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AARP Medicare Advantage from UHC NV-0009 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NV-0009 (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-0009 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NV-0009 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Lyon and Washoe 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-0009 (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-0009 (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-0009 (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 $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 from UHC NV-0009 (PPO) plan features a $600 annual drug deductible. For Tier 1 preferred generic drugs, there is no copay for standard pharmacy fills or three-month mail orders. Tier 2 generic medications cost a $10 copay for a one-month supply at standard pharmacies, but you can save with no copay for a three-month supply through preferred mail order. For higher-tier medications, the plan transitions to coinsurance during the initial coverage phase. Tier 3 preferred brand drugs require a 15% coinsurance for both pharmacy and mail order fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 33% and 26% coinsurance respectively for a one-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NV-0009 (PPO) plan offers robust coverage for everyday health needs, featuring no copay and no coinsurance for primary care visits, annual physicals, routine eye exams, and preventive dental care. Specialist visits are highly affordable with copays ranging from no copay to $55, while routine hearing exams also require no copay. Additionally, the plan provides coverage for prescription hearing aids and eyewear with no coinsurance, making routine health maintenance highly accessible. For more intensive medical needs, inpatient hospital stays require a $455 daily copay for the first six days, after which there is no copay. Emergency room visits carry a $130 copay that is waived if you are admitted within 24 hours, while ground and air ambulance services require a $290 copay. Home health care, lab services, and diagnostic radiology are available with no copay or coinsurance, though durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NV-0009 (PPO) covers inpatient hospital services with no coinsurance, requiring a $455 copay for days 1 to 6 of an acute stay (with no copay for days 7 and beyond) and a $455 copay for days 1 to 5 of a psychiatric stay (with no copay for days 6 to 90). This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC NV-0009 (PPO) with no coinsurance, though prior authorization is required. Patients will pay no copay for ambulatory surgical center and outpatient blood services, while copays range from no copay to $455 for outpatient hospital and observation services, and up to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC NV-0009 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the AARP Medicare Advantage from UHC NV-0009 (PPO) plan, which features a $290 copay and no coinsurance for both ground and air ambulance services. Although some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NV-0009 (PPO) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay of $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
Primary care benefits under AARP Medicare Advantage from UHC NV-0009 (PPO) feature no copay and no coinsurance for primary care visits, telehealth, and opioid treatment, while chiropractic services are not covered. Other services require no coinsurance with copays of $0 to $55 for specialists, $25 for occupational therapy, $30 for physical and speech therapy, $45 for podiatry, and up to $25 for individual mental health and psychiatric sessions.
Preventive Services See details
AARP Medicare Advantage from UHC NV-0009 (PPO) partially covers preventive services, providing annual physical exams, kidney disease education, select screenings, and a fitness benefit with no copay and no coinsurance. However, multiple additional benefits are not covered, including health education, nutritional and dietary benefits, weight management programs, and in-home safety assessments.
Hearing Services See details
AARP Medicare Advantage from UHC NV-0009 (PPO) offers partially covered hearing services with no deductible and no coinsurance, including one routine hearing exam per year at no copay. Up to two prescription hearing aids (copays of $199.00 to $1,249.00) and two OTC hearing aids (copays of $199.00 to $829.00) are covered annually with no coinsurance. However, hearing aid fitting and evaluation exams, alongside inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC NV-0009 (PPO) with no deductible and no coinsurance. Routine eye exams, contact lenses, and eyeglass frames are covered with no copay, and eyeglass lenses carry a $0 to $153 copay up to a $300 combined limit every two years, though other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NV-0009 (PPO) partially covers dental services, offering Medicare-covered dental with no copay and a 20% coinsurance, and preventive care like exams and cleanings with no copay and no coinsurance. However, comprehensive dental services such as restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NV-0009 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and other drugs, carry a coinsurance of 0% to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC NV-0009 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC NV-0009 (PPO), featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, and diabetic supplies. Diabetic therapeutic shoes and inserts are also covered with a 20% coinsurance, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NV-0009 (PPO) with prior authorization required. Lab services and diagnostic radiology are available with no copay and no coinsurance, while diagnostic tests require a $50 copay with no coinsurance, outpatient X-rays have a $30 copay with coinsurance, and therapeutic radiology requires a 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC NV-0009 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC NV-0009 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC NV-0009 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day hospital stay requirement. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NV-0009 (PPO) partially covers other services, providing a meal benefit for chronic illness with no copay and no coinsurance, although prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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