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UHC Preferred Dual Complete FL-Y3 (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-Y3 (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-Y3 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Preferred Dual Complete FL-Y3 (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 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 Dual Complete FL-Y3 (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-Y3 (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-Y3 (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-Y3 (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. Additionally, this plan comes with a Part B Premium reduction of $0.30. 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 $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-Y3 (HMO-POS D-SNP)
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Drug Coverage
The UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, members enjoy no copay for one-month and three-month supplies at standard pharmacies, as well as for three-month standard mail-order supplies. This helps keep essential, commonly used medications highly affordable for plan members. For higher-tier medications, including Tier 2 generics, Tier 3 preferred brands, Tier 4 non-preferred drugs, and Tier 5 specialty drugs, members typically pay a 25% coinsurance. This 25% coinsurance rate applies to standard pharmacy purchases and standard mail-order services depending on the tier and supply duration. These clear cost-sharing tiers make it easy to project your potential out-of-pocket prescription expenses.
Additional Benefits
The UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) plan offers comprehensive coverage with many services featuring no copay and low out-of-pocket costs. Most routine care, including primary visits, outpatient services, and home health care, requires no copay, though some services may carry a coinsurance ranging from 0% to 20%. For emergency care, there is a $115 copay that is waived upon admission, while inpatient hospital stays require a $2,045 copay per stay with no coinsurance. Supplemental benefits under this plan provide valuable savings, including routine dental and vision care with no copay and no coinsurance, plus a $450 annual limit for eyewear and a $5,000 annual maximum for dental services. Additionally, members benefit from unlimited taxi or medical transport rides to approved locations and prescription hearing aids with no copays. Durable medical equipment and dialysis are covered with no copay and a 20% coinsurance, while diagnostic tests may require a copay and a minimum 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) with a $2,045 copayment per stay and no coinsurance for Medicare-covered acute and psychiatric admissions. While unlimited additional acute hospital days are covered with no copay, prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) covers outpatient services with no copays, though prior authorization and coinsurance ranging from 0% to 20% apply to most services. This includes outpatient hospital care, ambulatory surgical center visits, outpatient substance abuse treatment, and outpatient blood services, all of which feature no copay and coinsurance up to 20%.
Partial Hospitalization See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering unlimited one-way rides to plan-approved locations via taxi or medical transport with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have no coinsurance and a copay ranging from no copay up to $40, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) covers primary care, specialist, and telehealth services with no copays and coinsurance ranging from 0% to 20%, though chiropractic services are not covered in practice. Physical, occupational, and speech therapies, along with mental health and podiatry services, are also covered with no copays and up to 20% coinsurance.
Preventive Services See details
Preventive Services under UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) are largely covered with no copays and no coinsurance, including annual physical exams, kidney disease education, and fitness benefits. Some additional benefits are not covered, such as health education and personal emergency response systems, while digital rectal exams and EKGs following a welcome visit require a 20% coinsurance.
Hearing Services See details
Hearing services are partially covered by UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP), featuring routine hearing exams once per year with no copay and a 20% coinsurance. Prescription and OTC hearing aids are covered with no copay and no coinsurance, though fitting and evaluation exams, 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-Y3 (HMO-POS D-SNP) vision services are partially covered with no deductible, no copay, and no coinsurance, offering one routine eye exam per year and a $450 annual limit for contacts and eyeglasses. Other eye exam services, eyeglass lenses, and eyeglass frames are not covered.
Dental Services See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) offers partially covered dental services with no copay and 20% coinsurance for Medicare-covered dental, and no copay and no coinsurance for preventive and comprehensive services up to a $5,000 annual maximum. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) covers Home Infusion bundled Services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including insulin and chemotherapy, feature no copay and a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Dialysis services are covered by UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Medical equipment is covered under the UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) plan with no copay, although a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Prior authorization is required for these benefits, and diabetic supplies are covered with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) with prior authorization, featuring no copay for lab services and a copay with 20% minimum coinsurance for diagnostic tests. Radiological services require no copay, offering diagnostic radiology with no coinsurance, while therapeutic radiology and outpatient X-rays carry a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) with no copay and require prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by UHC Preferred Dual Complete FL-Y3 (HMO-POS D-SNP) with no coinsurance and Medicare-defined copayments, though prior authorization is required. The plan allows for admission without a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Preferred Dual Complete FL-Y3 (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 prior authorization is required for meals. Acupuncture and other additional services under this category are not covered.
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