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UHC Dual Complete AL-D002 (PPO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete AL-D002 (PPO 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 AL-D002 (PPO D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete AL-D002 (PPO D-SNP) is a PPO D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties of Alabama. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Dual Complete AL-D002 (PPO 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 AL-D002 (PPO 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 AL-D002 (PPO 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 AL-D002 (PPO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $17.30. 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 combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Dual Complete AL-D002 (PPO D-SNP) offers an Enhanced Alternative prescription drug benefit with an annual drug deductible of $615.00. Once you meet this deductible, you will generally pay a 25% coinsurance for preferred generic, standard generic, preferred brand, and non-preferred drugs at standard pharmacies. This initial coverage phase continues until your total drug costs reach $2,100.00, though your premium may be reduced to $17.30 if you qualify for the low-income subsidy. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D prescription drugs. This means you will have no copay for standard covered medications once you reach this spending threshold. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefits.
Additional Benefits
The UHC Dual Complete AL-D002 (PPO D-SNP) offers robust medical coverage with no copay for primary care, specialists, and outpatient services, though some outpatient services may require up to 20% coinsurance. Inpatient hospital stays carry a $2,210 copay per acute stay and a $2,080 copay per psychiatric stay with no coinsurance. Emergency care requires a $115 copay that is waived upon admission, while routine preventive services and home health care are available with no copay or coinsurance. For extra wellness benefits, the plan provides routine vision and dental care with no copay or coinsurance, offering up to a $150 annual limit for eyewear and a $1,500 annual limit for dental services. Members also benefit from hearing aid coverage up to $2,200 every two years, over-the-counter items with no copay, and 24 one-way trips to plan-approved locations. Other essential services, including durable medical equipment, dialysis, and Medicare-covered dental care, require a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by UHC Dual Complete AL-D002 (PPO D-SNP), featuring a $2,210 copay and no coinsurance per acute stay, and a $2,080 copay and no coinsurance per psychiatric stay. Additional acute days are covered with no copay and no coinsurance, while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
UHC Dual Complete AL-D002 (PPO D-SNP) covers outpatient services with no copays, with coinsurance ranging from no coinsurance up to 20% depending on the service. Covered benefits include outpatient hospital, observation, ambulatory surgical center, outpatient substance abuse, and outpatient blood services, most of which require prior authorization.
Partial Hospitalization See details
Partial hospitalization benefits are covered by UHC Dual Complete AL-D002 (PPO D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by UHC Dual Complete AL-D002 (PPO D-SNP), though transportation is only partially covered because trips to any health-related location are not covered. Ground and air ambulance services require a 20% coinsurance and no copay, while up to 24 one-way trips to plan-approved locations are provided with no copay and no coinsurance.
Emergency Services See details
Emergency services are covered by UHC Dual Complete AL-D002 (PPO D-SNP) 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 ranging from no copay to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Dual Complete AL-D002 (PPO D-SNP) covers primary care, specialist, and mental health services with no copays and coinsurance ranging from no coinsurance to 20%. Chiropractic services are partially covered because routine chiropractic care is not covered, while telehealth and opioid treatments have no copays, and physical, occupational, and speech therapies require a 20% coinsurance.
Preventive Services See details
Preventive services are partially covered by UHC Dual Complete AL-D002 (PPO D-SNP), with no copay or coinsurance for annual physicals, fitness benefits, and glaucoma screenings, though a 20% coinsurance applies to digital rectal exams and post-welcome visit EKGs. Sub-services that are not covered include health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, tobacco cessation, disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
UHC Dual Complete AL-D002 (PPO D-SNP) provides coverage for annual routine hearing exams with no copay and 20% coinsurance, plus OTC and prescription hearing aids with no copay up to a $2,200 limit every two years. However, fitting or evaluation services and specific inner, outer, or over-the-ear prescription hearing aid types are not covered.
Vision Services See details
UHC Dual Complete AL-D002 (PPO D-SNP) partially covers vision services, offering routine eye exams and select eyewear with no copay, no coinsurance, and no deductible. Covered eyewear includes contact lenses, eyeglass lenses, and frames up to a $150 annual limit, but upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by UHC Dual Complete AL-D002 (PPO D-SNP), with implant services and orthodontics excluded from coverage. Medicare-covered dental services require a 20% coinsurance and no copay, while other covered dental services feature no copay and no coinsurance up to a $1,500 annual limit.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by UHC Dual Complete AL-D002 (PPO D-SNP), requiring prior authorization and potentially step therapy. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by UHC Dual Complete AL-D002 (PPO D-SNP) with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Dual Complete AL-D002 (PPO D-SNP) covers durable medical equipment (DME), prosthetics, medical supplies, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, and prior authorization is required for medical equipment benefits.
Diagnostic and Radiological Services See details
UHC Dual Complete AL-D002 (PPO D-SNP) covers diagnostic and radiological services, with prior authorization required for both categories. Diagnostic procedures and tests require a copay and 20% coinsurance, lab services feature no copay, and radiological services require no copay with coinsurance ranging from no coinsurance up to 20%.
Home Health Services See details
Home Health Services are covered by UHC Dual Complete AL-D002 (PPO D-SNP) with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the UHC Dual Complete AL-D002 (PPO D-SNP) plan, meaning members have no copay or coinsurance because all sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are excluded from coverage.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete AL-D002 (PPO D-SNP) partially covers Skilled Nursing Facility (SNF) services, which require prior authorization and are subject to Medicare-defined copays and coinsurance. A prior three-day inpatient hospital stay is not required for admission, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by UHC Dual Complete AL-D002 (PPO D-SNP), which provides over-the-counter items and meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered.
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