Peoples Health Complete Care LA-5 (HMO-POS C-SNP)

Peoples Health Complete Care LA-5 (HMO-POS C-SNP) is a HMO-POS C-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Greater New Orleans and Baton Rouge area. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Peoples Health Complete Care LA-5 (HMO-POS C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Peoples Health Complete Care LA-5 (HMO-POS C-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.

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:

Drug Coverage

The Peoples Health Complete Care LA-5 (HMO-POS C-SNP) plan features an annual prescription drug deductible of $355. Under this plan, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies and through mail order. Tier 2 generic drugs require a low $5 copay for a 1-month supply at standard pharmacies, but you can enjoy no copay for a 3-month supply when using preferred mail order. For brand-name and specialty medications, the plan utilizes coinsurance to determine your out-of-pocket costs. Tier 3 preferred brand drugs carry a 23% coinsurance, while Tier 4 non-preferred drugs require a 46% coinsurance. Tier 5 specialty drugs are covered with a 29% coinsurance for a 1-month supply across standard pharmacies and mail order options.

Additional Benefits

Peoples Health Complete Care LA-5 (HMO-POS C-SNP) offers comprehensive medical coverage with affordable out-of-pocket costs, featuring no copay and no coinsurance for primary care, preventive care, and home health services. Inpatient hospital stays require a $95 daily copay for the first 10 days followed by no copay, while outpatient hospital services range from no copay to a $125 copay. Emergency room visits have a $150 copay, which is waived if you are admitted, and worldwide emergency care is covered with no copays. For specialty care, routine hearing and vision exams have no copay, and the plan includes a $200 allowance for eyewear and up to a $4,000 annual limit for preventive dental services. Prescription hearing aids and comprehensive dental services are partially covered with varying copays or up to 50% coinsurance. Durable medical equipment, prosthetics, and dialysis services require a 20% coinsurance with no copay, ensuring essential medical needs remain accessible.