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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 $23.00. 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) plan features an annual drug deductible of $270. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay for standard pharmacy fills and standard mail-order services. This makes everyday generic prescriptions highly affordable and accessible for plan members. Higher-tier medications require coinsurance rather than a flat copayment. You will pay a 25% coinsurance for Tier 3 preferred brand drugs, 44% coinsurance for Tier 4 non-preferred drugs, and 30% coinsurance for Tier 5 specialty medications. These coinsurance rates apply to standard pharmacy and standard mail-order options for the designated supply durations.
Additional Benefits
The UHC Complete Care FL-14 (HMO-POS C-SNP) offers affordable coverage for core medical needs, featuring no copays and no coinsurance for primary care visits, preventive services, and routine eye exams. For inpatient hospital stays, members pay a daily copay of $195 for the first five days and no copay thereafter, while emergency services carry a $150 copay that is waived upon admission. Specialist visits and outpatient hospital services are also highly accessible, with copays ranging from no copay up to $30 and $195 respectively, with no coinsurance required. Ancillary care like preventive dental and routine vision exams are covered with no copays or coinsurance, though Medicare-covered dental services and durable medical equipment require a 20% coinsurance. Diabetic supplies and home health services are fully covered with no copays and no coinsurance. Additionally, prescription hearing aids are available with copays ranging from $199 to $1,249, helping members easily manage their out-of-pocket healthcare expenses.
Inpatient Hospital See details
Inpatient hospital services are partially covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with no coinsurance, requiring a $195 daily copay for days 1-5 and no copay for days 6-90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services covered by UHC Complete Care FL-14 (HMO-POS C-SNP) feature no coinsurance, with outpatient hospital and observation service copays ranging from no copay to $195. Ambulatory surgical center and blood services require no copay, while outpatient substance abuse services carry a copay of $15 for group sessions and up to $25 for individual sessions.
Partial Hospitalization See details
Partial hospitalization services are covered by UHC Complete Care FL-14 (HMO-POS C-SNP) for a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers ground and air ambulance services with a $145 copay and no coinsurance, though prior authorization is required and the copay is not waived upon admission. Some transportation services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $65 and 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) features primary care, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, mental health, podiatry, and physical therapy are available with no coinsurance and copays ranging from $0 to $30. For chiropractic benefits, some services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with no copay and no coinsurance for covered benefits, including annual physicals, kidney disease education, glaucoma screenings, diabetes self-management, EKGs, fitness benefits, and home safety devices. However, several sub-services are not covered under this plan, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and nutritional or dietary benefits.
Hearing Services See details
Hearing services are partially covered by UHC Complete Care FL-14 (HMO-POS C-SNP), featuring one routine hearing exam annually with no copay and no coinsurance, though fitting and evaluation exams 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 models are not covered.
Vision Services See details
Vision services are partially covered by UHC Complete Care FL-14 (HMO-POS C-SNP), featuring no deductibles, no coinsurance, and no copays for annual routine eye exams. Eyewear is covered up to a $150 combined limit every two years with no copay for contact lenses and frames and a $0 to $153 copay for lenses, while other eye exam services, upgrades, and combined 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 Medicare-covered dental care with no copay and a 20% coinsurance, as well as preventive dental services with no copay and no coinsurance. Sub-services that are not covered include other diagnostic, restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services.
Home Infusion bundled Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Covered Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization and a referral are required to access this benefit.
Medical Equipment See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance. Diabetic equipment, supplies, and therapeutic shoes are also covered with no copay and no coinsurance, though prior authorization is required for these medical equipment benefits.
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. Diagnostic tests and outpatient X-rays require a $5 copay, therapeutic radiological services require a $20 copay, and lab services and diagnostic radiological services are covered with no copay.
Home Health Services See details
Home health services are covered by UHC Complete Care FL-14 (HMO-POS C-SNP) with no copay and no coinsurance. This coverage requires both prior authorization and a referral.
Cardiac Rehabilitation Services See details
UHC Complete Care FL-14 (HMO-POS C-SNP) does not provide coverage for Cardiac Rehabilitation Services. This means there is no coverage for sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
UHC Complete Care FL-14 (HMO-POS C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 copayment for days 21 through 100. Prior authorization and referrals are required, and additional days beyond the standard 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. However, acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
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