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UHC Dual Complete VA-Y3 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete VA-Y3 (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 VA-Y3 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete VA-Y3 (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 Select Counties in Virginia. The overall rating for this plan is not yet available for 2026.
It's important to know that UHC Dual Complete VA-Y3 (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 VA-Y3 (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 VA-Y3 (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 VA-Y3 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $3.80. 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 VA-Y3 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic drugs, members benefit from no copay for 1-month and 3-month supplies at standard pharmacies, or through a 3-month standard mail order. For Tier 2 generic, Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, members are responsible for a 25% coinsurance. This 25% coinsurance applies to standard pharmacy and standard mail order services for eligible 1-month and 3-month supply fills.
Additional Benefits
The UHC Dual Complete VA-Y3 (HMO-POS D-SNP) plan offers comprehensive medical coverage with many essential services featuring no copay. Primary care visits, specialist consultations, home health services, and skilled nursing facility care require no copay, though some specialist and diagnostic services may carry up to a 20% coinsurance. For acute medical needs, inpatient hospital stays require a $1910 copayment per admission, while emergency room visits carry a $115 copay that is waived upon admission. This plan also includes valuable supplemental benefits designed to lower your everyday healthcare costs. Dental care features a $2,500 annual maximum for preventive and comprehensive services with no copay, and routine vision exams and eyewear are covered with no copay up to a $200 annual limit. Additionally, members benefit from prescription hearing aid coverage up to $2,500 every two years, up to 36 one-way transportation trips with no copay, and over-the-counter items with no copay.
Inpatient Hospital See details
Inpatient hospital care is covered by UHC Dual Complete VA-Y3 (HMO-POS D-SNP) with no coinsurance and a $1910 copayment per admission for Medicare-covered acute and psychiatric stays. This benefit is partially covered as hospital upgrades and non-Medicare-covered stays are not covered, though unlimited additional acute days are provided with no copay.
Outpatient Services See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) covers outpatient services with no copay, though coinsurance ranging from no coinsurance to 20% may apply depending on the service. These covered benefits, which require prior authorization, include outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services.
Partial Hospitalization See details
UHC Dual Complete VA-Y3 (HMO-POS 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 VA-Y3 (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, offering up to 36 one-way trips per year to plan-approved locations via taxi or medical transport with no copay and no coinsurance, while trips to any health-related location are not covered.
Emergency Services See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) covers emergency services 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 VA-Y3 (HMO-POS D-SNP) covers primary care, specialist, and therapy services with no copays and coinsurance ranging from 0% to 20%. Telehealth and opioid treatment services are available with no copay and no coinsurance, though some chiropractic services are covered while routine and other chiropractic services are not.
Preventive Services See details
Preventive services are covered by UHC Dual Complete VA-Y3 (HMO-POS D-SNP) with no copay or coinsurance for annual physicals, kidney disease education, and diabetes training, while digital rectal exams and post-welcome visit EKGs require a 20% coinsurance. Additional preventive benefits are partially covered, offering fitness, weight management, caregiver support, in-home support, and home safety devices with no copay or coinsurance. However, 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, home-based palliative care, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) offers hearing services, including routine hearing exams with a 20% coinsurance and no copay, and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance up to a $2,500 limit every two years, though fitting and evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services are partially covered by UHC Dual Complete VA-Y3 (HMO-POS D-SNP), offering routine eye exams and eyewear with no copay and no coinsurance, up to a $200 annual maximum. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered, and prior authorization is required for eye exams.
Dental Services See details
Dental services are partially covered by UHC Dual Complete VA-Y3 (HMO-POS D-SNP), featuring a $2,500 annual maximum for preventive and comprehensive care with no copay and no coinsurance. Medicare-covered dental services require no copay and a 20% coinsurance, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, have no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete VA-Y3 (HMO-POS D-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization needed for these benefits.
Diagnostic and Radiological Services See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) covers diagnostic and radiological services with prior authorization, offering lab services with no copay and diagnostic radiology with no copay or coinsurance. Diagnostic procedures require a copay and a minimum 20% coinsurance, while therapeutic radiology and outpatient X-rays have no copay and a minimum 20% coinsurance.
Home Health Services See details
UHC Dual Complete VA-Y3 (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
Cardiac Rehabilitation Services are offered by UHC Dual Complete VA-Y3 (HMO-POS D-SNP) with no copay and require prior authorization. While some services are covered, 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 VA-Y3 (HMO-POS D-SNP) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, although prior authorization is required. Admission is allowed without a prior three-day inpatient hospital stay, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
UHC Dual Complete VA-Y3 (HMO-POS D-SNP) partially covers other services, offering over-the-counter (OTC) items and meals for chronic illness with no copay and no coinsurance. Prior authorization is required for the meal benefit, while acupuncture and other miscellaneous services are not covered.
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