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UHC Dual Complete MI-S3 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete MI-S3 (HMO 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 MI-S3 (HMO D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete MI-S3 (HMO D-SNP) is a HMO D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Michigan. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that UHC Dual Complete MI-S3 (HMO 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 MI-S3 (HMO 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 MI-S3 (HMO 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 MI-S3 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $8.80. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 UHC Dual Complete MI-S3 (HMO D-SNP) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as no copay for a 3-month supply through standard mail order. This plan offers strong cost savings on initial tier medications to help manage your healthcare budget. For Tier 2 generic and Tier 3 preferred brand drugs, you will pay a 25% coinsurance for both 1-month and 3-month fills at standard pharmacies and standard mail order. Tier 4 non-preferred drugs and Tier 5 specialty drugs also require a 25% coinsurance for a 1-month supply through standard pharmacies and standard mail order. These clear cost-sharing tiers help you easily project your out-of-pocket prescription costs under this Medicare plan.
Additional Benefits
The UHC Dual Complete MI-S3 (HMO D-SNP) plan offers comprehensive coverage featuring no copays for many essential services, including primary care visits, outpatient hospital services, and home health care, though coinsurance up to 20% may apply. Inpatient hospital stays require a $1,995 copayment per stay with no coinsurance, while emergency room visits carry a $115 copay that is waived upon admission. Skilled nursing facility stays and routine preventive services are fully covered with no copays or coinsurance. For supplemental care, the plan provides no-copay routine vision exams and a $200 annual allowance for eyewear, alongside hearing aid coverage up to $1,500 every two years with no copay or coinsurance. Medicare-covered dental services, dialysis, and durable medical equipment are covered with no copay and a 20% coinsurance. Additionally, members can access over-the-counter items and chronic illness meal benefits with no copay and no coinsurance.
Inpatient Hospital See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers inpatient acute and psychiatric hospital stays with a $1,995 copayment per stay and no coinsurance, requiring prior authorization. Unlimited additional acute care days are covered with no copay, but psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers outpatient services with no copayments, though coinsurance ranging from 0% to 20% and prior authorization may apply. Outpatient hospital, ambulatory surgical center, substance abuse, and blood services all feature no copays, with coinsurance varying between 0% and 20% depending on the service.
Partial Hospitalization See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered under the UHC Dual Complete MI-S3 (HMO 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 require a $0 to $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers primary care, specialist visits, therapy, and mental health services with no copays and coinsurance ranging from 0% to 20%. Additional telehealth and opioid treatment benefits are available with no copays and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers preventive services, offering annual physical exams and kidney disease education with no copay and no coinsurance. Additional preventive benefits are only partially covered, excluding services such as health education, personal emergency response systems, and medical nutrition therapy, while digital rectal exams and post-welcome visit EKGs require a 20% coinsurance and no copay.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete MI-S3 (HMO D-SNP), which offers one annual routine hearing exam with a 20% coinsurance and no copay, while fitting and evaluation exams are not covered. Prescription hearing aids (up to $1,500 every two years) and OTC hearing aids are covered with no copay and no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers vision services with no copay and no coinsurance, providing one routine eye exam and a $200 annual allowance for contact lenses, eyeglass lenses, and eyeglass frames. This benefit is partially covered, as other eye exams, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) partially covers dental services, offering Medicare-covered dental benefits with no copay and a 20% coinsurance, which requires prior authorization. Routine and comprehensive dental care—including oral exams, cleanings, x-rays, fluoride, restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery—is not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Dual Complete MI-S3 (HMO D-SNP) with no copay, though prior authorization and step therapy may be required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry no copay and coinsurance ranging from no coinsurance up to 20%, while covered Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Dual Complete MI-S3 (HMO D-SNP) with prior authorization. Diagnostic tests require a copay and 20% coinsurance, lab services have no copay but carry coinsurance, and radiological services have no copays, with 20% coinsurance for therapeutic and X-ray services and no coinsurance for diagnostic radiology.
Home Health Services See details
Home Health Services are covered under the UHC Dual Complete MI-S3 (HMO D-SNP) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers some cardiac rehabilitation services with no copay and no coinsurance, subject to prior authorization. However, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete MI-S3 (HMO D-SNP) covers Skilled Nursing Facility (SNF) services with no copayment and no coinsurance, although prior authorization is required. The plan allows for admission without a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Dual Complete MI-S3 (HMO 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 additional services are not covered under this plan, and prior authorization is required for the meal benefit.
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