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UHC Dual Complete MS-S4 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Dual Complete MS-S4 (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 MS-S4 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
UHC Dual Complete MS-S4 (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 Mississippi. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that UHC Dual Complete MS-S4 (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 MS-S4 (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 MS-S4 (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 MS-S4 (HMO-POS D-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. Additionally, this plan comes with a Part B Premium reduction of $0.30. 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 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 MS-S4 (HMO-POS D-SNP) 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, as well as for 3-month supplies through standard mail order. This ensures that essential generic medications remain highly affordable. For all other drug tiers, including Tier 2 generics, Tier 3 preferred brands, Tier 4 non-preferred drugs, and Tier 5 specialty drugs, members typically pay a 25% coinsurance. This 25% coinsurance rate applies to standard pharmacy fills and standard mail order options based on the specific tier and supply duration. These clear cost-sharing tiers help you easily project your monthly and yearly prescription expenses.
Additional Benefits
The UHC Dual Complete MS-S4 (HMO-POS D-SNP) offers comprehensive healthcare coverage with many essential medical services requiring no copay. Members enjoy no copays for primary care, specialist visits, outpatient services, skilled nursing, and home health care, though some treatments may carry a coinsurance of up to 20%. Inpatient hospital stays require a $1,735 copay per admission with no coinsurance, while emergency room visits have a $115 copay that is waived if you are admitted within 24 hours. This plan also features valuable supplemental benefits, including dental and vision care with no copays or coinsurance up to annual limits of $2,500 and $250 respectively. Routine hearing exams and hearing aids are covered with no copay, alongside up to 36 free one-way transportation trips per year and covered over-the-counter items. Other services like medical equipment, dialysis, and ambulance transport are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers inpatient acute and psychiatric hospital stays with a $1,735 copay per admission and no coinsurance, requiring prior authorization. This benefit is partially covered as upgrades and non-Medicare-covered stays are not covered, though unlimited additional acute hospital days are included with no copay.
Outpatient Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers outpatient services with no copay, though prior authorization is required. Covered outpatient hospital, ambulatory surgical center, and substance abuse services feature coinsurance ranging from no coinsurance to 20%, while observation and blood services require 20% coinsurance.
Partial Hospitalization See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered with no copay or coinsurance for up to 36 one-way trips per year to plan-approved locations, though trips to any health-related location are not covered.
Emergency Services See details
Emergency services are covered by UHC Dual Complete MS-S4 (HMO-POS D-SNP) with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a $0 to $40 copay with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers primary care, specialist, and therapy services with no copays and coinsurance ranging from no coinsurance to 20%. While most healthcare services are covered, some chiropractic services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by UHC Dual Complete MS-S4 (HMO-POS D-SNP), with most covered services—such as the annual physical exam, kidney disease education, and fitness benefits—offering no copay and no coinsurance. While digital rectal exams and post-welcome-visit EKGs require a 20% coinsurance, several services including health education, personal emergency response systems (PERS), and nutritional/dietary benefits are not covered.
Hearing Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) partially covers hearing services, offering routine hearing exams with no copay and 20% coinsurance, while fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no copay and no coinsurance, up to a $2,500 maximum limit every two years, though inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) provides partially covered vision services with no copay and no coinsurance, including one annual routine eye exam and a $250 yearly limit for contact lenses, eyeglass lenses, and eyeglass frames. Other eye exams, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) offers partially covered dental services, featuring Medicare-covered dental with no copay and a 20% coinsurance, alongside other dental benefits with no copay or coinsurance up to a $2,500 annual maximum. Covered services include exams, cleanings, and oral surgery, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, require coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the UHC Dual Complete MS-S4 (HMO-POS D-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by UHC Dual Complete MS-S4 (HMO-POS D-SNP) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and diabetic supplies. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers diagnostic and radiological services with prior authorization required. Diagnostic procedures require a copay and a minimum 20% coinsurance, while lab services have no copay; radiological services have no copay, featuring no coinsurance for diagnostic radiology and a minimum 20% coinsurance for therapeutic and outpatient X-ray services.
Home Health Services See details
UHC Dual Complete MS-S4 (HMO-POS D-SNP) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by UHC Dual Complete MS-S4 (HMO-POS D-SNP) with no copay and prior authorization, but some services are covered while others are not. Specifically, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) services are not covered and carry a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Dual Complete MS-S4 (HMO-POS D-SNP) with no copay and no coinsurance, though prior authorization is required. This benefit is partially covered because additional days beyond the Medicare-covered limit are not covered, but a prior three-day inpatient hospital stay is not required for admission.
Other Services See details
Other services are partially covered by UHC Dual Complete MS-S4 (HMO-POS D-SNP), featuring over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, while acupuncture and highly integrated SNP services are not covered under this benefit category.
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