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UHC Dual Complete ME-S2 (PPO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete ME-S2 (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 ME-S2 (PPO D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete ME-S2 (PPO D-SNP) is a PPO D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Maine. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Dual Complete ME-S2 (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 ME-S2 (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 ME-S2 (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 ME-S2 (PPO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $21.70. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.40. 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 ME-S2 (PPO D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, members enjoy no copay for one-month and three-month supplies at standard pharmacies, as well as no copay for three-month standard mail order deliveries. This plan provides an exceptionally affordable option for those relying primarily on preferred generic medications. For higher-tier medications, including Tier 2 generic, Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, a consistent 25% coinsurance applies to standard pharmacy and standard mail order fills. This 25% coinsurance rate is standard across both one-month and three-month supplies where applicable under the initial coverage phase. Knowing these cost-sharing structures helps you accurately plan for your annual healthcare expenses under this Medicare plan.
Additional Benefits
The UHC Dual Complete ME-S2 (PPO D-SNP) plan offers comprehensive medical coverage with no copays for primary care, specialist visits, outpatient services, and skilled nursing facility stays. While many routine medical and home health services feature no copay or coinsurance, inpatient hospital stays require a flat copayment of up to $2,140 per stay. Emergency care is covered with a $115 copay, which is waived upon hospital admission, while urgent care costs up to a $40 copay. For supplemental care, the plan provides preventive dental, routine vision, and hearing aid coverage with no copay and no coinsurance, subject to specific benefit limits. Diagnostic services, medical equipment, and dialysis are covered with no copay but generally require a 20% coinsurance. Additionally, members benefit from no-copay over-the-counter items and up to 24 one-way transportation trips per year to plan-approved locations.
Inpatient Hospital See details
UHC Dual Complete ME-S2 (PPO D-SNP) covers inpatient hospital services with no coinsurance, requiring a copayment of $2,140 per stay for acute care and $2,080 per stay for psychiatric care. The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, though unlimited additional acute care days are covered with no copay.
Outpatient Services See details
UHC Dual Complete ME-S2 (PPO D-SNP) covers outpatient services with no copays, with coinsurance ranging from no coinsurance up to 20% depending on the service. Covered benefits include outpatient hospital, ambulatory surgical center, substance abuse, and blood services, most of which require prior authorization and feature no deductibles.
Partial Hospitalization See details
UHC Dual Complete ME-S2 (PPO D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
UHC Dual Complete ME-S2 (PPO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services to plan-approved health-related locations are covered with no copay and no coinsurance for up to 24 one-way trips per year, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered under the UHC Dual Complete ME-S2 (PPO D-SNP) plan with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from no copay to $40, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care and specialist services under the UHC Dual Complete ME-S2 (PPO D-SNP) plan feature no copays, with coinsurance ranging from 0% to 20% depending on the provider. Physical, occupational, and speech therapies require a 20% coinsurance with no copay, while telehealth and opioid treatments have no copay and no coinsurance, and chiropractic services are not covered.
Preventive Services See details
UHC Dual Complete ME-S2 (PPO D-SNP) covers preventive services, offering annual physical exams, kidney disease education, and select supplemental benefits like fitness and weight management programs with no copays and no coinsurance. These additional preventive services are only partially covered, excluding options such as health education, personal emergency response systems, and alternative therapies. While most covered preventive services have no copays or coinsurance, certain services like digital rectal exams and post-welcome visit EKGs require a 20% coinsurance.
Hearing Services See details
Hearing Services are partially covered by UHC Dual Complete ME-S2 (PPO D-SNP), featuring one routine hearing exam per year with a 20% coinsurance and no copay, though fitting and evaluation exams are not covered. Up to two OTC and two prescription hearing aids are covered every two years with no copay and no coinsurance up to a $1,500 combined limit, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by UHC Dual Complete ME-S2 (PPO D-SNP) with no copay and no coinsurance, providing one routine eye exam per year and a $200 annual combined limit for contact lenses, eyeglass lenses, and eyeglass frames. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by UHC Dual Complete ME-S2 (PPO D-SNP), offering Medicare-covered dental services with no copay and a 20% coinsurance, and preventive services like cleanings and exams with no copay and no coinsurance. However, restorative, endodontic, periodontic, prosthodontic, oral surgery, implant, orthodontic, and other diagnostic dental services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Dual Complete ME-S2 (PPO D-SNP) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, carry no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by UHC Dual Complete ME-S2 (PPO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
UHC Dual Complete ME-S2 (PPO D-SNP) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Dual Complete ME-S2 (PPO D-SNP) with prior authorization required. Diagnostic procedures and tests require a copay and 20% coinsurance, lab services have no copay, and while diagnostic radiological services have no copay or coinsurance, therapeutic radiology and outpatient X-rays require 20% coinsurance and no copay.
Home Health Services See details
Home health services are covered by UHC Dual Complete ME-S2 (PPO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under UHC Dual Complete ME-S2 (PPO D-SNP) require prior authorization and have no copay, meaning some services are covered. However, 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 ME-S2 (PPO D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization is required. This benefit is partially covered because additional days beyond the Medicare-covered limit are not covered, though a prior three-day inpatient hospital stay is not required.
Other Services See details
UHC Dual Complete ME-S2 (PPO D-SNP) partially covers other services, offering over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance. Acupuncture and other additional services are not covered, and the meal benefit requires prior authorization.
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