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UHC Dual Complete AL-V002 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete AL-V002 (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 AL-V002 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete AL-V002 (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 Alabama. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Dual Complete AL-V002 (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 AL-V002 (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 AL-V002 (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 AL-V002 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $25.80. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.40. 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 $5900.00 (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 $5900.00 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 AL-V002 (HMO-POS D-SNP) offers an Enhanced Alternative drug benefit with a $615.00 prescription drug deductible and a Part D premium of $25.80, which may be reduced for those who qualify for Extra Help. After meeting the deductible, you will pay a 25% coinsurance for preferred generic, standard generic, preferred brand, and non-preferred drugs during the initial coverage phase. This cost-sharing phase applies until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. You should review the plan formulary to verify coverage for your specific medications.
Additional Benefits
The UHC Dual Complete AL-V002 (HMO-POS D-SNP) offers comprehensive coverage with no copays or coinsurance for primary care, telehealth, and preventive services like annual physicals. For more intensive care, inpatient hospital stays require a $295 daily copay for the first seven days followed by no copay, while emergency services have a $130 copay that is waived upon admission. Outpatient services feature no coinsurance, with copays ranging from no copay up to $295 depending on the service. This plan also includes key specialty benefits, such as dental care up to a $1,500 annual limit with no copay for preventive care and 50% coinsurance for comprehensive services. Routine vision and hearing exams are available with no copay, alongside coverage for eyewear and hearing aids. Additionally, members can access home health services, over-the-counter items, and up to 24 one-way transportation trips per year with no copay.
Inpatient Hospital See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with a $295 daily copay for days 1 through 7, no copay for days 8 through 90, and no coinsurance. These benefits are partially covered, as non-Medicare-covered stays and upgrades for acute care, as well as additional days and non-Medicare-covered stays for psychiatric care, are not covered.
Outpatient Services See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers outpatient services with no coinsurance, featuring a copay of $0 to $295 for outpatient hospital services, a $295 daily copay for observation services, and no copay for ambulatory surgical center and blood services. Outpatient substance abuse sessions require a copay of $0 to $25 for individual visits and $15 for group visits, with prior authorization required for most of these services.
Partial Hospitalization See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by UHC Dual Complete AL-V002 (HMO-POS D-SNP), featuring a $275 copay and no coinsurance for ground and air ambulance services. Transportation services are partially covered, offering up to 24 one-way trips to plan-approved locations per year with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers primary care and telehealth services with no copay and no coinsurance, while specialists, therapies, and psychiatric services require copays ranging from no copay up to $25 and no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) partially covers preventive services with no copay and no coinsurance for covered benefits like annual physicals and fitness programs. Non-covered sub-services include 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, tobacco cessation counseling, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete AL-V002 (HMO-POS D-SNP), which offers annual routine hearing exams with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no coinsurance and copays between $199 and $1,249, 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 AL-V002 (HMO-POS D-SNP), as upgrades and combined eyeglasses (lenses and frames) are not covered. Covered benefits include annual routine eye exams and select eyewear with a $150 limit every two years, featuring no coinsurance and copays ranging from no copay up to $153 for lenses.
Dental Services See details
Dental services are partially covered by UHC Dual Complete AL-V002 (HMO-POS D-SNP) up to a $1,500 annual limit, though implant services and orthodontics are not covered. Preventive care is offered with no copay or coinsurance, while covered comprehensive services require a 50% coinsurance and Medicare-covered dental services require a 20% coinsurance, both with no copays.
Home Infusion bundled Services See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers Home Infusion bundled Services with prior authorization, featuring 0% to 20% coinsurance and no copay for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the UHC Dual Complete AL-V002 (HMO-POS D-SNP) plan with a 20% coinsurance and no copay. Prior authorization is required before receiving these services.
Medical Equipment See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) covers diagnostic and radiological services, which require prior authorization. Lab services have no copay or coinsurance, diagnostic procedures require a $40 copay with no coinsurance, and outpatient x-rays require a $25 copay with no coinsurance. Diagnostic radiology copays range from $0 to $260 with no coinsurance, while therapeutic radiology requires a 20% coinsurance and a copay.
Home Health Services See details
Home Health Services are fully covered by the UHC Dual Complete AL-V002 (HMO-POS D-SNP) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the UHC Dual Complete AL-V002 (HMO-POS D-SNP) plan, which includes intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by UHC Dual Complete AL-V002 (HMO-POS D-SNP) with prior authorization, though additional days beyond the Medicare-covered limit are not covered. There is no copay or coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100.
Other Services See details
UHC Dual Complete AL-V002 (HMO-POS D-SNP) partially covers Other Services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered.
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