a 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay of $25, Lab Services with no copay, Diagnostic Radiological Services with a copay of at most $250, Therapeutic Radiological Services with a copay of at least $80, and Outpatient X-Ray Services with a $5 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan. Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are also not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. There is no copay for days 1-20, and a $203 copay per day for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) Items and Meal Benefits. Over-the-Counter (OTC) Items have no copay, while Meal Benefits also have no copay and require prior authorization.
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