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UHC Dual Complete AL-S1 (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-S1 (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-S1 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete AL-S1 (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-S1 (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-S1 (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-S1 (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-S1 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $14.80. 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 combined Maximum Out-Of-Pocket cost of $9250.00 (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 $9250.00 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-S1 (HMO-POS D-SNP) features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $615.00. If you qualify for the low-income subsidy, also known as Extra Help, your Part D premium is reduced to $14.80. During the initial coverage phase, you will pay a 25% coinsurance for tier 1 through tier 4 drugs at standard pharmacies 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 Medicare Part D covered drugs. This means you will have no copay or coinsurance for your covered prescriptions for the remainder of the year. Please check the plan's formulary to confirm coverage for your specific medications.
Additional Benefits
The UHC Dual Complete AL-S1 (HMO-POS D-SNP) offers robust medical coverage, featuring a $1,945 copay per stay for inpatient hospital care and no copay for outpatient services, which carry a coinsurance up to 20%. Doctor, specialist, and psychiatric visits require no copay to 20% coinsurance, while emergency room visits are subject to a $115 copay that is waived upon admission. Additionally, routine preventive care, home health services, and up to 36 one-way transportation trips are available with no copay or coinsurance. This health plan also includes valuable supplemental benefits, such as preventive and comprehensive dental care covered with no copay or coinsurance up to a $2,500 annual maximum. Vision and hearing benefits feature no copay or coinsurance for routine eye exams and eyewear up to $250 annually, alongside a $2,200 allowance every two years for hearing aids. Members also enjoy access to over-the-counter items and meal benefits with no copay or coinsurance.
Inpatient Hospital See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) partially covers inpatient hospital benefits, requiring a $1,945 copay per stay and no coinsurance for Medicare-covered acute and psychiatric stays. There is no copay and no coinsurance for unlimited additional acute hospital days (days 91-999), but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered under the UHC Dual Complete AL-S1 (HMO-POS D-SNP) plan with no copay and coinsurance ranging from no coinsurance up to 20%. These covered benefits include outpatient hospital, ambulatory surgical center, substance abuse, and blood services, with prior authorization required for most care.
Partial Hospitalization See details
Partial hospitalization benefits are covered by UHC Dual Complete AL-S1 (HMO-POS D-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, requiring prior authorization. Transportation services are partially covered, providing up to 36 one-way trips per year to plan-approved locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
UHC Dual Complete AL-S1 (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 copay of $0 to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under UHC Dual Complete AL-S1 (HMO-POS D-SNP) are covered with coinsurance ranging from no coinsurance to 20% for doctor, psychiatric, and specialist visits, and a flat 20% coinsurance for physical and occupational therapies. Additional telehealth, opioid treatment, and Medicare-covered podiatry services are offered with no copay, though routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by UHC Dual Complete AL-S1 (HMO-POS D-SNP), featuring no copay and no coinsurance for most covered care, though digital rectal exams and post-welcome visit EKGs require a 20% coinsurance and no copay. Sub-services that are not covered 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/dietary benefits, palliative care, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by UHC Dual Complete AL-S1 (HMO-POS D-SNP), featuring routine hearing exams with a 20% coinsurance and no copay, while fitting and evaluation exams are not covered. OTC and general prescription hearing aids are covered with no copay or coinsurance up to a $2,200 limit every two years, but 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 AL-S1 (HMO-POS D-SNP), featuring no copay or coinsurance for routine eye exams and select eyewear with a $250 annual limit. Covered options include contact lenses, individual eyeglass lenses, and frames, but upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by UHC Dual Complete AL-S1 (HMO-POS D-SNP), featuring a 20% coinsurance and no copay for Medicare-covered dental care. Other preventive and comprehensive dental benefits are available with no copay and no coinsurance up to a $2,500 annual maximum, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) covers Home Infusion bundled Services subject to prior authorization. Covered Medicare Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance up to 20%, while Part B insulin drugs require a $35 copay and a coinsurance from no coinsurance up to 20%.
Dialysis Services See details
Dialysis Services are covered by UHC Dual Complete AL-S1 (HMO-POS D-SNP) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) covers medical equipment, including durable medical equipment, prosthetics, and diabetic therapeutic shoes, with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for most of these services.
Diagnostic and Radiological Services See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) covers diagnostic and radiological services, with prior authorization required for both. Diagnostic procedures and tests require a copay and 20% coinsurance, lab services have no copay, and radiological services feature no copay with coinsurance ranging from no coinsurance to 20%.
Home Health Services See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to access these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the UHC Dual Complete AL-S1 (HMO-POS D-SNP) plan. This means there is no coverage, copay, or coinsurance for sub-services such as intensive cardiac, pulmonary, or SET for PAD rehabilitation.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by UHC Dual Complete AL-S1 (HMO-POS D-SNP) with Medicare-defined copays and coinsurance applying, and prior authorization is required. While a prior three-day inpatient hospital stay is not required for admission, additional days beyond those covered by Medicare are not covered.
Other Services See details
UHC Dual Complete AL-S1 (HMO-POS D-SNP) partially covers Other Services, as acupuncture and dual eligible SNPs with highly integrated services are not covered. Covered benefits include over-the-counter (OTC) items and meal benefits, both of which are available with no copay and no coinsurance.
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