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UHC Dual Complete AL-D001 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete AL-D001 (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 AL-D001 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete AL-D001 (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 Alabama. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that UHC Dual Complete AL-D001 (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 AL-D001 (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 AL-D001 (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 AL-D001 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $3.30. 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 $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 combined Maximum Out-Of-Pocket cost of $9250.00 (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 $9250.00 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 UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan features an enhanced alternative drug benefit with a $615.00 annual prescription drug deductible. After meeting this deductible, you will pay a 25% coinsurance for preferred generic, standard generic, preferred brand, and non-preferred drugs at standard pharmacies. This initial coverage phase continues until your total accumulated drug costs reach $2,100.00. If you qualify for the Low-Income Subsidy, also known as Extra Help, your Part D drug costs are reduced to $3.30. Furthermore, once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Medicare Part D prescription drugs.
Additional Benefits
The UHC Dual Complete AL-D001 (HMO-POS D-SNP) offers comprehensive medical coverage, featuring fixed copays of $2,110 per stay for acute inpatient hospital care and $2,080 per stay for psychiatric care with no coinsurance. Most outpatient services, home health visits, and preventive care are highly accessible with no copays and low to no coinsurance. Emergency room visits require a $115 copay, which is waived if you are admitted, while urgently needed services have a copay of up to $40. This plan also provides robust supplemental benefits, including routine dental, vision, and hearing exams with no copays. Members receive generous allowances with no copays or coinsurance, including up to $1,500 annually for dental, $150 yearly for eyewear, and $2,200 every two years for hearing aids. Additionally, the plan covers up to 24 one-way transportation trips per year with no copay, and standard medical equipment with 20% coinsurance and no copay.
Inpatient Hospital See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) partially covers inpatient hospital services, featuring a $2,110 copay per stay for acute care and a $2,080 copay per stay for psychiatric care with no coinsurance required. Additional acute days are covered with no copay, but non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) covers outpatient services, including outpatient hospital, observation, ambulatory surgical center, substance abuse, and blood services, with no copays. Depending on the service, coinsurance ranges from no coinsurance to 20%, and prior authorization is required for most treatments.
Partial Hospitalization See details
Partial hospitalization benefits are covered by UHC Dual Complete AL-D001 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by UHC Dual Complete AL-D001 (HMO-POS D-SNP), with ground and air ambulance services requiring a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete AL-D001 (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 up to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) covers primary care, specialist, and therapy services with coinsurance ranging from 0% to 20%, though routine chiropractic care is not covered. Covered telehealth, opioid treatment, and Medicare-covered podiatry services feature no copay, while routine foot care requires a 20% coinsurance.
Preventive Services See details
Preventive services are partially covered by UHC Dual Complete AL-D001 (HMO-POS D-SNP), with no copay or coinsurance for annual physicals, glaucoma screenings, and diabetes training. Digital rectal exams and post-welcome visit EKGs require a 20% coinsurance and no copay, while several supplemental services—including health education, nutritional training, and personal emergency response systems—are not covered.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete AL-D001 (HMO-POS D-SNP), offering routine hearing exams with no copay and 20% coinsurance, while fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no copay or coinsurance up to a $2,200 limit every two years, though inner, outer, and over-the-ear prescription models are not covered.
Vision Services See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) offers partially covered vision services with no copay and no coinsurance, including an annual routine eye exam and eyewear up to a $150 yearly limit. Covered eyewear includes contact lenses, eyeglass lenses, and eyeglass frames, but upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by UHC Dual Complete AL-D001 (HMO-POS D-SNP), which features Medicare-covered dental services with a 20% coinsurance and no copay, plus other covered dental benefits up to a $1,500 annual limit with no copay or coinsurance. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) covers home infusion bundled services, which require prior authorization. Covered Medicare Part B insulin drugs carry a $35 copay and coinsurance ranging from no coinsurance to 20%, while chemotherapy and other Part B drugs require no copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment benefits are covered under UHC Dual Complete AL-D001 (HMO-POS D-SNP), with prior authorization required for most services. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes require a 20% coinsurance and no copay, while diabetic supplies are covered with no copay.
Diagnostic and Radiological Services See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) covers diagnostic and radiological services, with prior authorization required. Lab services feature no copay, diagnostic procedures require a copay and 20% coinsurance, and radiological services carry no copay with coinsurance ranging from no coinsurance up to 20%.
Home Health Services See details
UHC Dual Complete AL-D001 (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 covered under UHC Dual Complete AL-D001 (HMO-POS D-SNP) subject to prior authorization, though specific copay and coinsurance costs are not provided. While the plan indicates some services are covered, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) partially covers Skilled Nursing Facility (SNF) services, though additional days beyond the Medicare-covered limit are not covered. Prior authorization is required, and patients are subject to Medicare-defined copays and coinsurance.
Other Services See details
UHC Dual Complete AL-D001 (HMO-POS D-SNP) partially covers Other Services, offering meal benefits and over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture and highly integrated SNP services are not covered under this plan.
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