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UHC Complete Care CO-19 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care CO-19 (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 CO-19 (HMO-POS C-SNP) in 2026, please refer to our full plan details page.
UHC Complete Care CO-19 (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 Select Counties in Colorado. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Complete Care CO-19 (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 CO-19 (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 CO-19 (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 CO-19 (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 Maximum Out-Of-Pocket cost of $4200.00 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 CO-19 (HMO-POS C-SNP) prescription drug plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, you will enjoy no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs are also highly affordable, with a $5 copay for a 1-month supply at standard pharmacies and no copay for a 3-month supply filled via preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 21% coinsurance, while Tier 4 non-preferred drugs carry a 43% coinsurance for a 1-month supply. Specialty drugs in Tier 5 require a 28% coinsurance for a 1-month supply across standard pharmacies and mail order options.
Additional Benefits
The UHC Complete Care CO-19 (HMO-POS C-SNP) plan offers comprehensive coverage featuring no copays for primary care visits, routine eye exams, and preventive services. Inpatient hospital stays require a $325 daily copay for the first six days, after which there is no copay up to day 90. Specialist visits range from no copay to a $30 copay, while emergency care carries a $150 copay that is waived upon hospital admission. Many outpatient and supplemental benefits are highly affordable, with no copays for home health care, preventive dental, and select diagnostic lab tests. Specialized medical services like dialysis and durable medical equipment feature no copay alongside a 20% coinsurance. Members also benefit from extra perks like over-the-counter items and up to 24 routine transportation trips per year at no copay.
Inpatient Hospital See details
UHC Complete Care CO-19 (HMO-POS C-SNP) partially covers inpatient hospital services with no coinsurance, requiring a $325 daily copay for days 1 through 6 and no copay for days 7 through 90. While unlimited additional acute days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers outpatient services with no coinsurance, though prior authorization is required for most benefits. There is no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital services carry a copay of $0 to $325, and outpatient substance abuse sessions range from a $0 to $25 copay.
Partial Hospitalization See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations via taxi or medical transport with no copay or coinsurance, though trips to any health-related location are not covered.
Emergency Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from no copay to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits cost a $0 to $30 copay and no coinsurance. Physical, occupational, and speech therapies require a $30 copay and no coinsurance, and while some chiropractic services are covered, routine care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by UHC Complete Care CO-19 (HMO-POS C-SNP) with no copays and no coinsurance for covered benefits like annual physicals, kidney disease education, glaucoma screenings, and fitness benefits. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by UHC Complete Care CO-19 (HMO-POS C-SNP), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are partially covered with a copay of $199.00 to $1,249.00 and no coinsurance, excluding inner, outer, and over the ear types, while up to two OTC hearing aids per year are covered with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) provides partially covered vision services with no deductible, no coinsurance, and no copay for routine annual eye exams, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a $0 to $153 copay up to a $150 combined limit every two years, while other eye exam services, upgrades, and combined eyeglasses packages are not covered.
Dental Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) offers partially covered dental services, with Medicare-covered dental requiring no copay and a 20% coinsurance, and preventive services available with no copay and no coinsurance. However, restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B insulin drugs have a $35 copay and range from no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers medical equipment, with durable medical equipment and prosthetics requiring prior authorization, no copay, and a 20% coinsurance. Diabetic equipment, supplies, and therapeutic shoes or inserts also require prior authorization and are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers diagnostic procedures with a $35 copay and no coinsurance, while lab services and diagnostic radiological services are available with no copay. Outpatient X-rays require a $25 copay, and therapeutic radiological services carry a 20% coinsurance, with prior authorization required for these services.
Home Health Services See details
Home health services are covered by UHC Complete Care CO-19 (HMO-POS C-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) technically covers cardiac rehabilitation services with no copay, no coinsurance, and prior authorization required, but in practice, standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
UHC Complete Care CO-19 (HMO-POS C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
UHC Complete Care CO-19 (HMO-POS C-SNP) provides partial coverage for other services, featuring over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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