UnitedHealthcare Dual Complete LP (D-SNP HMO-POS), Maricopa County, AZ
Plan H0321-002-0, UnitedHealthcare Dual Complete LP, is a D-SNP Special Needs Plan, with a HMO-POS provider network. Delivery of healthcare services and costs are significantly different than in Original Medicare, and the plan offers additional benefits that are not included with Medicare Part A and Part B.
CMS rated this plan 4.0 (Good) out of 5 stars. See MedicareWire's review below. You must meet all qualification requirements to join this D-SNP plan.
GET NOTIFIED: 2024 Medicare Special Needs Plan Notification.
What You Need to Know
- UnitedHealthcare Dual Complete LP is a Medicare Advantage SNP plan available to people on Medicare who also qualify for Arizona state Medicaid benefits (dual-eligible).
- This is not a zero-dollar D-SNP cost-sharing plan. Members have small copays on some Medicare-approved healthcare services.
- To qualify to join this D-SNP, you must live in Maricopa County and be enrolled in Medicare Part A and Part B, and qualify for full Medicaid benefits.
- It is a HMO-POS style private health plan that includes Medicare Part D prescription drug benefits.
- The annual Part D deductible is $505.00. You pay this amount before cost-sharing begins.
- Plan members who qualify for Medicare's "Extra Help" program will also get full or partial assistance with their Medicare Part D monthly premium, annual deductible, and prescription copayments.
- As required, UnitedHealthcare Dual Complete LP gives its members the coverage benefits included with Medicare Parts A and B (aka, Original Medicare), but also includes additional benefits.
- If you don't qualify, compare Medicare Advantage plans available in Maricopa County, Arizona. Another way to get more coverage is with one of the many Arizona Medigap plans and a stand-alone Part D plan for Arizona residents.
- 2024 costs and benefits for UnitedHealthcare Dual Complete LP will be available in early October. Get Notification.
| H0321-002-0 Plan Basics | |
|---|---|
| Plan ID: | H0321-002-0 |
| Plan Type: | D-SNP |
| Network Type: | HMO-POS |
| Plan Year: | 2023 |
| Premium: | $42.60/mo Plus your Part B premium. |
| Health Plan Deductible: | $0.00 |
| Out-of-Pocket Maximum: | $8,300 In-network |
| Drug Plan Benefit: | Basic $505.00 deductible |
| Rx Gap Coverage: | No |
| Supplemental Benefits: | Dental, Vision, Hearing |
| Availability: | Maricopa County, AZ |
| Insured By: | UnitedHealthcare |
Health Plan Costs & Benefits
UnitedHealthcare Dual Complete LP is an HMO-POS (point-of-sale) plan. HMO-POS plans offer the same features as a Health Maintenance Organization (HMO) plan, however, there is one major difference. HMO-POS plans allow members to access healthcare providers outside the plan's network to receive some or all of their services. In most cases, a member will need to get a referral from their physician to go out of the plan's network. Plus, there are separate deductibles for in-network and out-of-network services.
Premiums, deductibles, and copays vary widely from plan to plan. It is very important to compare costs and apply them to your personal financial and healthcare needs.
Monthly Premium
UnitedHealthcare Dual Complete LP's total monthly premium in Maricopa County is $42.60. This includes your prescription coverage, as well. Plus, you must continue to pay your monthly Medicare Part B premium.
Annual Deductible
UnitedHealthcare Dual Complete LP's annual health plan deductible is $0.00. This does not include the deductible for the prescription drug plan (if any), which is detailed below.
Maximum Out-of-Pocket Limit
The Maximum Out-of-Pocket (MOOP) with this UnitedHealthcare plan is $8,300 in-network. Unlike Original Medicare, Medicare Advantage plans must set an annual Maximum Out-of-Pocket (MOOP) limit on inpatient and outpatient healthcare services. Once you reach this amount of spending on your copayments, all of your Medicare Part A and Part B services will be covered at no additional charge for the remainder of the year. MOOP does not include monthly premiums, prescriptions, or other extra benefits.
Health Plan Out-of-Pocket Costs
The following table is a summary of the most common out-of-pocket costs you will incur if you join this UnitedHealthcare plan:
| Healthcare Service | Member Cost |
|---|---|
| Health plan deductible | $0 |
| Maximum out-of-pocket enrollee responsibility (does not include prescription drugs) | $8,300 In-network |
| Doctor Visits | |
| Specialist (In-Network) | $0 copay (authorization required) |
| Wellness programs (e.g., fitness, nursing hotline) | Covered |
| Preventive care | $0 copay |
| Mental Health Services | |
| Outpatient group therapy visit (In-Network) | 0% or 20% coinsurance (authorization required) |
| Inpatient hospital - psychiatric (In-Network) | $0 copay per stay (authorization required) |
| Outpatient group therapy visit with a psychiatrist (In-Network) | 0% or 20% coinsurance (authorization required) |
| Outpatient individual therapy visit (In-Network) | 0% or 20% coinsurance (authorization required) |
| Outpatient individual therapy visit with a psychiatrist (In-Network) | 0% or 20% coinsurance (authorization required) |
| Rehabilitation Services | |
| Occupational therapy visit (In-Network) | $0 copay (authorization required) |
| Medical Equipment / Supplies | |
| Durable medical equipment (e.g., wheelchairs, oxygen) (In-Network) | 0% or 20% coinsurance per item (authorization required) |
| Diabetes supplies (In-Network) | $0 copay per item (authorization required) |
| Diagnostic Procedures / Lab Services / Imaging | |
| Diagnostic radiology services (e.g., MRI) (In-Network) | 0% or 0-20% coinsurance (authorization required) |
| Outpatient x-rays (In-Network) | 0% or 20% coinsurance (authorization required) |
| Diagnostic tests and procedures (In-Network) | 0% or 20% coinsurance (authorization required) |
| Medicare Part B Drugs | |
| Other Part B drugs (In-Network) | 0% or 20% coinsurance (authorization required) |
| Foot Care (podiatry Services) | |
| Foot exams and treatment (In-Network) | $0 copay (authorization required) |
| Hearing | |
| Fitting/evaluation | Not covered |
| Hearing exam (In-Network) | 0% or 20% coinsurance (authorization required) |
| Preventive Dental | |
| Fluoride treatment (Out-of-Net) | $0 copay (limits may apply) |
| Cleaning (Out-of-Net) | $0 copay (limits may apply) |
| Dental x-ray(s) (In-Network) | $0 copay (limits may apply) |
| Oral exam (Out-of-Net) | $0 copay (limits may apply) |
| Oral exam (In-Network) | $0 copay (limits may apply) |
| Cleaning (In-Network) | $0 copay (limits may apply) |
| Fluoride treatment (In-Network) | $0 copay (limits may apply) |
| Comprehensive Dental | |
| Extractions (In-Network) | $0 copay (authorization required, limits may apply) |
| Diagnostic services (In-Network) | $0 copay (authorization required, limits may apply) |
| Extractions (Out-of-Net) | $0 copay (authorization required, limits may apply) |
| Non-routine services (In-Network) | $0 copay (authorization required, limits may apply) |
| Periodontics (In-Network) | $0 copay (authorization required, limits may apply) |
| Prosthodontics, other oral/maxillofacial surgery, other services (In-Network) | $0 copay (authorization required, limits may apply) |
| Endodontics (In-Network) | $0 copay (authorization required, limits may apply) |
| Prosthodontics, other oral/maxillofacial surgery, other services (Out-of-Net) | $0 copay (authorization required, limits may apply) |
| Restorative services (In-Network) | $0 copay (authorization required, limits may apply) |
| Periodontics (Out-of-Net) | $0 copay (authorization required, limits may apply) |
| Non-routine services (Out-of-Net) | $0 copay (authorization required, limits may apply) |
| Diagnostic services (Out-of-Net) | $0 copay (authorization required, limits may apply) |
| Restorative services (Out-of-Net) | $0 copay (authorization required, limits may apply) |
| Vision | |
| Upgrades | Not covered |
| Eyeglasses (frames and lenses) | Not covered |
| Contact lenses (In-Network) | $0 copay (limits may apply) |
| Other | Not covered |
| Routine eye exam (In-Network) | $0 copay (authorization required, limits may apply) |
| Eyeglass lenses (In-Network) | $0 copay (limits may apply) |
| Emergency Care / Urgent Care | |
| Emergency | $0 or $90 copay per visit (always covered) |
| Ground ambulance | 0% or 20% coinsurance |
| Inpatient hospital coverage | $0 copay per stay $0 per day for days 91 and beyond |
| Outpatient hospital coverage | $0 copay |
| Skilled Nursing Facility | In 2023 the amounts for each benefit period are $0 or: $0 copay for days 1 through 20 $200 copay per da |
| Optional supplemental benefits | No |
Feel free to download our UnitedHealthcare Dual Complete LP Summary of Benefits information.
Prescription Drug Plan Costs & Benefits
UnitedHealthcare Dual Complete LP includes an basic benefit Medicare Part D plan (PDP). This simply means that the plan covers the minimum amount required by the Centers for Medicare & Medicaid Services, whereas enhanced benefit plans cover more.
Basic plans typically have less cost-sharing by the plan than plans with an enhanced benefit. But, close to a third of all enhanced plans charge more than the average for preferred brand name drugs, and over 50% charge more for non-preferred brand drugs. For most people, a basic plan is their best bet, due to lower premiums and lower cost-sharing, even if the plan has a deductible.
Prescription Drug Plan Premium
Although the prescription drug plan (Part D) premium is bundled with the total plan cost, some plans have supplemental costs and/or offer low-income subsidy (LIS) assistance. The following table outlines the prescription drug plan premium details of this plan.
| Basic Part D Premium: | $42.60 |
| Supplemental Part D Premium: | $0.00 |
| Total Part D Premium: | $42.60 |
| Part D Premium with Full LIS Assistance: | $0.00 |
| Part D Premium with 75% LIS Assistance: | $10.60 |
| Part D Premium with 50% LIS Assistance: | $21.30 |
| Part D Premium with 25% LIS Assistance: | $31.90 |
For more information about the Low-Income Subsidy (aka, "Extra Help") program, refer to the Social Security Extra Help page.
Prescription Drug Plan Deductible
The Medicare Part D annual deductible with this plan is $505.00. This is the amount you must pay at the pharmacy before UnitedHealthcare begins paying its share.
Prescription Drug Plan Out-of-Pocket Costs
In addition to the plan's monthly premium and deductible, UnitedHealthcare Dual Complete LP has copayments (a fixed dollar amount) and/or coinsurances (a percentage amount) that you must pay when you pick up your prescriptions. The following table shows you those costs.
| Tier | Preferred | Standard |
|---|---|---|
| $0 copay on all covered generic and brand-name prescriptions. | ||
CMS Rating Marks and Our Review
Each year Medicare rates D-SNP plans, like this one, in nine major categories. These ratings are designed to help you understand the quality of care and service you can expect if you qualify and choose to join UnitedHealthcare Dual Complete LP.
In terms of quality care, this D-SNP is way better than the average Medicare Advantage plan in Arizona. From MedicareWire's perspective, UnitedHealthcare Dual Complete LP does an average job keeping plan members healthy through preventive care measures, including screenings, tests, and vaccines. This plan is good at managing its member's chronic (long-term) health conditions. The member experience with this UnitedHealthcare plan is average. Complaints and changes in plan performance are one way we can measure quality, and this plan scores good at both. The plan shines at customer service with an overall excellent mark on this important metric.
| CMS Measure | Star Rating |
|---|---|
| 2023 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
How to Qualify to Enroll in
UnitedHealthcare Dual Complete LP
To qualify for enrollment in UnitedHealthcare Dual Complete LP in Maricopa County, you must be eligible for both Medicare and Medicaid. To be eligible for Medicare, you must be age 65 or older, or have Social Security Disability Insurance for 24 months. To be eligible for Medicaid, your income and assets must be at or below Arizona's state thresholds.
Before enrolling in UnitedHealthcare Dual Complete LP, or any other dual-eligible SNP, be sure to ask the following questions:
- What costs should I expect to pay out-of-pocket (premiums, deductibles, copayments)?
- Will I be able to use my doctors? Are they in the plan's network?
- Are the plan's in-network providers and facilities in convenient locations?
- Does the plan provide coverage for services I receive from out-of-network providers?
- Do I need a referral to see a specialist?
- Are my medications on the Part D plan's formulary? What if I can't afford my medications?
- What special accommodations does the plan make for persons with disabilities?
- Does the plan offer free meal delivery after a stay in the hospital?
- What help is offered for caregivers? Is adult day care covered?
- Does the plan offer a prepaid card for over the counter medications and covered groceries?
Additional D-SNP Plan Options
Here are some additional Medicare SNP plans that might be worth reviewing:
- Mercy Care Advantage
- Banner Medicare Advantage Dual
- Wellcare Dual Liberty
- Molina Medicare Complete Care
- BCBSAZ Health Choice Pathway
Contact UnitedHealthcare
Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent (Mon-Sun 8am-11pm EST) and learn more about this Special Needs Plan and other plans on this site. You may also Enroll Online using our safe and secure online enrollment website or take advantage of the following plan resources:
| Plan Website: | http://www.UHCCommunityPlan.com |
|---|---|
| Formulay Information: | http://www.UHCCommunityPlan.com |
| Pharmacy Information: | UnitedHealthcare Pharmacy Page |
| Prospective Members: | (888)834-3721 |
| TTY Users: | (711)- |
If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Advantage program on www.medicare.gov.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
Citations & References
- UnitedHealthcare, http://www.UHCCommunityPlan.com, Last Accessed October 13, 2022
- Medicaid.gov, "Medicaid & CHIP in Arizona", Last Accessed January 20, 2023
- CMS.gov, "Dual Eligible Special Needs Plans (D-SNPs)", Last Accessed January 20, 2023
- CMS.gov, Landscape Source Files, Last Accessed January 21, 2023
- CMS.gov, Medicare Part C & D Performance, Last Accessed January 21, 2023
- CMS.gov, Plan Benefits Package, Last Accessed January 21, 2023