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UHC Dual Complete IA-S001 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete IA-S001 (HMO-POS D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Dual Complete IA-S001 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete IA-S001 (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Iowa. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Dual Complete IA-S001 (HMO-POS D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Dual Complete IA-S001 (HMO-POS D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Dual Complete IA-S001 (HMO-POS D-SNP).
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 UHC Dual Complete IA-S001 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $41.50. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.90. 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 $615.00 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 Maximum Out-Of-Pocket cost of $9250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 UHC Dual Complete IA-S001 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. Under this plan, Tier 1 preferred generic drugs are available with no copay for both 1-month and 3-month supplies at standard pharmacies, as well as through 3-month standard mail order. This ensures that many common, essential medications are accessible at no cost to members. For other medication categories, including Tier 2 generic, Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, members typically pay a 25% coinsurance. This 25% coinsurance rate applies to standard pharmacy fills and standard mail-order options for up to a 3-month supply depending on the tier. These clear cost-sharing tiers help you accurately plan and budget for your annual healthcare and prescription drug expenses.
Additional Benefits
The UHC Dual Complete IA-S001 (HMO-POS D-SNP) plan offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. While inpatient hospital stays require an $1,815 copay per admission, outpatient services and specialist visits feature no copay and coinsurance up to 20%. Emergency care is accessible with a $115 copay, which is waived if you are admitted, while urgently needed services range from no copay up to a $40 copay. This plan also includes valuable everyday benefits, offering no copay and no coinsurance for routine vision exams, dental care up to a $2,500 annual limit, and hearing aids. Members also benefit from no copay on over-the-counter items, chronic illness meals, and skilled nursing facility stays. However, please note that some services like transportation and cardiac rehabilitation are not covered under this plan.
Inpatient Hospital See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with a $1,815 copay per admission and no coinsurance, with prior authorization required. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers outpatient services with no copay, with coinsurance ranging from no coinsurance up to 20% depending on the service. Covered services include outpatient hospital care, ambulatory surgical center visits, outpatient substance abuse treatment, and outpatient blood services, all of which require prior authorization.
Partial Hospitalization See details
Partial hospitalization is covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services are offered with no copays and no coinsurance.
Primary Care See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers primary care, specialist, and therapy services with no copay and coinsurance ranging from 0% to 20%. Telehealth and opioid treatment services are offered with no copay and no coinsurance, though only some chiropractic services are covered as routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with no copay and no coinsurance for annual physicals, kidney disease education, diabetes training, and glaucoma screenings, while digital rectal exams and post-welcome visit EKGs require a 20% coinsurance and no copay. Additional preventive benefits are partially covered with no copay and no coinsurance for fitness, weight management, caregiver support, in-home support, and home safety, but sub-services such as health education, PERS, medical nutrition therapy, and alternative therapies are not covered.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP), which offers one routine hearing exam annually with no copay and 20% coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids (up to $2,200 every two years) and OTC hearing aids (up to two every two years) are covered with no copay and no coinsurance, but inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with no copay and no coinsurance. The plan covers one routine eye exam per year (prior authorization required) and up to $250 annually for contact lenses, eyeglass lenses, and frames, while other eye exams, complete eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) offers partially covered dental services featuring no copay and a 20% coinsurance for Medicare-covered dental, and no copay or coinsurance for preventive and comprehensive care up to a $2,500 annual limit. Implant services and orthodontics are not covered by this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with no copay, subject to prior authorization. Medicare Part B drugs, including chemotherapy, radiation, and insulin, carry no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Dual Complete IA-S001 (HMO-POS D-SNP) with prior authorization required. Members pay no copay for lab services and no copay or coinsurance for diagnostic radiology, while diagnostic tests require a copay and a minimum 20% coinsurance, and therapeutic radiology and outpatient X-rays require a minimum 20% coinsurance with no copay.
Home Health Services See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the UHC Dual Complete IA-S001 (HMO-POS D-SNP) plan, as all sub-services—including intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered and are subject to a 20% coinsurance and no copay.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, and prior authorization is required. The plan allows for SNF admission without a prior three-day inpatient hospital stay, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Dual Complete IA-S001 (HMO-POS D-SNP) partially covers other services, providing over-the-counter items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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