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UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) in 2026, please refer to our full plan details page.
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) is a HMO D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Broward and Miami-Dade Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC MedicareMax Dual Complete FL-V3 (HMO 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 MedicareMax Dual Complete FL-V3 (HMO 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 MedicareMax Dual Complete FL-V3 (HMO 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 MedicareMax Dual Complete FL-V3 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. 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 $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 $3400.00 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 MedicareMax Dual Complete FL-V3 (HMO D-SNP) plan features an annual prescription drug deductible of $615. Under this plan, Tier 1 preferred generic drugs are highly accessible, offering no copay for one-month and three-month supplies at standard pharmacies and through standard mail order. For other drug categories, members pay a 25% coinsurance rate during the initial coverage phase. This 25% coinsurance applies to standard pharmacy and standard mail-order fills, covering up to three-month supplies for Tier 2 generics and Tier 3 preferred brands, and one-month supplies for Tier 4 non-preferred and Tier 5 specialty drugs.
Additional Benefits
The UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) offers robust coverage with no copays and no coinsurance for many essential services, including inpatient hospital stays, primary and specialist care, and home health services. Routine dental care, vision exams, and diagnostic lab tests are also covered with no copays or coinsurance, helping members save significantly on everyday healthcare. Additionally, members can access up to 60 one-way transportation trips per year and skilled nursing facility care for up to 100 days at no cost. While many benefits are covered with no copays, certain services do require cost-sharing, such as a $150 copay for emergency room visits and a $275 copay for ambulance services. Hearing aids are available with copays ranging from $199 to $1,249, while dialysis services and prosthetic devices require a 20% coinsurance. Overall, this plan minimizes out-of-pocket costs by eliminating copays and deductibles across the majority of its medical, preventive, and wellness benefits.
Inpatient Hospital See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) covers inpatient hospital care with no copay and no coinsurance, though prior authorization is required. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered.
Outpatient Services See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) outpatient services are covered with no coinsurance, featuring a copay of $0 to $150 for outpatient hospital services and a $150 daily copay for observation services. Ambulatory surgical center visits, outpatient substance abuse treatment, and outpatient blood services are fully covered with no copays, no coinsurance, and no deductibles, though prior authorization is required.
Partial Hospitalization See details
The UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with a $275 copay and no coinsurance for ground and air ambulance services. Transportation services are partially covered with no copay or coinsurance for up to 60 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with a $150 copay and no coinsurance, and this copay is waived if you are admitted to the hospital within 24 hours. Urgently needed services and worldwide emergency, urgent, and transportation services are also fully covered with no copay and no coinsurance.
Primary Care See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) offers primary care, specialist, mental health, therapy, and telehealth services with no copay and no coinsurance. Chiropractic services are not covered, but routine podiatry is covered for up to six visits per year with no copay and no coinsurance.
Preventive Services See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physical exams, fitness programs, and home safety devices. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered with no deductible by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP), featuring one routine hearing exam annually with no copay and no coinsurance, while fitting and evaluation services are not covered. Up to two prescription hearing aids per year are covered with a copay of $199 to $1,249 and no coinsurance, though inner ear, outer ear, and over the ear models are not covered. Up to two OTC hearing aids per year are also covered with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision services are partially covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with no copays and no coinsurance, including one routine eye exam and up to a $250 annual limit for contact lenses, upgrades, and eyeglasses (lenses and frames). Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered under this plan.
Dental Services See details
Dental services are partially covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with no copay and no coinsurance for covered care, including exams, cleanings, x-rays, fluoride, restorative services, removable prosthodontics, and oral surgery. However, several sub-services are not covered, including endodontics, periodontics, implants, fixed prosthodontics, orthodontics, and adjunctive general services.
Home Infusion bundled Services See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and no coinsurance to 20% coinsurance, while insulin carries a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP), featuring no copays and no coinsurance for durable medical equipment, medical supplies, diabetic supplies, and diabetic therapeutic shoes or inserts. Medicare-covered prosthetic devices are covered with a 20% coinsurance and no copay, and prior authorization is required.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with no copay and no coinsurance for lab services, diagnostic procedures, and diagnostic radiological services. Prior authorization is required for these services, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) covers cardiac rehabilitation services with no copay and no coinsurance, subject to prior authorization. Although some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) with no copay and no coinsurance for days 1 through 100, although prior authorization is required and additional days beyond the Medicare-covered limit are not covered. The plan allows for admission to a skilled nursing facility without requiring a prior three-day inpatient hospital stay.
Other Services See details
UHC MedicareMax Dual Complete FL-V3 (HMO D-SNP) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture and other additional services are not covered under this plan.
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