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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 2025, 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 2025.
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 $34.80. 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 $590.00 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 $9350.00 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 AL-D001 (HMO-POS D-SNP) plan has a $590 deductible for prescription drugs. After you meet the deductible, you will pay the costs for drugs in each tier until your total drug costs reach $2000. The plan's premium may be reduced if you qualify for the low-income subsidy (LIS). With LIS, you will pay $34.80 per month. Once your yearly out-of-pocket drug costs reach $2000, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan offers a wide range of healthcare benefits. This plan includes coverage for inpatient and outpatient services, with copays and coinsurance varying depending on the service. Emergency, preventive, and home health services often have no copay, while other services like hearing, vision, and dental have specific allowances and copays. The plan also covers home infusion services, dialysis, medical equipment, and diagnostic services, typically with coinsurance requirements. Additionally, this plan provides benefits for ambulance and transportation services and other services like over-the-counter items and a meal benefit. However, some services, such as Cardiac Rehabilitation Services, are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, as well as Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered. For Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, you will pay a copay of $1665.00 per admission or stay for Medicare-covered stays, and for Additional Days for Inpatient Hospital-Acute, you will have no copay for days 91-999.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a coinsurance between 0% and 20%, observation services with a 20% coinsurance, ambulatory surgical center services with a coinsurance between 0% and 20%, individual outpatient substance abuse sessions with a coinsurance between 0% and 20%, group outpatient substance abuse sessions with a 20% coinsurance, and outpatient blood services with a 20% coinsurance. This plan also waives the deductible for three pints of blood.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance services with a 20% coinsurance, and transportation services to a plan-approved health-related location with no copay. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan. Emergency Services has a $110 copay, while Urgently Needed Services have a copay between $0 and $45; there is no coinsurance for either. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services are covered. Primary Care Physician Services and Physician Specialist Services have a coinsurance between 0% and 20%, while Chiropractic Services and Routine Foot Care have a 20% coinsurance, Individual and Psychiatric Sessions have a coinsurance between 0% and 20%, and Group Sessions have a 20% coinsurance. Additional Telehealth Benefits have no copay, and Opioid Treatment Program Services have no copay.
Preventive Services See details
Preventive Services include coverage for Medicare-covered zero dollar services, annual physical exams with no copay, and additional preventive services. Additional preventive services, including fitness benefits, remote access technologies, and home and bathroom safety devices and modifications are covered with no copay. Other preventive services, such as glaucoma screenings, diabetes self-management training, and barium enemas, are covered with no copay, while digital rectal exams and EKG following a welcome visit have 20% coinsurance.
Hearing Services See details
Hearing Services include Routine Hearing Exams with no copay, and Prescription Hearing Aids with a $2,200 annual allowance. Fitting/Evaluation for Hearing Aid, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear benefits. Eye exams have no copay, while routine eye exams are limited to one per year. Eyewear has no copay, with a combined maximum of $300 per year for contact lenses, eyeglass lenses, and eyeglass frames; eyeglass frames are limited to one per year. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services are covered, including Medicare Dental Services with 20% coinsurance. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, and oral and maxillofacial surgery are covered with no copay. However, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
The UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan covers Home Infusion bundled Services, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME and Prosthetic Devices have a 20% coinsurance, Medical Supplies have a 20% coinsurance, and Diabetic Supplies have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan. Diagnostic Procedures/Tests have a coinsurance of at most 20%, while Lab Services have no copay. Diagnostic Radiological Services have a coinsurance of at most 20% with a minimum coinsurance of 0%, while Therapeutic Radiological Services and Outpatient X-Ray Services have a coinsurance of at most 20% with a minimum coinsurance of 20%.
Home Health Services See details
Home Health Services are covered by the UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan. Some services are covered but not in practice, including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but this plan does not provide SNF services as a supplemental benefit under Part C, and additional days beyond Medicare-covered and non-Medicare-covered stays are not covered. The copay is determined by Medicare, and prior authorization is required.
Other Services See details
The UHC Dual Complete AL-D001 (HMO-POS D-SNP) plan covers over-the-counter (OTC) items with no copay and a meal benefit with no copay, though prior authorization is required. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and many other services are not covered.
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