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Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Peoples Health Dual Complete LA-S5 (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 Dual Complete LA-S5 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
Peoples Health Dual Complete LA-S5 (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 Dual Complete LA-S5 (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 Dual Complete LA-S5 (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 Dual Complete LA-S5 (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 Dual Complete LA-S5 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $32.90. 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 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:
Sign up for Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) plan features an annual drug deductible of $615. Under this plan, you will pay no copay for Tier 1 preferred generic drugs when using standard pharmacies or standard mail order services. This makes managing your essential generic prescriptions highly affordable. For other prescription tiers, including generic, preferred brand, non-preferred, and specialty drugs, you will pay a 25% coinsurance. This 25% coinsurance rate applies to 1-month and 3-month fills at standard pharmacies and standard mail order, depending on the specific tier of your medication.
Additional Benefits
The Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) plan offers comprehensive medical coverage, including inpatient hospital stays with an $1,835 copay per admission and outpatient services with no copays and up to 20% coinsurance. Doctor visits, specialist consultations, and home health services are available with no copays, while emergency room visits carry a $115 copay that is waived if you are admitted. Skilled nursing facility care is also fully covered with no copayment or coinsurance. This plan features valuable everyday benefits, such as routine dental care up to a $3,000 annual maximum and routine vision care with a $250 annual eyewear allowance, both with no copays or coinsurance. Additionally, members receive no-copay routine hearing exams, hearing aid coverage up to two devices every two years, and up to 60 one-way trips annually to plan-approved locations. Over-the-counter items and chronic illness meal benefits are also included with no copays or coinsurance to support your daily wellness.
Inpatient Hospital See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with an $1,835 copay per admission and no coinsurance, subject to prior authorization. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers outpatient services with no copays, though prior authorization is required for most care. Covered benefits, including outpatient hospital, ambulatory surgical center, substance abuse, and blood services, are subject to coinsurance ranging from no coinsurance to 20%.
Partial Hospitalization See details
Partial hospitalization is covered by Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Peoples Health Dual Complete LA-S5 (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 with no copay or coinsurance for up to 60 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Peoples Health Dual Complete LA-S5 (HMO-POS 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 of $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers primary care, specialist, psychiatric, and physical therapy services with no copays and coinsurance ranging from 0% to 20%. Chiropractic services are partially covered with no copay and 20% coinsurance, though routine chiropractic care and other chiropractic services are not covered. Telehealth and opioid treatment services are also available with no copays and no coinsurance.
Preventive Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) preventive services are partially covered, offering annual physicals, fitness benefits, and glaucoma screenings with no copays and no coinsurance. Digital rectal exams and post-welcome visit EKGs require a 20% coinsurance with no copay, while sub-services like health education, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) partially covers hearing services, offering one annual routine exam with no copay, a 20% coinsurance, and no deductible, though fitting and evaluation exams are not covered. OTC and prescription hearing aids are covered with no copay or coinsurance for up to two devices every two years (with a $2,200 prescription limit), but inner ear, outer ear, and over the ear prescription models are excluded.
Vision Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers vision services with no copay and no coinsurance, including one routine eye exam and a $250 annual limit for contacts, eyeglass lenses, and frames. This benefit is partially covered because other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP), offering Medicare-covered dental care with no copay and a 20% coinsurance. Other preventive and comprehensive dental services are covered with no copay and no coinsurance up to a $3,000 annual maximum, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and radiation, have no copay and up to 20% coinsurance (with no coinsurance in some cases), while Part B insulin has a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are offered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) with prior authorization, featuring no copay and no coinsurance for diagnostic radiological services. Other services, including diagnostic tests, therapeutic radiology, and outpatient X-rays, require a minimum 20% coinsurance (with diagnostic tests also requiring a copay), while lab services are covered with no copay but do require coinsurance.
Home Health Services See details
Home health services are covered under the Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers some cardiac rehabilitation services with no copay and prior authorization, but standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease are not covered and require 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copayment and no coinsurance, though prior authorization is required. The plan allows admission without a prior three-day inpatient hospital stay, but additional days beyond Medicare-covered limits are not covered.
Other Services See details
Peoples Health Dual Complete LA-S5 (HMO-POS D-SNP) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other miscellaneous services are not covered under this plan, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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