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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 2026, 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 2026.
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 $16.60. 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 $6700.00 (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 $6700.00 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-V001 (HMO-POS D-SNP) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $615.00. After meeting this deductible, you will pay a 25% coinsurance for covered medications in Tiers 1 through 4 at standard pharmacies during the initial coverage phase. This cost-sharing structure remains active until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy, also known as Extra Help, can see their Part D premium reduced to $16.60. This plan provides a predictable way to manage your healthcare expenses with clear coverage stages.
Additional Benefits
The UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan offers comprehensive coverage with no copay for primary care visits, preventive services, and home health care. Inpatient hospital stays require a $295 copay for the first seven days and no copay for days eight through 90, while emergency room visits carry a $130 copay which is waived if you are admitted. Outpatient services and specialist visits feature low to moderate copays and no coinsurance, making routine medical care highly affordable. For additional routine care, members benefit from no copay on annual eye exams, routine hearing tests, and preventive dental services, alongside up to 24 free one-way transportation trips to approved locations. While medical equipment, dialysis, and Medicare-covered dental services require a 20% coinsurance, other perks like over-the-counter items and post-discharge meals are provided at no cost. Skilled nursing facilities are also covered with no copay for the first 20 days, followed by a daily copay of $218.
Inpatient Hospital See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) partially covers inpatient hospital benefits, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Covered acute and psychiatric stays require a $295 copay for days 1-7, no copay for days 8-90, and no coinsurance.
Outpatient Services See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) covers outpatient services with no coinsurance and copays ranging from $0 to $295. Members pay no copay for ambulatory surgical center and blood services, a $295 daily copay for observation services, and copays up to $295 for outpatient hospital services and $25 for substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by UHC Dual Complete AL-V001 (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 AL-V001 (HMO-POS D-SNP) covers ground and air ambulance services with a $290 copay and no coinsurance. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, while trips to other health-related locations are not covered.
Emergency Services See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require no copay to a $50 copay 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-V001 (HMO-POS D-SNP) provides primary care benefits with no coinsurance, featuring no copay for primary care visits, telehealth, and opioid treatment. Specialty, therapy, and mental health services have copays ranging from $0 to $30, while chiropractic care is partially covered with a $15 copay because routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by UHC Dual Complete AL-V001 (HMO-POS D-SNP) with no copay and no coinsurance for covered benefits like annual physicals, weight management, and fitness programs. Sub-services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, smoking cessation counseling, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete AL-V001 (HMO-POS D-SNP), which offers one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription or OTC hearing aids are covered annually with copays ranging from $199.00 to $1,249.00 and no coinsurance, but inner ear, outer ear, and over-the-ear prescription hearing aids are excluded.
Vision Services See details
Vision Services are covered by UHC Dual Complete AL-V001 (HMO-POS D-SNP), offering no copay and no coinsurance for annual routine eye exams and eyeglass frames. Eyewear benefits are partially covered up to a $150 combined limit every two years with no copay for contact lenses and a $0 to $153 copay for eyeglass lenses, though bundled eyeglasses and upgrades are not covered.
Dental Services See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) offers partially covered dental services, featuring preventive care like exams, cleanings, x-rays, and fluoride with no copay or coinsurance. Medicare-covered dental services require a 20% coinsurance and no copay, while restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, maxillofacial prosthetics, adjunctive general, and orthodontic services are not covered.
Home Infusion bundled Services See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) covers home infusion bundled services with prior authorization, offering chemotherapy, radiation, and other Part B drugs with no copay and no coinsurance to 20% coinsurance. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan with a 20% coinsurance and no copay. Prior authorization is required to receive these services.
Medical Equipment See details
Medical Equipment benefits are covered by UHC Dual Complete AL-V001 (HMO-POS D-SNP), with prior authorization required for most items. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts require a 20% coinsurance and no copay, while diabetic supplies are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Dual Complete AL-V001 (HMO-POS D-SNP) with prior authorization required. Lab services require no copay or coinsurance, diagnostic procedures require a $50 copay and no coinsurance, outpatient X-rays cost a $25 copay and no coinsurance, diagnostic radiological services have a $0 to $260 copay and no coinsurance, and therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by UHC Dual Complete AL-V001 (HMO-POS D-SNP) with no copay and no coinsurance. Prior authorization is required before you can receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the UHC Dual Complete AL-V001 (HMO-POS D-SNP) plan. This includes cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services, none of which are covered by the plan.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and no coinsurance. Prior authorization is required, and the benefit is partially covered as additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Dual Complete AL-V001 (HMO-POS D-SNP) partially covers other services, providing over-the-counter items and meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with highly integrated services are not covered by this plan.
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