A non-government entity
UHC Preferred Medicare Advantage FL-002P (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Preferred Medicare Advantage FL-002P (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Preferred Medicare Advantage FL-002P (HMO) in 2026, please refer to our full plan details page.
UHC Preferred Medicare Advantage FL-002P (HMO) is a HMO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Palm Beach County. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Preferred Medicare Advantage FL-002P (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Preferred Medicare Advantage FL-002P (HMO).
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 Medicare Advantage FL-002P (HMO), 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 $19.00. 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 a $270.00 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 $3400.00 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:
Sign up for UHC Preferred Medicare Advantage FL-002P (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The UHC Preferred Medicare Advantage FL-002P (HMO) plan features an annual prescription drug deductible of $270. Under this plan, you will enjoy no copay for Tier 1 preferred generic and Tier 2 generic medications when using standard pharmacies for 1-month or 3-month supplies, as well as for 3-month standard mail orders. This makes managing everyday prescription medications highly affordable. For higher-tier medications, costs transition to coinsurance rates rather than flat copays. Tier 3 preferred brand drugs require a 19% coinsurance for standard pharmacy and mail order fills, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 41% and 30% coinsurance respectively for 1-month supplies.
Additional Benefits
The UHC Preferred Medicare Advantage FL-002P (HMO) plan offers comprehensive medical coverage with many essential services requiring no copay and no coinsurance. You will pay no copay for primary care visits, preventive services, home health care, and routine dental, vision, and hearing exams. For more intensive care, inpatient hospital stays require a $195 daily copay for days 1 through 5, while specialist visits feature low copays ranging from no copay to $15. Emergency care is available with a $150 copay that is waived upon admission, and ambulance services require a $120 copay. While most diagnostic services and medical supplies have no copay, durable medical equipment and dialysis require a 20% coinsurance with no copay. Additionally, the plan provides extra value through 36 free one-way transportation trips per year and covered over-the-counter items with no copay.
Inpatient Hospital See details
UHC Preferred Medicare Advantage FL-002P (HMO) offers partially covered inpatient hospital services with no coinsurance and a copay of $195 per day for days 1 through 5, and no copay for days 6 through 90. While unlimited additional acute care days are covered at no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers outpatient services with no coinsurance, although prior authorization is required for most of these benefits. There is no copay for ambulatory surgical center and blood services, while copays range from $0 to $195 for outpatient hospital services, $195 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers partial hospitalization services with a $20.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers ground and air ambulance services with a $120 copay and no coinsurance, though prior authorization is required. Transportation services are partially covered, providing up to 36 one-way trips per year to plan-approved locations with no copay and no coinsurance, while trips to non-approved health-related locations are not covered.
Emergency Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $15 copay and no coinsurance. Physical, occupational, and speech therapies have a $10 copay and no coinsurance, whereas some chiropractic services are covered but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) preventive services are covered with no copay and no coinsurance for annual physical exams, kidney disease education, and glaucoma screenings. This benefit is partially covered because several services, including health education, weight management programs, personal emergency response systems, and counseling, are not covered.
Hearing Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers one routine hearing exam annually with no copay and no coinsurance, although fitting and evaluation services are not covered. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copays ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the UHC Preferred Medicare Advantage FL-002P (HMO) plan, offering no copays, no coinsurance, and no deductibles for covered care. Eligible benefits include one annual routine eye exam (prior authorization required) and eyewear up to a $100 yearly limit, while other eye exams, separate eyeglass lenses, and separate eyeglass frames are not covered.
Dental Services See details
Dental services are partially covered by UHC Preferred Medicare Advantage FL-002P (HMO) with no copay and no coinsurance for covered benefits such as exams, cleanings, x-rays, fluoride, restorative care, removable prosthodontics, and oral surgery. However, several sub-services are not covered, including other diagnostic, other preventive, adjunctive general, endodontics, periodontics, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Preferred Medicare Advantage FL-002P (HMO) with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy and other drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by UHC Preferred Medicare Advantage FL-002P (HMO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Preferred Medicare Advantage FL-002P (HMO) covers medical equipment with prior authorization, including durable medical equipment and diabetic therapeutic shoes for no copay and 20% coinsurance. Prosthetic devices require no copay and range from no coinsurance to 20% coinsurance, while medical and diabetic supplies are available with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Preferred Medicare Advantage FL-002P (HMO) with no coinsurance, though prior authorization is required. Lab services and diagnostic radiological services feature no copay, outpatient X-rays and diagnostic tests require a $5 copay, and therapeutic radiology carries a $25 copay.
Home Health Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) 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 Preferred Medicare Advantage FL-002P (HMO) 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) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by UHC Preferred Medicare Advantage FL-002P (HMO) with no coinsurance, offering no copay for days 1 to 20 and a $150 daily copay for days 21 to 100. Prior authorization is required, and additional days beyond the standard 100-day benefit are not covered.
Other Services See details
UHC Preferred Medicare Advantage FL-002P (HMO) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved