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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 2026, 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 2026.
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 $440.00 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 $5900.00 (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 $5900.00 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 Complete Care AL-5 (HMO-POS C-SNP) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. After meeting this deductible, you enter the initial coverage phase where Tier 1 preferred generic drugs have no copay at standard pharmacies. For Tier 2 standard generic drugs, you will pay a 23% coinsurance. For other tiers, the plan charges a 47% coinsurance for Tier 3 preferred brands and a 28% coinsurance for Tier 4 non-preferred drugs at standard pharmacies. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The UHC Complete Care AL-5 (HMO-POS C-SNP) plan offers robust coverage for everyday healthcare needs, featuring no copay or coinsurance for primary care visits, annual physical exams, and home health services. Specialist visits, diagnostic tests, and urgent care require low copays with no coinsurance, while emergency room visits carry a $130 copay that is waived if you are admitted. For hospital stays, members pay a daily copay of $455 for the first few days of inpatient care, after which there is no copay or coinsurance. Routine dental cleanings, annual eye exams, and routine hearing exams are available with no copay and no coinsurance, although advanced services like hearing aids and select dental procedures require additional copays or coinsurance. Durable medical equipment, dialysis, and therapeutic radiological services are covered with a 20% coinsurance and no copay. Additionally, the plan provides benefits for over-the-counter items, meals, and skilled nursing facility stays, which feature no copay for the first 20 days.
Inpatient Hospital See details
UHC Complete Care AL-5 (HMO-POS C-SNP) partially covers inpatient hospital benefits with no coinsurance, requiring a $455 daily copay for days 1-6 of acute stays (no copay for days 7-999) and a $455 daily copay for days 1-5 of psychiatric stays (no copay for days 6-90). Non-Medicare-covered stays, acute upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) covers outpatient services with no coinsurance, although prior authorization is required for most care. Copayments range from no copay for ambulatory surgical center and blood services, up to $25 for outpatient substance abuse sessions, and up to $455 for outpatient hospital and daily observation services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by UHC Complete Care AL-5 (HMO-POS C-SNP) for a $55 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered.
Emergency Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay.
Primary Care See details
UHC Complete Care AL-5 (HMO-POS C-SNP) covers primary care and telehealth services with no copay or coinsurance, while specialist visits, therapies, and mental health services require copays between $0 and $30 with no coinsurance. Chiropractic services are partially covered under this plan, as routine chiropractic care is not covered.
Preventive Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) covers core preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive services are partially covered, offering fitness benefits and home safety modifications with no copay, while other services like health education, personal emergency response systems, and weight management programs are not covered.
Hearing Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) partially covers hearing services, offering one routine hearing exam per year with no copay or coinsurance, though fitting and evaluation exams are not covered. Additionally, 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 models are excluded.
Vision Services See details
Vision services are partially covered by UHC Complete Care AL-5 (HMO-POS C-SNP), featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses, with no coinsurance for any of these services. While eyewear includes a combined $250 maximum benefit every two years, upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by UHC Complete Care AL-5 (HMO-POS C-SNP), featuring preventive care like exams, cleanings, and x-rays with no copay and no coinsurance, and Medicare-covered dental services at a 20% coinsurance and no copay. Orthodontics, restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery 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) with prior authorization required. Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the UHC Complete Care AL-5 (HMO-POS C-SNP) plan with a 20% coinsurance and no copay. Prior authorization is required for these services.
Medical Equipment See details
Medical Equipment benefits are covered by UHC Complete Care AL-5 (HMO-POS C-SNP), including durable medical equipment, prosthetics, and medical supplies, which require a 20% coinsurance and no copay. Diabetic supplies, therapeutic shoes, and inserts are covered with no copay and no coinsurance, though prior authorization is required for these services.
Diagnostic and Radiological Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) covers diagnostic and radiological services with prior authorization required. Lab services feature no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, and outpatient X-rays cost a $25 copay and no coinsurance, while diagnostic radiological services carry a copay of $0 to $260 with no coinsurance and therapeutic radiological services require a 20% coinsurance and no copay.
Home Health Services See details
UHC Complete Care AL-5 (HMO-POS C-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 by UHC Complete Care AL-5 (HMO-POS C-SNP) with prior authorization required, though in practice, some services are covered while Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. Because these specific services are not covered, there are no associated copays or coinsurance.
Skilled Nursing Facility (SNF) See details
UHC Complete Care AL-5 (HMO-POS C-SNP) partially covers Skilled Nursing Facility (SNF) services, as additional days beyond Medicare-covered services are not covered. Prior authorization is required, and there is no copay or coinsurance for days 1 to 20, followed by a $218 daily copay and no coinsurance for days 21 to 100.
Other Services See details
UHC Complete Care AL-5 (HMO-POS C-SNP) partially covers Other Services, providing over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and dual eligible SNPs with highly integrated services are not covered under this plan.
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