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UHC Dual Complete RI-S3 (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-S3 (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-S3 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete RI-S3 (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-S3 (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-S3 (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-S3 (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-S3 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $26.60. 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 RI-S3 (HMO-POS D-SNP) plan features an annual drug deductible of $615. Under this prescription drug plan, Tier 1 preferred generic drugs are covered with no copay for both 1-month and 3-month supplies at standard pharmacies, as well as no copay for 3-month standard mail orders. For Tier 2 generic and Tier 3 preferred brand drugs, members pay a 25% coinsurance for 1-month and 3-month supplies at standard pharmacies and standard mail order. Additionally, Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance for a 1-month supply at standard pharmacies and standard mail order.
Additional Benefits
The UHC Dual Complete RI-S3 (HMO-POS D-SNP) plan offers comprehensive medical coverage with many key services requiring no copay, though some cost-sharing applies. Inpatient hospital stays require a $1,870 copayment per admission, while outpatient services, primary care, and specialist visits feature no copay with coinsurance up to 20%. Additionally, emergency services have a $115 copay that is waived upon admission, while home health and skilled nursing facility services are covered with no copay and no coinsurance. This plan also includes valuable everyday benefits like dental, vision, and hearing coverage, often with no copay or coinsurance. Preventive and comprehensive dental services feature no copay and no coinsurance up to a $3,000 annual limit, while routine vision exams and select hearing aids are also covered with no copay. Additionally, members can access up to 48 one-way transportation trips per year to plan-approved locations with no copay or coinsurance.
Inpatient Hospital See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with a $1,870 copayment per admission and no coinsurance, subject to prior authorization. Unlimited additional acute care days are covered with no copay, but non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by UHC Dual Complete RI-S3 (HMO-POS D-SNP) with no copays, though coinsurance ranging from no coinsurance up to 20% may apply. Covered benefits include outpatient hospital care, ambulatory surgical center services, substance abuse therapy, and blood services, with prior authorization required for most of these treatments.
Partial Hospitalization See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 48 one-way trips per year to plan-approved locations via taxi or medical transport with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers emergency services with a $115 copay, which is waived if you are admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay ranging from $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers primary care, specialist, and therapy services with no copay and coinsurance ranging from no coinsurance up to 20%. While routine and other chiropractic services are not covered, telehealth and opioid treatment are covered with no copay and no coinsurance, and routine podiatry is covered for up to 6 visits per year with a 20% coinsurance.
Preventive Services See details
Preventive services under UHC Dual Complete RI-S3 (HMO-POS D-SNP) are partially covered, offering no copay and no coinsurance for annual physicals, kidney disease education, fitness benefits, and in-home support, though a 20% coinsurance applies to digital rectal exams and post-Welcome Visit EKGs. Multiple sub-services are not covered under this plan, 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 technologies, and counseling.
Hearing Services See details
Hearing Services are partially covered by UHC Dual Complete RI-S3 (HMO-POS D-SNP) with no deductible, offering routine hearing exams with no copay and 20% coinsurance. The plan covers up to two prescription hearing aids (up to $2,200 every two years) and two OTC hearing aids with no copay and no coinsurance, but hearing aid fittings, evaluations, and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by UHC Dual Complete RI-S3 (HMO-POS D-SNP) with no copay and no coinsurance, offering one routine eye exam and up to $200 annually for select eyewear like contact lenses, eyeglass lenses, and eyeglass frames. Other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) offers partially covered dental services, with implant services and orthodontics being not covered. Medicare-covered dental services require no copay and a 20% coinsurance, while other covered preventive and comprehensive dental services have no copay and no coinsurance up to a $3,000 annual maximum.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Dual Complete RI-S3 (HMO-POS D-SNP) with no copay, though prior authorization is required. Associated Medicare Part B drugs, such as chemotherapy and radiation, feature no copay and a 0% to 20% coinsurance, while covered insulin drugs require a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by UHC Dual Complete RI-S3 (HMO-POS D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers durable medical equipment, prosthetics, and medical 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
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers diagnostic and radiological services, with prior authorization required for all services. Diagnostic procedures and tests require a copay and 20% coinsurance, lab services require no copay, and radiological services feature no copay with coinsurance ranging from no coinsurance for diagnostic radiology to 20% coinsurance for therapeutic and X-ray services.
Home Health Services See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) ensures some Cardiac Rehabilitation Services are covered with no copay and a 20% coinsurance, requiring prior authorization. However, specific services such as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered in practice.
Skilled Nursing Facility (SNF) See details
UHC Dual Complete RI-S3 (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization is required. Admission is allowed without a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by UHC Dual Complete RI-S3 (HMO-POS D-SNP), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this plan, and prior authorization is required for the meal benefit.
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