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UHC Complete Care IN-21 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care IN-21 (HMO-POS C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Complete Care IN-21 (HMO-POS C-SNP) in 2026, please refer to our full plan details page.
UHC Complete Care IN-21 (HMO-POS C-SNP) is a HMO-POS C-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Indiana. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Complete Care IN-21 (HMO-POS C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Complete Care IN-21 (HMO-POS C-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 Complete Care IN-21 (HMO-POS C-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 Complete Care IN-21 (HMO-POS C-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.
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 $440.00 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 $6700.00 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 Complete Care IN-21 (HMO-POS C-SNP) plan features an annual drug deductible of $440. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic medications when using standard pharmacies or standard mail order for both one-month and three-month supplies. This provides an affordable option for individuals who primarily rely on generic prescription drugs. For brand-name and specialty prescriptions, your costs will be determined by coinsurance percentages. Tier 3 preferred brand drugs require a 24% coinsurance, Tier 4 non-preferred drugs have a 41% coinsurance, and Tier 5 specialty drugs have a 28% coinsurance. These percentage-based costs apply to standard pharmacy and standard mail order options, helping you budget for your specific medication needs.
Additional Benefits
The UHC Complete Care IN-21 (HMO-POS C-SNP) plan offers comprehensive medical coverage featuring no copays and no coinsurance for primary care visits, telehealth, home health services, and preventive care. Specialist visits range from no copay up to a $45 copay, while emergency room services require a $130 copay that is waived upon hospital admission. For hospital stays, inpatient care carries a $525 daily copay for the first five days of acute stays with no coinsurance, and outpatient hospital services range from no copay up to a $525 copay. The plan also includes essential supplemental benefits, such as routine hearing and vision exams with no copay, alongside a $250 eyewear allowance every two years. Preventive dental care features no copay and no coinsurance, though Medicare-covered dental services, dialysis, and durable medical equipment require a 20% coinsurance. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital care is covered by UHC Complete Care IN-21 (HMO-POS C-SNP) with no coinsurance, featuring a daily copay of $525 for days 1-5 of acute stays and days 1-4 of psychiatric stays, followed by no copay for additional days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric hospital days are not covered.
Outpatient Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and observation services require a copay of $0 to $525 with no coinsurance, while outpatient substance abuse individual and group sessions range from no copay up to a $25 copay with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by UHC Complete Care IN-21 (HMO-POS C-SNP) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers ground and air ambulance services with a $100 copay and no coinsurance, although prior authorization is required. Transportation services to plan-approved or health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by UHC Complete Care IN-21 (HMO-POS C-SNP) 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
UHC Complete Care IN-21 (HMO-POS C-SNP) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $45 copay and no coinsurance. Physical, occupational, and speech therapy services carry a $10 copay and no coinsurance, but chiropractic services are not covered in practice.
Preventive Services See details
Preventive Services are covered by UHC Complete Care IN-21 (HMO-POS C-SNP) with no copay and no coinsurance for annual physicals, kidney disease education, glaucoma screenings, diabetes training, rectal exams, and EKGs. Additional preventive benefits are partially covered, offering fitness benefits and home safety devices with no copay or coinsurance, while sub-services like health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) provides partially covered hearing services, including one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are partially covered with no coinsurance and a $199.00 to $1,249.00 copay, excluding inner ear, outer ear, and over-the-ear types. Up to two OTC hearing aids are also covered each year with no coinsurance and a copay of $199.00 to $829.00.
Vision Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers vision services with no coinsurance, including one annual routine eye exam with no copay, though other eye exam services are not covered. Eyewear benefits have a $250 combined limit every two years with no coinsurance, offering contact lenses and frames with no copay and eyeglass lenses with a $0 to $153 copay, while upgrades are not covered.
Dental Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) dental services are partially covered, featuring Medicare-covered dental services with no copay and a 20% coinsurance, as well as preventive services like exams and cleanings with no copay and no coinsurance. However, comprehensive services such as restorative, endodontics, periodontics, prosthodontics, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Complete Care IN-21 (HMO-POS C-SNP) with no copay, though prior authorization and step therapy are required. Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin requiring a $35 copay and other Part B drugs requiring no copay.
Dialysis Services See details
Dialysis Services are covered by UHC Complete Care IN-21 (HMO-POS C-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance. Diabetic equipment and supplies are covered with no copay and no coinsurance, though prior authorization is required and manufacturer limitations apply.
Diagnostic and Radiological Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Outpatient X-rays and diagnostic procedures require a $5 copay, therapeutic radiological services have a minimum $10 copay, and lab services and diagnostic radiological services are covered with no copay.
Home Health Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by UHC Complete Care IN-21 (HMO-POS C-SNP) with no copay and no coinsurance, though prior authorization is required. While some services are covered, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
UHC Complete Care IN-21 (HMO-POS C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, prior hospital stays of less than 3 days are allowed, and additional days beyond the standard Medicare benefit are not covered.
Other Services See details
UHC Complete Care IN-21 (HMO-POS C-SNP) partially covers other services, offering over-the-counter items and chronic illness meal benefits with no copayments and no coinsurance. Prior authorization is required for the meal benefit, while acupuncture and other additional services are not covered.
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