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UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Preferred Dual Complete FL-Y2 (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 Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Preferred Dual Complete FL-Y2 (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 Broward and Miami-Dade Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Preferred Dual Complete FL-Y2 (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 Preferred Dual Complete FL-Y2 (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 Preferred Dual Complete FL-Y2 (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 Preferred Dual Complete FL-Y2 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $615.00 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 Preferred Dual Complete FL-Y2 (HMO-POS D-SNP)
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Drug Coverage
The UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) plan features an annual prescription drug deductible of $615. Tier 1 preferred generic drugs are highly affordable under this plan, offering no copay for 1-month and 3-month supplies at standard pharmacies and standard mail order. For all other formulary tiers, including Tier 2 generics, Tier 3 preferred brands, Tier 4 non-preferred drugs, and Tier 5 specialty drugs, members will pay a 25% coinsurance. This 25% coinsurance rate applies to standard pharmacy and standard mail order options for both 1-month and 3-month supplies where applicable.
Additional Benefits
The UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) plan offers comprehensive coverage with no copays for many essential services, including primary care, specialist visits, telehealth, and home health care. Members also benefit from preventive care, routine vision exams with a $550 annual eyewear allowance, and up to $5,000 in dental services with no copays or coinsurance. For inpatient hospital stays, there is a $1,755 copay per admission, while emergency room visits carry a $115 copay that is waived upon admission. Many outpatient services, diagnostic lab tests, and over-the-counter items are covered with no copay, though some diagnostic procedures and medical equipment require a 20% coinsurance. The plan also features unlimited one-way transportation to approved health locations and skilled nursing facility stays with no copays or coinsurance. Other specialized care, such as dialysis and ambulance services, requires no copay but does carry a 20% coinsurance.
Inpatient Hospital See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with a $1,755 copay per admission and no coinsurance, subject to prior authorization. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers outpatient services with no copay, though coinsurance ranges from no coinsurance to 20% depending on the service. Covered benefits include outpatient hospital, ambulatory surgical center, substance abuse, and blood services, most of which require prior authorization.
Partial Hospitalization See details
The UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP), with ground and air ambulance services requiring a 20% coinsurance and no copay. Unlimited one-way transportation to plan-approved health-related locations is covered with no copay and no coinsurance, while transportation to other health-related locations is not covered.
Emergency Services See details
Emergency services under the UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) are covered with a $115 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 $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers primary care, specialist visits, telehealth, and opioid treatment with no copay and no coinsurance, though chiropractic services are not covered. Physical, occupational, speech, mental health, psychiatric, and podiatry services are also covered with no copay and coinsurance ranging from 0% to 20% depending on the service.
Preventive Services See details
Preventive services are partially covered under UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP), offering annual physicals, kidney education, fitness, and in-home support with no copay and no coinsurance. While digital rectal exams and post-welcome EKGs require a 20% coinsurance, excluded services include health education, PERS, in-home safety assessments, medical nutrition therapy, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, medication reconciliation, re-admission prevention, wigs, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing Services are partially covered by UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP), featuring routine hearing exams with no copay and 20% coinsurance, and prescription and OTC hearing aids with no copays or coinsurance. Fitting and evaluation services, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) provides partially covered vision services with no copay and no coinsurance, including one routine eye exam per year and a $550 annual limit for eyeglasses and contact lenses. Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered.
Dental Services See details
Dental services are partially covered by UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP), featuring Medicare-covered dental with no copay and a 20% coinsurance, as well as other preventive and comprehensive dental services with no copay and no coinsurance up to a $5,000 annual maximum. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers Home Infusion bundled Services with no copay, although prior authorization is required. Covered Medicare Part B drugs, including insulin, chemotherapy, and radiation drugs, carry no copay and a coinsurance ranging from 0% to 20%.
Dialysis Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require 20% coinsurance, with prior authorization required for medical equipment.
Diagnostic and Radiological Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers diagnostic and radiological services with prior authorization, offering lab services with no copay and diagnostic procedures with a copay and 20% coinsurance. Radiological services require no copays, featuring no coinsurance for diagnostic radiology and 20% coinsurance for therapeutic radiology and outpatient X-rays.
Home Health Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) covers Cardiac Rehabilitation Services with no copay, but some services are covered while standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) partially covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization is required. While the plan allows for admission without a prior three-day inpatient hospital stay, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Preferred Dual Complete FL-Y2 (HMO-POS D-SNP) offers partially covered other services, including over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other additional services are not covered, and prior authorization is required for the meal benefit.
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