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Peoples Health Secure Health (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Peoples Health Secure Health (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 Peoples Health Secure Health (HMO-POS D-SNP) in 2025, please refer to our full plan details page.
Peoples Health Secure Health (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 State of Louisiana. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Peoples Health Secure Health (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:
Peoples Health Secure Health (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 Peoples Health Secure Health (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 Peoples Health Secure Health (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $55.60. 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 $590.00 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 $4100.00 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 Peoples Health Secure Health (HMO-POS D-SNP) plan has a $590 deductible for prescription drugs. After the deductible is met, you will pay the costs for your drugs based on the tier and pharmacy you use. Once your total drug costs reach $2000, you enter the next coverage phase. After your yearly out-of-pocket drug costs reach $2000, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The Peoples Health Secure Health (HMO-POS D-SNP) plan offers a wide range of benefits. Inpatient hospital stays have a $110 copay for days 1-10, and no copay for the remaining days. Outpatient, primary care, preventive, hearing, vision, dental, home health, and dialysis services all have no copay. The plan also includes coverage for ambulance and transportation services, emergency services, partial hospitalization, medical equipment, diagnostic and radiological services, home infusion services, cardiac rehabilitation services, skilled nursing facility, and other services, each with various copays, coinsurance, and prior authorization requirements.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, with a copay of $110 for days 1-10, and no copay for days 11-90. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with copays ranging from $0 to $110, and no coinsurance. Ambulatory Surgical Center (ASC) Services, Outpatient Blood Services, and Individual and Group Sessions for Outpatient Substance Abuse are covered, with copays ranging from $0 to $25, and no coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered by the Peoples Health Secure Health (HMO-POS D-SNP) plan, with a $10 copay, and requires prior authorization.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Peoples Health Secure Health (HMO-POS D-SNP) plan. Ground and Air Ambulance Services have a $275 copay, while Transportation Services to a plan-approved health-related location has no copay for up to 36 one-way trips per year. Transportation Services to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services has a $140 copay, while Urgently Needed Services has a copay between $0 and $65. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The Peoples Health Secure Health (HMO-POS D-SNP) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Primary care physician services, chiropractic services, physician specialist services, and additional telehealth benefits have no copay. Occupational therapy services and physical therapy and speech-language pathology services have a copay between $0 and $5. Mental health specialty services have a copay between $0 and $25, depending on the service, and psychiatric services have a copay between $0 and $25. Other Health Care Professional and Opioid Treatment Program Services have no copay. Routine chiropractic care is not covered, and podiatry services are not covered.
Preventive Services See details
Preventive Services include annual physical exams with no copay, and additional preventive services, including Fitness Benefit and Home and Bathroom Safety Devices and Modifications, with no copay. Additional services such as Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay. Prescription hearing aids are partially covered, with a copay between $199 and $1249, but inner ear, outer ear, and over the ear hearing aids are not covered. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision services include coverage for eye exams and eyewear. Eye exams have no copay. Eyewear includes contact lenses, eyeglass lenses, and eyeglass frames, all with no copay. Eyeglass frames are limited to one every two years, and eyeglass lenses are limited to one pair every two years. However, eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services include coverage for Medicare Dental Services with no copay, as well as other dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, oral and maxillofacial surgery, and prosthodontics (removable and fixed) with no copay, and a 0-50% coinsurance for some services. Implant and orthodontic services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, coinsurance ranges between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Peoples Health Secure Health (HMO-POS D-SNP) plan. There is no copay for dialysis services.
Medical Equipment See details
Medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, is covered by the Peoples Health Secure Health (HMO-POS D-SNP) plan. Durable medical equipment, prosthetics, and medical supplies have no coinsurance, while diabetic equipment has a copay. Durable medical equipment for use outside of the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a $25 copay, and lab services with no copay. Diagnostic radiological services have a copay of at most $250, while therapeutic radiological services have a coinsurance of at least 20%. Outpatient X-ray services have a $15 copay.
Home Health Services See details
Home Health Services are covered by the Peoples Health Secure Health (HMO-POS D-SNP) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not in practice as Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Peoples Health Secure Health (HMO-POS D-SNP) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $100.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and Meal Benefits, with no copay for either. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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