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UHC Preferred Complete Care FL-0003 (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Preferred Complete Care FL-0003 (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Preferred Complete Care FL-0003 (HMO C-SNP) in 2026, please refer to our full plan details page.
UHC Preferred Complete Care FL-0003 (HMO C-SNP) is a HMO C-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Miami-Dade County. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Preferred Complete Care FL-0003 (HMO 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 Preferred Complete Care FL-0003 (HMO 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 Preferred Complete Care FL-0003 (HMO 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 Preferred Complete Care FL-0003 (HMO 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. Additionally, this plan comes with a Part B Premium reduction of $39.00. 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2900.00 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 Preferred Complete Care FL-0003 (HMO C-SNP) plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately. For Tier 1 preferred generics, Tier 2 generics, and Tier 3 preferred brand drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, as well as no copay for a 3-month supply via standard mail order. This plan provides highly affordable access to many commonly prescribed medications. Higher-tier medications on this plan require coinsurance instead of a flat copay. Tier 4 non-preferred drugs carry a 40% coinsurance for a 1-month supply at standard pharmacies and standard mail order. Tier 5 specialty drugs require a 33% coinsurance for a 1-month supply through both standard pharmacy and standard mail order channels.
Additional Benefits
The UHC Preferred Complete Care FL-0003 (HMO C-SNP) plan offers comprehensive coverage with no copay and no coinsurance for many core medical services, including inpatient hospital stays, primary care, specialist visits, and diagnostic testing. Outpatient hospital services feature low copays ranging from no copay up to seventy-five dollars, while emergency room visits require an eighty-dollar copay that is waived if you are admitted. Ambulance services carry a one-hundred-twenty-dollar copay, but the plan provides up to sixty free one-way transportation trips to plan-approved locations. For supplemental care, routine dental, vision, and preventive services are covered with no copay, alongside a three-hundred-dollar allowance for eyewear. Prescription hearing aids require copays starting at one-hundred-ninety-nine dollars, while dialysis and Medicare Part B drugs may require up to twenty percent coinsurance. Skilled nursing facility care has no copay for the first twenty days, and durable medical equipment is fully covered with no copay or coinsurance.
Inpatient Hospital See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers inpatient acute and psychiatric hospital stays with no copay and no coinsurance, though prior authorization is required. Unlimited additional days for acute stays are covered with no copay and no coinsurance, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers outpatient services with no coinsurance, although prior authorization is required for most services. There is no copay for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services, while outpatient hospital services range from a $0 to $75 copay and outpatient observation services require a $75 daily copay.
Partial Hospitalization See details
Partial hospitalization services are covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP) with no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP), featuring a $120 copay and no coinsurance for both ground and air ambulance services. Transportation services are partially covered with no copay and no coinsurance for up to 60 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers emergency services with an $80 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $0 to $5 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers primary care, specialist visits, physical therapy, mental health, and telehealth services with no copay and no coinsurance. Chiropractic services are not covered, but other benefits like podiatry are covered with no copay and no coinsurance, though referrals or prior authorizations may be required.
Preventive Services See details
Preventive Services are partially covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, fitness benefits, and home safety devices. However, several additional preventive services are not covered, including health education, personal emergency response systems (PERS), medical nutrition therapy, weight management programs, alternative therapies, and in-home support services.
Hearing Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) partially covers hearing services, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are covered up to two per year with a $199.00 to $1,249.00 copay and no coinsurance, but inner ear, outer ear, and over the ear models are not covered. OTC hearing aids are also covered up to two per year with a copay of $199.00 to $829.00 and no coinsurance.
Vision Services See details
Vision services are covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP) with no copay and no coinsurance, including one routine eye exam per year and a $300 annual limit for contacts, upgrades, and complete eyeglasses. Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered under this benefit.
Dental Services See details
Dental services are partially covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP) with no copay and no coinsurance for covered treatments, though prior authorization is required for certain services. Covered benefits include routine exams, cleanings, x-rays, fluoride, restorative care, removable prosthodontics, and oral surgery, while other diagnostic and preventive services, endodontics, periodontics, implants, fixed prosthodontics, maxillofacial prosthetics, adjunctive general services, and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers home infusion bundled services with no copay, requiring prior authorization. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and from no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the UHC Preferred Complete Care FL-0003 (HMO C-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers durable medical equipment and diabetic equipment with no copay and no coinsurance. Medical supplies are covered with no copay, and prosthetic devices are covered with a 0% to 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers diagnostic and radiological services, including lab services, diagnostic procedures, therapeutic radiology, and outpatient X-rays, with no copay and no coinsurance. Prior authorization is required for these covered services.
Home Health Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
UHC Preferred Complete Care FL-0003 (HMO C-SNP) offers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $25 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by UHC Preferred Complete Care FL-0003 (HMO C-SNP), which offers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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