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UHC Complete Care AL-5 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care AL-5 (HMO-POS C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Complete Care AL-5 (HMO-POS C-SNP) in 2025, please refer to our full plan details page.
UHC Complete Care AL-5 (HMO-POS C-SNP) is a HMO-POS C-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 Complete Care AL-5 (HMO-POS C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Complete Care AL-5 (HMO-POS C-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 Complete Care AL-5 (HMO-POS C-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 Complete Care AL-5 (HMO-POS C-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $340.00 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 $5400.00 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 Complete Care AL-5 (HMO-POS C-SNP) plan has a $340 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier. For example, you will pay no copay for preferred generic drugs at a standard pharmacy, a $47 copay for standard generic drugs, and a $100 copay for preferred brand drugs. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for Part D covered drugs.
Additional Benefits
The UHC Complete Care AL-5 (HMO-POS C-SNP) plan offers a wide range of benefits with varying costs. Inpatient hospital stays have a $350 copay for days 1-7, with no copay for most other days, while outpatient services have copays that range from $0 to $350. Emergency services have a $125 copay, and primary care, hearing, vision, and dental services are covered with no or low copays. The plan also includes coverage for services like ambulance, mental health, and home health with specific copays or coinsurance. Many preventive services are covered with no copay, along with hearing and vision exams, and dental services. However, certain services such as cardiac rehabilitation and some specialized treatments may not be covered or require prior authorization, so review the details to ensure the plan meets your needs.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a copay of $350 for days 1-7 and no copay for days 8-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Additional days 91-999 for Inpatient Hospital-Acute have no copay, while Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, offered by UHC Complete Care AL-5 (HMO-POS C-SNP), includes coverage for all outpatient hospital services, with a copay between $0 and $350, observation services with a $350 copay, and ambulatory surgical center services with no copay. Outpatient substance abuse services include individual sessions with a copay between $0 and $25, and group sessions with a $15 copay. Outpatient blood services are covered with no copay.
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 by the UHC Complete Care AL-5 (HMO-POS C-SNP) plan. Ground and air ambulance services have a $290 copay, and there is no coinsurance; however, 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 Complete Care AL-5 (HMO-POS C-SNP) plan. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $55. Worldwide Emergency Services have a copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, but the specific copay is not listed.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services are covered with a $20 copay, but Routine Chiropractic Care is not covered. Occupational Therapy Services, Physician Specialist Services, Physical Therapy, and Speech-Language Pathology Services are covered with a copay between $0 and $10. Mental Health Specialty Services and Psychiatric Services are covered, with individual sessions having a copay between $0 and $25, and group sessions having a $15 copay. Podiatry Services are covered with a $10 copay for Medicare-covered services and routine foot care. Other Health Care Professional and Opioid Treatment Program Services are covered with no copay. Additional Telehealth Benefits are covered with no copay.
Preventive Services See details
Preventive Services are covered, with no copay for annual physical exams, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visits. Additional preventive services, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, and telemonitoring services are not covered. Fitness benefits, Remote Access Technologies, and Home and Bathroom Safety Devices and Modifications have no copay. Counseling Services are also not covered.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered once per year. Prescription Hearing Aids (all types) are covered with a copay between $199 and $1249, and you can receive 2 hearing aids every year. OTC hearing aids are covered with a copay between $99 and $829.
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 includes contact lenses, eyeglass lenses, and eyeglass frames with no copay; however, eyeglass lenses are limited to one pair every two years, and eyeglass frames are limited to one frame every two years, with a combined maximum benefit of $200. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with 20% coinsurance. Other services include 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, all with no copay. However, Implant Services and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by UHC Complete Care AL-5 (HMO-POS C-SNP), including coverage for Insulin, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. You will pay a $35 copay for Medicare Part B Insulin Drugs, and coinsurance between 0% and 20% for other services.
Dialysis Services See details
Dialysis Services are covered by the UHC Complete Care AL-5 (HMO-POS C-SNP) plan, but require prior authorization. The plan has a coinsurance of 20% for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetic devices and medical supplies have a 20% coinsurance. Diabetic supplies and diabetic therapeutic shoes/inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay of $15, Lab Services with no copay, Diagnostic Radiological Services with a copay of at most $250, Therapeutic Radiological Services with a copay of at most $50, and Outpatient X-Ray Services with a copay of $5.
Home Health Services See details
Home Health Services are covered by the UHC Complete Care AL-5 (HMO-POS C-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 Complete Care AL-5 (HMO-POS C-SNP) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services offers coverage for over-the-counter items and meal benefits, with no copay for either. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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