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UHC Dual Complete MO-S3 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete MO-S3 (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 MO-S3 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete MO-S3 (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 State of Missouri. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Dual Complete MO-S3 (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 MO-S3 (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 MO-S3 (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 MO-S3 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $43.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.20. 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 MO-S3 (HMO-POS D-SNP) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, members enjoy no copay for 1-month and 3-month supplies at standard pharmacies, as well as for 3-month fills through standard mail order. This zero-cost coverage helps keep your most common medications highly affordable. For Tier 2 generic, Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, the plan charges a consistent 25% coinsurance. This 25% coinsurance applies to 1-month and 3-month fills at standard pharmacies and mail order for Tiers 2 and 3, and to 1-month fills for Tiers 4 and 5. These straightforward cost-sharing rates make it easy to estimate your out-of-pocket drug expenses under this plan.
Additional Benefits
The UHC Dual Complete MO-S3 (HMO-POS D-SNP) offers comprehensive medical coverage with no copays for primary care, specialist visits, and outpatient services, though some of these services may carry up to a 20% coinsurance. Inpatient hospital admissions require a $1,715 copay per stay with no coinsurance, whereas emergency room visits feature a $115 copay that is waived upon admission. Additionally, essential care such as home health services and skilled nursing facility stays are fully covered with no copays or coinsurance. This plan also includes valuable supplemental benefits, featuring preventive and comprehensive dental care up to a $2,500 annual limit and routine vision exams with a $250 annual eyewear allowance, both with no copays or coinsurance. Members also benefit from routine hearing exams and up to $2,200 in hearing aid coverage every two years with no copays. To further support your health, the plan offers up to 36 one-way transportation trips per year to approved locations and over-the-counter benefits with no copays or coinsurance.
Inpatient Hospital See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) partially covers inpatient hospital services with no coinsurance and a $1,715 copay per stay for Medicare-covered acute and psychiatric admissions. While unlimited additional acute days are covered with no copay, psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers outpatient services with no copays, although coinsurance ranges from no coinsurance up to 20% depending on the service. Covered benefits include outpatient hospital, ambulatory surgical center, substance abuse, and blood services, most of which require prior authorization.
Partial Hospitalization See details
Partial hospitalization is covered by UHC Dual Complete MO-S3 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, while transportation services are partially covered. Transportation to plan-approved health-related locations is covered for up to 36 one-way trips per year with no copay and no coinsurance, but transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete MO-S3 (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 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays or coinsurance.
Primary Care See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers primary care, specialist, therapy, and psychiatric services with no copays and coinsurance ranging from no coinsurance up to 20%. Additional telehealth and opioid treatment services feature no copays and no coinsurance, though chiropractic services are not covered.
Preventive Services See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers annual physical exams, kidney disease education, and Medicare-covered preventive services with no copay and no coinsurance. Additional preventive benefits are partially covered, offering fitness programs and home safety devices with no copay and no coinsurance, while services like health education, personal emergency response systems, and nutritional therapy are not covered. Some services, such as digital rectal exams and EKGs following a welcome visit, require a 20% coinsurance.
Hearing Services See details
Hearing services covered by UHC Dual Complete MO-S3 (HMO-POS D-SNP) include one routine hearing exam annually with no copay and 20% coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are covered up to $2,200 every two years and OTC hearing aids are covered up to two every two years, both with no copay and no coinsurance, although inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by UHC Dual Complete MO-S3 (HMO-POS D-SNP) with no copays, no coinsurance, and no deductibles. Covered benefits include one routine eye exam per year and a $250 annual allowance for contact lenses, eyeglass lenses, and frames, while other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) offers partially covered dental services, featuring no copay and no coinsurance for preventive and most comprehensive dental care up to a $2,500 annual limit, though implant services and orthodontics are not covered. Medicare-covered dental services are also available with no copay and a 20% coinsurance.
Home Infusion bundled Services See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and other drugs, require up to 20% coinsurance, while Part B insulin drugs have a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete MO-S3 (HMO-POS D-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered by UHC Dual Complete MO-S3 (HMO-POS D-SNP) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are offered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers diagnostic and radiological services with prior authorization, featuring diagnostic radiology with no copay or coinsurance. Diagnostic tests require a copay and 20% coinsurance, lab services have no copay but require coinsurance, and therapeutic radiology and outpatient X-rays require a 20% coinsurance and no copay.
Home Health Services See details
Home Health Services are covered under the UHC Dual Complete MO-S3 (HMO-POS D-SNP) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by UHC Dual Complete MO-S3 (HMO-POS D-SNP) with no copay and prior authorization required, though only some services are covered. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete MO-S3 (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization is required. The plan allows for admission with less than a three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by UHC Dual Complete MO-S3 (HMO-POS D-SNP), which provides over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture and other select services are not covered under this plan.
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