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UHC Complete Care FL-14 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care FL-14 (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 FL-14 (HMO-POS C-SNP) in 2026, please refer to our full plan details page.
UHC Complete Care FL-14 (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 Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Complete Care FL-14 (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 FL-14 (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 FL-14 (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 FL-14 (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. Additionally, this plan comes with a Part B Premium reduction of $26.00. 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:
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Drug Coverage
The UHC Complete Care FL-14 (HMO-POS C-SNP) Medicare plan features an annual drug deductible of $270. For Tier 1 preferred generic and Tier 2 generic medications, members pay no copay for 1-month or 3-month supplies at standard pharmacies and through standard mail order. This makes essential generic prescriptions highly affordable and accessible under this plan. For higher-tier medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 25% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs incur coinsurance rates of 44% and 30% respectively for a 1-month supply. These percentage-based costs apply to both standard pharmacy fills and standard mail order deliveries.
Additional Benefits
The UHC Complete Care FL-14 (HMO-POS C-SNP) plan offers comprehensive medical coverage with highly affordable cost-sharing options, including no copay or coinsurance for primary care, telehealth, preventive services, and home health care. Specialist visits and outpatient diagnostic services are also very accessible, with copays ranging from only $0 to $25 and no coinsurance. For inpatient hospital stays, members pay a $275 daily copay for the first six days and no copay for the remaining covered days. This plan also includes valuable supplemental benefits, featuring no copay or coinsurance for preventive dental care up to a $2,500 annual limit and routine vision exams. Additionally, members can benefit from routine hearing exams with no copay, alongside coverage for hearing aids and over-the-counter items. Diabetic equipment and supplies are fully covered with no copay and no coinsurance, while other durable medical equipment requires a standard 20% coinsurance.
Inpatient Hospital See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance and a $275 daily copay for days 1 to 6, with no copay for days 7 to 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
Outpatient services are covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Copays range from $0 to $275 for outpatient hospital and observation services, and up to $25 for outpatient substance abuse sessions, with prior authorization or referrals required for most treatments.
Partial Hospitalization See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by UHC Complete Care FL-14 (HMO-POS C-SNP), featuring a $125 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. For transportation, some services are covered, but trips to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
UHC Complete Care FL-14 (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 range from no copay to a $65 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Complete Care FL-14 (HMO-POS C-SNP) offers primary care, telehealth, and opioid treatment services with no copay and no coinsurance. Specialist visits, mental health, and physical therapy services feature copays ranging from $0 to $25 with no coinsurance, while chiropractic benefits are only partially covered as routine and other chiropractic services are not covered.
Preventive Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive services are partially covered with no copay and no coinsurance for fitness benefits and home safety devices, but sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, 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, and counseling are not covered.
Hearing Services See details
UHC Complete Care FL-14 (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. The plan also covers up to two prescription hearing aids (copays from $199.00 to $1,249.00) and two OTC hearing aids (copays from $199.00 to $829.00) annually with no coinsurance, though inner, outer, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by UHC Complete Care FL-14 (HMO-POS C-SNP), offering one annual routine eye exam and contact lenses with no copay, no coinsurance, and no deductible. Covered eyeglass frames and lenses have no coinsurance and copays ranging from $0 to $153 up to a $150 allowance every two years, but other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) partially covers dental services, offering no copay and no coinsurance for preventive and diagnostic benefits up to a $2,500 annual limit. Medicare-covered dental services require no copay and 20% coinsurance, while covered comprehensive services have no copay and 50% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with no copay, though prior authorization is required. Covered Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have a coinsurance of 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the UHC Complete Care FL-14 (HMO-POS C-SNP) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic equipment and supplies are also covered under this plan with no copay and no coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Under this plan, diagnostic procedures and outpatient X-rays have a $5 copay, therapeutic radiological services have a $25 copay, and lab services and diagnostic radiology are available with no copay.
Home Health Services See details
Home Health Services are covered under the UHC Complete Care FL-14 (HMO-POS C-SNP) plan with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers Cardiac Rehabilitation Services with no coinsurance and no copay, but some services are covered while cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. Prior authorization and referrals are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) partially covers other services, offering 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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