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UHC Dual Complete MS-S3 (PPO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete MS-S3 (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 MS-S3 (PPO D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete MS-S3 (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 in Mississippi. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Dual Complete MS-S3 (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 MS-S3 (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 MS-S3 (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 MS-S3 (PPO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $23.80. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.70. 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 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 MS-S3 (PPO D-SNP) prescription drug plan features an annual drug deductible of $615. Under this plan, you will pay no copay for Tier 1 preferred generic drugs when using a standard pharmacy or standard mail-order service. This makes essential preferred generic medications highly affordable and accessible for members. For Tier 2 generic, Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, members are responsible for a 25% coinsurance. This 25% coinsurance rate applies to standard retail pharmacy fills and standard mail-order options for covered tiers. This consistent cost-sharing structure helps you easily predict your out-of-pocket costs for brand-name and specialty medications.
Additional Benefits
The UHC Dual Complete MS-S3 (PPO D-SNP) plan offers comprehensive coverage with many services requiring no copay, though coinsurance and specific copays apply to select benefits. Inpatient hospital stays require a $1,780 copay per stay with no coinsurance, while outpatient hospital services, primary care, and specialist visits feature no copays and coinsurance ranging from 0% to 20%. Emergency care is available with a $115 copay that is waived upon admission, while urgent care and worldwide emergency services are covered with little to no copays and no coinsurance. For everyday health needs, this plan provides robust dental, vision, and hearing benefits, including a $3,000 annual dental allowance and a $350 vision allowance with no copays or coinsurance. Additionally, members benefit from no copays and no coinsurance for routine hearing aids up to $2,500 every two years, home health care, skilled nursing facility stays, and over-the-counter items. Other services like medical equipment and dialysis require no copay but are subject to a 20% coinsurance.
Inpatient Hospital See details
UHC Dual Complete MS-S3 (PPO D-SNP) inpatient hospital benefits are partially covered, requiring prior authorization with a $1,780 copay per stay and no coinsurance for Medicare-covered acute and psychiatric admissions. Additional acute days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by UHC Dual Complete MS-S3 (PPO D-SNP) with no copays, though coinsurance ranging from 0% to 20% applies to outpatient hospital, ambulatory surgical center, and outpatient substance abuse services. Outpatient blood services are also covered with no copay and a 20% coinsurance, and the deductible is waived for the first three pints of blood.
Partial Hospitalization See details
UHC Dual Complete MS-S3 (PPO D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
UHC Dual Complete MS-S3 (PPO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered, providing up to 36 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete MS-S3 (PPO 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 require a copay of $0 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 MS-S3 (PPO D-SNP) covers primary care, specialist, mental health, and therapy services with no copays and coinsurance ranging from 0% to 20%. Additional telehealth and opioid treatment services are available with no copay and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services under the UHC Dual Complete MS-S3 (PPO D-SNP) plan are partially covered, offering no copay and no coinsurance for annual physicals, kidney disease education, fitness benefits, and in-home support. While supplemental benefits like health education, personal emergency response systems, and nutritional counseling are not covered, a 20% coinsurance applies to digital rectal exams and post-welcome visit EKGs.
Hearing Services See details
UHC Dual Complete MS-S3 (PPO D-SNP) partially covers hearing services, providing one routine hearing exam annually with a 20% coinsurance and no copay, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no copay and no coinsurance up to a $2,500 limit every two years, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by UHC Dual Complete MS-S3 (PPO D-SNP) with no copay and no coinsurance, providing one routine eye exam annually and a $350 yearly allowance for contact lenses, eyeglass lenses, and frames. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
UHC Dual Complete MS-S3 (PPO D-SNP) offers partially covered dental services with an annual maximum benefit of $3,000 for both in-network and out-of-network care. Most diagnostic, preventive, and comprehensive dental services require no copay and no coinsurance, while Medicare-covered dental services have no copay and a 20% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Dual Complete MS-S3 (PPO D-SNP) covers home infusion bundled services with no copay, although prior authorization and step therapy are required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under UHC Dual Complete MS-S3 (PPO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
UHC Dual Complete MS-S3 (PPO D-SNP) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
UHC Dual Complete MS-S3 (PPO D-SNP) covers diagnostic services with prior authorization, requiring a copay and 20% coinsurance for procedures and tests, and no copay for lab services. Covered radiological services also require prior authorization and have no copays, featuring no coinsurance for diagnostic radiology and 20% coinsurance for therapeutic radiology and outpatient X-rays.
Home Health Services See details
Home Health Services are covered under the UHC Dual Complete MS-S3 (PPO D-SNP) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the UHC Dual Complete MS-S3 (PPO D-SNP) plan with no copay, but in practice only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete MS-S3 (PPO D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization is required. SNF admission is permitted 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 Dual Complete MS-S3 (PPO D-SNP) provides partial coverage for 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 is not covered under this benefit.
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