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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 2026, 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 4.5 out of 5 stars in 2026.
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 $70.00. 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 $600.00 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 features a $600 annual drug deductible. Under this plan, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies or through standard and preferred mail order options. For Tier 2 generic drugs, standard pharmacies charge a $10 copay for a one-month supply, but you can secure a three-month supply with no copay through preferred mail order. For brand-name and specialized medications, the plan transitions to coinsurance costs. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs carry a 30% coinsurance. Tier 5 specialty drugs require a 26% coinsurance for a one-month supply across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC NV-8 (PPO) offers robust coverage for essential medical services, featuring no copay for primary care visits, telehealth, home health services, and annual preventive physicals. For specialized care, beneficiaries will encounter low to moderate copays, such as up to $60 for specialist visits and a $130 copay for emergency room visits, which is waived if admitted. Inpatient hospital stays require a $550 daily copay for the first few days with no copay thereafter, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. This plan also includes valuable everyday wellness benefits, providing routine dental cleanings, annual eye exams, and yearly hearing tests with no copays or coinsurance. While major dental services and over-the-counter items are not covered, the plan provides allowance-based coverage for eyewear and copay-based options for prescription and over-the-counter hearing aids. Additionally, skilled nursing facility stays are highly accessible, featuring no copay for the first 20 days of care.
Inpatient Hospital See details
Inpatient hospital services are partially covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with no coinsurance, requiring a $550 daily copay for days 1-5 for acute stays (no copay thereafter) and a $550 daily copay for days 1-4 for psychiatric stays (no copay for days 5-90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC NV-8 (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $550 for outpatient hospital services and a $550 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
The AARP Medicare Advantage Giveback from UHC NV-8 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO), offering ground and air ambulance services for a $285 copay and no coinsurance, with prior authorization required. Although transportation is technically covered, some services are covered but transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Giveback from UHC NV-8 (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 are covered with a copay ranging from no copay to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Giveback from UHC NV-8 (PPO) covers primary care and telehealth services with no copay and no coinsurance. Specialist visits, physical therapy, occupational therapy, and mental health services require copays ranging from $0 to $60 with no coinsurance, while some chiropractic services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with no copay and no coinsurance for annual physicals, kidney disease education, and fitness benefits. However, several services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, and counseling.
Hearing Services See details
AARP Medicare Advantage Giveback from UHC NV-8 (PPO) provides partially covered hearing services with no deductible, including one annual routine hearing exam with no copay and no coinsurance. Prescription hearing aids (up to two yearly) require a $199.00 to $1,249.00 copay and no coinsurance, and OTC hearing aids require a $199.00 to $829.00 copay and no coinsurance, though fitting/evaluation exams and inner-ear, outer-ear, or over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO), which offers one routine eye exam per year with no copay and no coinsurance. Eyewear is covered with no coinsurance and a combined $150 limit every two years, featuring contact lenses and frames with no copay and lenses with a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO), offering preventive care like exams, cleanings, fluoride, and X-rays with no copay and no coinsurance. Major dental services, including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with no copay and no coinsurance, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%. Part D home infusion drugs are not covered as a bundled mandatory supplemental benefit.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC NV-8 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with prior authorization required. Diagnostic procedures and tests require a $40 copay with no coinsurance, lab services and diagnostic radiology have no copay and no coinsurance, outpatient X-rays require a $15 copay, and therapeutic radiology has a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Giveback from UHC NV-8 (PPO) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and while a prior three-day hospital stay is not needed for admission, days beyond the standard 100-day limit are not covered.
Other Services See details
AARP Medicare Advantage Giveback from UHC NV-8 (PPO) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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