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UHC Dual Complete RI-V001 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete RI-V001 (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 UHC Dual Complete RI-V001 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete RI-V001 (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 Rhode Island. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Dual Complete RI-V001 (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:
UHC Dual Complete RI-V001 (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 UHC Dual Complete RI-V001 (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 UHC Dual Complete RI-V001 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $590.00 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 $4900.00 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 RI-V001 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $590. For Tier 1 preferred generic and Tier 2 generic drugs, members benefit from no copay for 1-month and 3-month supplies at standard pharmacies, as well as no copay for 3-month mail-order supplies. This makes managing everyday generic medications highly affordable under this plan. For higher-tier medications, the plan transition to a coinsurance model. Specifically, Tier 3 preferred brand drugs, Tier 4 non-preferred drugs, and Tier 5 specialty drugs all carry a 25% coinsurance for standard pharmacy and mail-order fills. This consistent coinsurance rate helps you easily estimate your out-of-pocket costs for brand-name and specialty prescriptions.
Additional Benefits
The UHC Dual Complete RI-V001 (HMO-POS D-SNP) plan offers robust healthcare coverage featuring no copay and no coinsurance for primary care visits, telehealth, and home health services. For inpatient hospital stays, members pay a $395 copay per day for the first six days of acute stays and no copay for additional days. Emergency room visits carry a $130 copay, which is waived if you are admitted, while urgently needed care ranges from no copay to a $50 copay. This plan also provides excellent supplemental benefits, including no copay and no coinsurance for preventive dental services up to a $2,500 annual limit, as well as no copay for routine eye exams. Routine hearing exams also feature no copay, though prescription and over-the-counter hearing aids require copays. Additionally, diagnostic lab tests, over-the-counter items, and chronic illness meals are covered with no copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers inpatient hospital services with no coinsurance, requiring a $395 copayment for days 1 through 6 of acute stays and days 1 through 5 of psychiatric stays, followed by no copay for additional days. Prior authorization is required, and upgrades as well as non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers outpatient hospital services with no coinsurance and a copay of $0.00 to $395.00, while ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance. Outpatient substance abuse services also feature no coinsurance, with copays ranging from $0.00 to $25.00 for individual sessions and a $15.00 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization is covered by UHC Dual Complete RI-V001 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers ground and air ambulance services with a $275 copay and no coinsurance. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay and no coinsurance, though trips to any health-related location are not covered.
Emergency Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under UHC Dual Complete RI-V001 (HMO-POS D-SNP) include doctor visits and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $30 copay and no coinsurance. Physical, occupational, speech, and podiatry therapies require a $30 copay and no coinsurance, whereas some chiropractic services are covered but routine and other chiropractic services are not covered. Mental health and psychiatric individual sessions range from a $0 to $25 copay (group sessions are $15) with no coinsurance.
Preventive Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) provides partially covered preventive services with no copay and no coinsurance for annual exams, kidney education, fitness benefits, home safety devices, caregiver support, diabetes self-management, and glaucoma screenings. However, several sub-services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete RI-V001 (HMO-POS D-SNP) with no coinsurance for all covered benefits. Routine exams have no copay, but fitting and evaluation exams are not covered; prescription and OTC hearing aids are covered up to two per year with copays from $199 to $1,249, though inner ear, outer ear, and over-the-ear prescription models are excluded.
Vision Services See details
Vision services are partially covered by UHC Dual Complete RI-V001 (HMO-POS D-SNP) with no deductible or coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, up to a $200 limit every two years. Eyeglass lenses are covered with no coinsurance and a copay of $0.00 to $153.00, but 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 RI-V001 (HMO-POS D-SNP), excluding implant services and orthodontics. Preventive and diagnostic services feature no copay and no coinsurance up to a $2,500 annual maximum, while covered comprehensive services have no copay and 50% coinsurance. Medicare-covered dental services are offered with no copay and 20% coinsurance.
Home Infusion bundled Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B drugs, including chemotherapy and radiation, carry no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by UHC Dual Complete RI-V001 (HMO-POS D-SNP) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers durable medical equipment, 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, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers diagnostic and radiological services, with prior authorization required for all services. Lab services have no copay and no coinsurance, diagnostic tests require a $40 copay with no coinsurance, diagnostic radiological services have no copay, outpatient X-rays require a $25 copay, and therapeutic radiological services have a 20% coinsurance.
Home Health Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
UHC Dual Complete RI-V001 (HMO-POS D-SNP) offers cardiac rehabilitation services with no copay and no coinsurance, subject to prior authorization. However, only some services are covered in practice, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Dual Complete RI-V001 (HMO-POS D-SNP) with no coinsurance, featuring no copay for days 1 to 20 and a $218 copay for days 21 to 100. Prior authorization is required, a three-day prior hospital stay is not required for admission, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services under UHC Dual Complete RI-V001 (HMO-POS D-SNP) are partially covered, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered, and the meal benefit requires prior authorization.
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