UHC Northern Light Health ME-0001 (HMO-POS)

UHC Northern Light Health ME-0001 (HMO-POS) is a HMO-POS plan offered by Unitedhealthcare of Wisconsin, Inc. available for the 2026 plan year to people living in State of Maine. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that UHC Northern Light Health ME-0001 (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about UHC Northern Light Health ME-0001 (HMO-POS).

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.

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:

Drug Coverage

The UHC Northern Light Health ME-0001 (HMO-POS) prescription drug plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, but members can enjoy no copay for a 3-month supply through preferred mail order. For brand-name and specialty medications, the plan uses coinsurance instead of flat copays. Tier 3 preferred brand drugs require a 19% coinsurance for both standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 41% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 28% coinsurance.

Additional Benefits

The UHC Northern Light Health ME-0001 (HMO-POS) plan provides comprehensive medical coverage with favorable cost-sharing, highlighting no copay and no coinsurance for primary care, telehealth, home health, and preventive services. For inpatient hospital stays, members pay no coinsurance and a $395 daily copay for the first 5 to 7 days, with no copay required for subsequent days. Outpatient services and emergency care are also covered, though specialists require a copay up to $40, and ambulance services carry a $290 copay. This plan also includes essential supplemental benefits, featuring no copay for routine hearing exams, annual eye exams, and preventive dental care like cleanings and x-rays. While comprehensive dental is not covered, members can access diabetic supplies and home infusion services with no copay, whereas durable medical equipment and dialysis require a 20% coinsurance. Additionally, the plan offers benefits for over-the-counter items and chronic illness meals with no copay, helping to further reduce out-of-pocket costs.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.