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Peoples Health Secure Complete (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Peoples Health Secure Complete (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 Complete (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
Peoples Health Secure Complete (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 2026.
It's important to know that Peoples Health Secure Complete (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 Complete (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 Complete (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 Complete (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $32.40. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.60. 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:
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Drug Coverage
The Peoples Health Secure Complete (HMO-POS D-SNP) plan features an annual drug deductible of $615 for prescription coverage. Under this plan, you will pay no copay for Tier 1 preferred generic drugs when using a standard pharmacy for a 1-month or 3-month supply, as well as for a 3-month supply through standard mail order. This makes managing your essential generic medications highly affordable. For Tier 2 generic drugs and Tier 3 preferred brand drugs, members are responsible for a 25% coinsurance for 1-month and 3-month supplies at standard pharmacies, as well as 3-month standard mail order refills. Tier 4 non-preferred drugs and Tier 5 specialty drugs also carry a 25% coinsurance for a 1-month supply. This consistent cost-sharing structure helps you easily project your out-of-pocket expenses for higher-tier medications.
Additional Benefits
The Peoples Health Secure Complete (HMO-POS D-SNP) plan offers comprehensive medical coverage, including inpatient hospital stays with a $1,970 copay per admission and outpatient services with no copay and up to 20% coinsurance. Doctor and specialist visits require no copay and up to 20% coinsurance, while home health and skilled nursing facility services are covered with no copay and no coinsurance. Emergency care is available with a $115 copay, which is waived if you are admitted, while urgent care services range from no copay up to a $40 copay. This plan also provides valuable everyday health benefits, including dental care with no copay and up to a $2,000 yearly limit for preventive and comprehensive services. Vision and hearing benefits feature no copay, including a $250 annual allowance for eyewear and up to a $1,500 hearing aid allowance every two years. Additionally, members can access up to 36 one-way transportation trips per year and select over-the-counter items with no copay and no coinsurance.
Inpatient Hospital See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers Medicare-covered inpatient acute and psychiatric hospital stays with a $1,970 copay per admission and no coinsurance, subject to prior authorization. This benefit is partially covered as non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered, though unlimited additional acute care days are provided with no copay.
Outpatient Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers outpatient services with no copay, though prior authorization is required and coinsurance ranges from no coinsurance to 20%. This coverage applies to outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services, all of which feature no copay and up to 20% coinsurance.
Partial Hospitalization See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered, offering up to 36 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Peoples Health Secure Complete (HMO-POS D-SNP) with a $115 copay (waived if admitted to the hospital within 24 hours) and no coinsurance. Urgently needed services feature a copay ranging from $0 to $40 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copays or coinsurance.
Primary Care See details
Primary care benefits under Peoples Health Secure Complete (HMO-POS D-SNP) feature no copay and 0% to 20% coinsurance for doctor and specialist visits, while telehealth and opioid treatments have no copay and no coinsurance. Therapy and mental health services also carry no copay and up to 20% coinsurance, and although some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by Peoples Health Secure Complete (HMO-POS D-SNP) with no copays and no coinsurance for annual physicals, kidney disease education, fitness, safety devices, weight management, caregiver support, and in-home support. However, the benefit is partially covered because digital rectal exams and post-welcome visit EKGs require a 20% coinsurance, and services such as health education, in-home safety assessments, PERS, nutritional therapy, medication reconciliation, readmission prevention, wigs, alternative therapies, therapeutic massage, adult day health, palliative care, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by Peoples Health Secure Complete (HMO-POS D-SNP), as hearing aid fitting and evaluation exams are not covered. Covered benefits include one annual routine hearing exam with a 20% coinsurance and no copay, as well as prescription and OTC hearing aids with no copay and no coinsurance up to a $1,500 maximum benefit every two years.
Vision Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) partially covers vision services with no copay, no coinsurance, and no deductible, providing one routine eye exam per year and a $250 annual limit for contacts, eyeglass lenses, and frames. Prior authorization is required for eye exams, and sub-services such as other eye exam services, upgrades, and packaged eyeglasses are not covered.
Dental Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) dental services are partially covered, as implant services and orthodontics are not covered. Medicare-covered dental services require no copay and a 20% coinsurance, while other covered preventive and comprehensive dental services have no copay and no coinsurance up to a $2,000 yearly maximum.
Home Infusion bundled Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs range from no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Peoples Health Secure Complete (HMO-POS D-SNP) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Peoples Health Secure Complete (HMO-POS D-SNP) with no copays, though a 20% coinsurance applies to durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts. Prior authorization is required for these services, and coverage may be limited to preferred vendors and manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Peoples Health Secure Complete (HMO-POS D-SNP) with prior authorization required. Lab services have no copay, and diagnostic radiological services feature no copay and no coinsurance, while diagnostic procedures require a copay and a 20% minimum coinsurance, and therapeutic radiological and outpatient X-ray services require no copay and a 20% minimum coinsurance.
Home Health Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers home health services with no copay and no coinsurance. Prior authorization is required for these covered services.
Cardiac Rehabilitation Services See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers some cardiac rehabilitation services with no copay and prior authorization required. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for peripheral artery disease services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Peoples Health Secure Complete (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, although prior authorization is required. This benefit does not require a prior three-day inpatient hospital stay, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Peoples Health Secure Complete (HMO-POS D-SNP), which offers over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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