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UHC Complete Care IA-5 (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care IA-5 (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 IA-5 (HMO-POS C-SNP) in 2026, please refer to our full plan details page.
UHC Complete Care IA-5 (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 Iowa and Illinois. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that UHC Complete Care IA-5 (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 IA-5 (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 IA-5 (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 IA-5 (HMO-POS C-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $27.00. 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 $600.00 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 IA-5 (HMO-POS C-SNP) plan features a yearly drug deductible of $600. You will pay no copay for Tier 1 preferred generic drugs at standard pharmacies or through three-month mail order options. Tier 2 generic drugs carry a $10 copay for a one-month standard pharmacy supply, though you can secure a three-month supply with no copay through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 19% coinsurance for both standard pharmacy and mail order fills. Tier 4 non-preferred drugs require a 41% coinsurance for a one-month supply, while Tier 5 specialty tier drugs have a 26% coinsurance for a one-month supply.
Additional Benefits
The UHC Complete Care IA-5 (HMO-POS C-SNP) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits feature copays ranging from $0 to $50, while inpatient hospital stays require a $550 daily copay for the first few days and no copay for the remaining covered days. Emergency services are available with a $130 copay, which is waived upon hospital admission, and worldwide emergency care is covered with no copay. For routine care, the plan provides no copay for annual eye exams, routine hearing tests, and preventive dental cleanings. Prescription hearing aids require copays starting at $199, while durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay. Additionally, members benefit from no copays on over-the-counter items and home-delivered meals for chronic illnesses.
Inpatient Hospital See details
Inpatient hospital services are covered by UHC Complete Care IA-5 (HMO-POS C-SNP) with no coinsurance, requiring a $550 daily copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, with no copay for remaining covered days. Unlimited additional acute days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center visits, outpatient substance abuse sessions, and blood services. Outpatient hospital and daily observation services require no coinsurance and copays ranging from no copay up to $550, with prior authorization required for most services.
Partial Hospitalization See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers ground and air ambulance services with a $150 copay and no coinsurance, though prior authorization is required. Although transportation services are technically listed as covered, transportation to plan-approved or any other health-related locations is not covered.
Emergency Services See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under UHC Complete Care IA-5 (HMO-POS C-SNP) offer primary care physician visits, telehealth, and mental health services with no copay and no coinsurance. Specialist visits require a copay of $0 to $50, physical and occupational therapy cost a $20 copay, and podiatry services have a $45 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by UHC Complete Care IA-5 (HMO-POS C-SNP) with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits. This benefit is partially covered, as several sub-services such as health education, personal emergency response systems (PERS), and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are partially covered by UHC Complete Care IA-5 (HMO-POS C-SNP), featuring no copay and no coinsurance for one annual routine hearing exam, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a copay of $199.00 to $1,249.00 and no coinsurance, and up to two OTC hearing aids have a copay of $199.00 to $829.00 and no coinsurance, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered by UHC Complete Care IA-5 (HMO-POS C-SNP) with no coinsurance, offering no copay for one annual routine eye exam and a $200 limit every two years for eyewear. While contact lenses and frames have no copay, and eyeglass lenses have a copay of $0 to $153, this benefit is only partially covered as other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by UHC Complete Care IA-5 (HMO-POS C-SNP), offering medicare-covered dental care with no copay and 20% coinsurance, and preventive services like cleanings and exams with no copay and no coinsurance. However, major dental treatments such as restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by UHC Complete Care IA-5 (HMO-POS C-SNP) with no copay, subject to prior authorization. Medicare Part B drugs utilized during treatment, such as chemotherapy and insulin, carry a coinsurance of no coinsurance to 20%, with insulin specifically requiring a $35 copay.
Dialysis Services See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered under the UHC Complete Care IA-5 (HMO-POS C-SNP) plan with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies, therapeutic shoes, and inserts are covered with no copay and no coinsurance, though prior authorization is required for medical equipment and brand limits apply to diabetic supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC Complete Care IA-5 (HMO-POS C-SNP) with no coinsurance, though prior authorization is required. Lab services and diagnostic radiological services have no copay, while outpatient X-rays and diagnostic tests require a $5 copay, and therapeutic radiological services require a $40 copay.
Home Health Services See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by UHC Complete Care IA-5 (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 for symptomatic peripheral artery disease are not covered.
Skilled Nursing Facility (SNF) See details
UHC Complete Care IA-5 (HMO-POS C-SNP) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
UHC Complete Care IA-5 (HMO-POS C-SNP) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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