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UHC Dual Complete AL-V001 (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-V001 (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-V001 (HMO-POS D-SNP) in 2025, please refer to our full plan details page.
UHC Dual Complete AL-V001 (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 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-V001 (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-V001 (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-V001 (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-V001 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $40.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.30. 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 $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 $5900.00 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-V001 (HMO-POS D-SNP) plan has a $590 deductible for prescription drugs. If you qualify for the low-income subsidy, you will pay $40.00. After the deductible is met, you will pay the costs for drugs in each tier until your total drug costs reach $2000.00, at which point you enter the next coverage phase. Once your yearly out-of-pocket drug costs reach $2000.00, you will pay nothing for Medicare Part D covered drugs. Please check the plan’s formulary for specific drugs covered and their associated costs.
Additional Benefits
The UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan offers comprehensive coverage with a focus on affordability. This plan features no copays for many services, including primary care visits, preventive services, outpatient substance abuse, and home health services. Additionally, it provides coverage for inpatient hospital stays, outpatient services, and emergency services, with varying copays depending on the specific service. The plan also includes benefits for hearing, vision, and dental care. Hearing exams, eye exams, and many dental services have no copay, while prescription hearing aids and eyewear have set copays and allowances. The plan covers ambulance and transportation services, and offers coverage for home infusion and dialysis services.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you'll pay a $195 copay for days 1-7, and no copay for days 8-90, while additional days (91-999) have no copay; however, Non-Medicare-covered stays and upgrades are not covered. For Inpatient Hospital Psychiatric, you'll pay a $195 copay for days 1-7, and no copay for days 8-90, but additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay between $0 and $195, observation services with a $195 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with no copay, and outpatient blood services with no copay. Prior authorization is required for all services.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
The UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan covers ambulance services with a $290 copay for both ground and air ambulance services, and transportation services to a plan-approved health-related location with no copay for up to 24 one-way trips per year. Transportation services to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan. Emergency Services have a $125 copay, and Urgently Needed Services have a copay between $0 and $50. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan covers primary care physician services with no copay, chiropractic services with a $20 copay (routine care is not covered), occupational therapy services with a copay between $0 and $20, and physician specialist services with a copay between $0 and $20. Mental health specialty services, including individual and group sessions, have no copay, while podiatry services have a $20 copay, and routine foot care is covered. Other health care professional services, individual and group psychiatric sessions, and opioid treatment program services also have no copay. Physical therapy and speech-language pathology services have a copay between $0 and $20, and additional telehealth benefits have no copay.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and additional preventive services. Other preventive services such as Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit are covered with no copay.
Hearing Services See details
Hearing Services include hearing exams, prescription hearing aids, and OTC hearing aids. Hearing exams have no copay, and routine hearing exams are covered once per year. Prescription hearing aids have a copay between $199 and $1249 for all types, and are covered twice per year, but inner ear, outer ear, and over the ear hearing aids are not covered. OTC hearing aids have a copay between $99 and $829, and you are allowed 2 per year.
Vision Services See details
Vision Services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear, including contact lenses, eyeglass lenses, and eyeglass frames, has a combined maximum plan benefit of $250 every two years, with no copay for contact lenses and eyeglass frames, and a copay of $0 - $153 for eyeglass lenses. Eyeglasses upgrades are not covered.
Dental Services See details
The UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan covers a variety of dental services, including oral exams, dental X-rays, and cleanings with no copay, but some services like implant services and orthodontics are not covered. Prosthodontics, removable and fixed are covered with a coinsurance of 0% - 50%.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but prior authorization is required. The plan covers Medicare Part B Insulin Drugs with a $35 copay and between 0% and 20% coinsurance, and it covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with between 0% and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan, but require prior authorization. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with varying cost sharing. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including diagnostic procedures/tests, and outpatient X-ray services, are covered by this plan. Diagnostic procedures/tests have a copay of $45, while outpatient X-ray services have a $25 copay; diagnostic radiological services may have a copay up to $250. Lab services have no copay. Therapeutic Radiological Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered under the UHC Dual Complete AL-V001 (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 covered, but the plan does not cover any of the sub-services, 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. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, with a $0 copay for days 1-20 and a $203 copay for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The "Other Services" benefit for UHC Dual Complete AL-V001 (HMO-POS D-SNP) covers Over-the-Counter (OTC) Items and Meal Benefits with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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