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UHC Dual Complete FL-D002 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete FL-D002 (HMO-POS D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Dual Complete FL-D002 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete FL-D002 (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Dual Complete FL-D002 (HMO-POS D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Dual Complete FL-D002 (HMO-POS D-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 Dual Complete FL-D002 (HMO-POS D-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 Dual Complete FL-D002 (HMO-POS D-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 $0.20. 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 $442.00 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 $9250.00 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 Dual Complete FL-D002 (HMO-POS D-SNP)
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Drug Coverage
The UHC Dual Complete FL-D002 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $442. Under this plan, members pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when filled as a 1-month or 3-month supply at standard pharmacies. Additionally, these generic medications carry no copay for a 3-month supply filled through standard mail order. For higher-tier prescriptions, cost-sharing is based on a percentage of the drug's cost. Tier 3 preferred brand drugs require a 25% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs also require a 25% coinsurance for a 1-month supply at standard pharmacies and through standard mail order.
Additional Benefits
The UHC Dual Complete FL-D002 (HMO-POS D-SNP) offers comprehensive healthcare coverage with no copays for primary care, home health, and skilled nursing facility services. While inpatient hospital stays require a $1,965 copayment per admission, most outpatient, diagnostic, and preventive services feature no copays, though some may carry a coinsurance of up to 20%. Emergency room visits have a $100 copay, which is waived if you are admitted, while urgent care services are available with a copay of up to $40. This plan also provides strong supplemental benefits, including routine dental, vision, and hearing care with no copays or coinsurance. Members can take advantage of a $2,000 annual dental limit, a $300 yearly eyewear allowance, up to $2,200 for hearing aids every two years, and up to 36 one-way transportation trips to plan-approved locations. Additionally, over-the-counter items and chronic illness meals are fully covered with no copay or coinsurance.
Inpatient Hospital See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with a $1,965 copayment per admission and no coinsurance. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric hospital days are not covered.
Outpatient Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) covers outpatient services with no copay, though coinsurance ranging from no coinsurance up to 20% may apply. Covered benefits include outpatient hospital care, ambulatory surgical center services, outpatient substance abuse treatment, and blood services, which generally require prior authorization and referrals.
Partial Hospitalization See details
Partial hospitalization services are covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 36 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) covers emergency services with a $100 copay (waived if admitted within 24 hours) and urgently needed services with a copay of up to $40, both with no coinsurance and without counting toward the plan deductible. Worldwide emergency, urgent, and transportation services are also covered with no copay and no coinsurance.
Primary Care See details
Primary care services under UHC Dual Complete FL-D002 (HMO-POS D-SNP) are partially covered, featuring no copays across all services and coinsurance ranging from no coinsurance up to 20%. While most services like primary care visits, therapy, and telehealth are covered, other chiropractic services are not covered under the plan.
Preventive Services See details
Preventive services are partially covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP), offering no copay and no coinsurance for annual physical exams, fitness benefits, and kidney disease education. While digital rectal exams and post-welcome visit EKGs require a 20% coinsurance and no copay, other sub-services such as health education, personal emergency response systems, and nutritional/dietary benefits are not covered.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP) with no copay, no coinsurance, and no deductible for covered services. Members receive one routine hearing exam annually and up to two prescription or OTC hearing aids every two years (up to a $2,200 maximum limit), but fitting and evaluation exams, along with inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) offers partially covered vision services with no copay and no coinsurance, which includes one annual routine eye exam and a $300 yearly allowance for contact lenses, upgrades, and eyeglasses (lenses and frames). Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered.
Dental Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) partially covers dental services with no copay and no coinsurance up to a maximum benefit of $2,000 per year. While preventive and comprehensive services like cleanings and exams are covered, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP) with no copay, though prior authorization is required. Under this benefit, Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete FL-D002 (HMO-POS D-SNP) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required for coverage of these services.
Medical Equipment See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance, subject to prior authorization. Diabetic supplies and therapeutic shoes are also covered under this plan with no copay and no coinsurance, though brand limitations apply and prior authorization is required.
Diagnostic and Radiological Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) covers diagnostic and radiological services with prior authorization, offering diagnostic radiology with no copay and no coinsurance, and lab services with no copay. Therapeutic radiology and outpatient X-rays require no copay and a 20% coinsurance, while diagnostic tests require both a copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP) with no copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP) with no copay, though some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance. Prior authorization and referrals are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by UHC Dual Complete FL-D002 (HMO-POS D-SNP) with no copay and no coinsurance, though prior authorization and referrals are required. While standard Medicare-covered days are covered without requiring a prior three-day hospital stay, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
UHC Dual Complete FL-D002 (HMO-POS D-SNP) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though meals require prior authorization. Acupuncture, dual-eligible highly integrated services, and other additional services under this category are not covered.
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* 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.
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