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UHC Complete Care ME-6 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care ME-6 (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 ME-6 (HMO-POS C-SNP) in 2026, please refer to our full plan details page.
UHC Complete Care ME-6 (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 Select Counties in Maine. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Complete Care ME-6 (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 ME-6 (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 ME-6 (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 ME-6 (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 $355.00 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 $5900.00 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 ME-6 (HMO-POS C-SNP) prescription drug plan features an annual drug deductible of $355. For Tier 1 preferred generic drugs, members pay no copay for a one-month or three-month supply at standard pharmacies or via mail order. Tier 2 generic drugs carry a $10 copay for a one-month supply at standard pharmacies, but members can access these with no copay for a three-month supply through preferred mail order. Higher-tier medications are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 20% coinsurance for both one-month and three-month supplies. Tier 4 non-preferred drugs require a 43% coinsurance, while Tier 5 specialty drugs carry a 29% coinsurance for a one-month supply across standard pharmacies and mail-order options.
Additional Benefits
The UHC Complete Care ME-6 (HMO-POS C-SNP) plan offers comprehensive medical coverage with no copays or coinsurance for primary care visits, preventive services, and home health care. Specialist visits and physical therapies feature low copays of up to $35 with no coinsurance. For hospital stays, inpatient acute care requires a $395 daily copay for the first seven days and no copay thereafter, while emergency room visits carry a $130 copay that is waived upon admission. Routine dental, vision, and hearing exams are covered with no copays or coinsurance, though prescription hearing aids and lenses require varying copays. Diagnostic lab tests, home infusions, and cardiac rehabilitation also feature no copays, while dialysis and durable medical equipment require a 20% coinsurance. Additionally, the plan covers skilled nursing facility stays with no copay for the first 20 days and a $218 daily copay for days 21 to 100.
Inpatient Hospital See details
UHC Complete Care ME-6 (HMO-POS C-SNP) partially covers inpatient hospital services with no coinsurance, requiring prior authorization for stays. Acute care requires a $395 daily copay for days 1 to 7 and no copay thereafter, while psychiatric care requires a $395 daily copay for days 1 to 5 and no copay for days 6 to 90, though upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Complete Care ME-6 (HMO-POS C-SNP) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services which feature no copays. Outpatient hospital services have a copay of $0 to $395 (with observation services at $395 per day), and outpatient substance abuse sessions require a copay of $0 to $25, with prior authorization required for most services.
Partial Hospitalization See details
UHC Complete Care ME-6 (HMO-POS C-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
UHC Complete Care ME-6 (HMO-POS C-SNP) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered by this plan.
Emergency Services See details
UHC Complete Care ME-6 (HMO-POS C-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 are covered with 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 ME-6 (HMO-POS C-SNP) offers primary care visits and telehealth services with no copay and no coinsurance. Specialist visits, mental health services, and physical or occupational therapies require copays ranging from $0 to $35 with no coinsurance, though routine chiropractic services are not covered.
Preventive Services See details
UHC Complete Care ME-6 (HMO-POS C-SNP) offers partially covered preventive services with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney disease education. However, sub-services such as health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, extra tobacco cessation counseling, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
UHC Complete Care ME-6 (HMO-POS C-SNP) partially covers hearing services, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered up to two per year with no coinsurance and copays ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
UHC Complete Care ME-6 (HMO-POS C-SNP) covers vision services with no deductible or coinsurance, including one routine eye exam per year with no copay. Eyewear is partially covered with a $250 combined limit every two years, featuring no copay for contact lenses or frames and a $0 to $153 copay for lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by UHC Complete Care ME-6 (HMO-POS C-SNP), offering Medicare-covered dental services with no copay and 20% coinsurance, alongside preventive care like exams, cleanings, and X-rays with no copay and no coinsurance. However, comprehensive services such as restorative treatments, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Complete Care ME-6 (HMO-POS C-SNP) with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a 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 Complete Care ME-6 (HMO-POS C-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
UHC Complete Care ME-6 (HMO-POS C-SNP) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance, while diabetic supplies and therapeutic shoes or inserts are covered with no copay and no coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Complete Care ME-6 (HMO-POS C-SNP), with prior authorization required. Lab services have no copay and no coinsurance, diagnostic tests require a $50 copay with no coinsurance, and radiological services range from a $0 minimum copay for diagnostic radiology to a 20% coinsurance for therapeutic radiology, while outpatient X-rays require a $25 copay and coinsurance.
Home Health Services See details
Home health services are covered under the UHC Complete Care ME-6 (HMO-POS C-SNP) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance by UHC Complete Care ME-6 (HMO-POS C-SNP) with prior authorization, though standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Complete Care ME-6 (HMO-POS C-SNP) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Complete Care ME-6 (HMO-POS C-SNP) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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