UnitedHealthcare Dual Complete Plan 1 (D-SNP HMO) A 2022 Suffolk County, New York Medicare Advantage Special Needs Plan
UnitedHealthcare Dual Complete Plan 1 is a 2022 Medicare Special Needs Plan (D-SNP) for people who live in Suffolk County, New York. This UnitedHealthcare HMO plan is required to provide all of the same benefits as Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage., and includes many additional benefits, but out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. for the member are different.
Key Takeaways
- UnitedHealthcare Dual Complete Plan 1 is a Medicare Advantage SNP plan available to people on Medicare who also qualify for New York state MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. benefits (dual-eligibleDual-eligible beneficiaries are those who receive both Medicare and Medicaid benefits. It includes beneficiaries enrolled in Medicare Part A and/or Part B while receiving full Medicaid and/or financial assistance through a Medicare Savings Program....).
- This is a zero-dollar D-SNP cost-sharing plan. Members have no copays when they use Medicare-approved healthcare services.
- To qualify to join this D-SNP, you must live in Suffolk County and be enrolled in Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and Part B, and qualify for full Medicaid benefits.
- It is a HMO style private health plan that includes Medicare Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... prescription drug benefits.
- The annual Part D deductible is $480.00. You pay this amount before cost-sharing begins.
- Plan members that also 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 copaymentsA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service..
- As required, UnitedHealthcare Dual Complete Plan 1 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 plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). available in Suffolk County, New York. Another way to get more coverage is with one of the many New York Medigap plans and a stand-alone Part D plan for Arizona residents.
| Plan Basics | |
|---|---|
| Plan ID: | H3387-014-2 |
| Plan Type: | D-SNP |
| Network Type: | HMO |
| Plan Year: | 2022 |
| Premium: | $42.40/mo Plus your Part B premium. |
| Health Plan Deductible: | $0.00 |
| Out-of-Pocket Maximum: | $7,550 In-networkDoctors, hospitals, pharmacies, and other healthcare providers that agree to health plan members' services and supplies at a set price are in-network providers. With some health plans, your care is only covered if you get... |
| Drug Plan Benefit: | Basic $480.00 deductible |
| Rx Gap Coverage: | No Gap Coverage |
| Supplemental Benefits: | Dental, Vision, Hearing |
| Availability: | Suffolk County, New York |
| Insured By: | UnitedHealthcare |
Health Plan Costs & Benefits
UnitedHealthcare Dual Complete Plan 1 is a Health Maintenance Organization (HMO) plan. HMO plan members usually receive health care services through the plan’s local network of providers. Referrals are almost always required to see a specialist and other providers. However, UnitedHealthcare Dual Complete Plan 1 does allow out-of-network care for emergencies and out-of-area dialysis.
PremiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. , deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share., 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 Plan 1's total monthly premium in Suffolk County is $42.40. This includes your prescription coverage, as well. Plus, you must continue to pay your monthly Medicare Part B premiumThe Medicare Part B premium is the monthly charge paid by beneficiaries for their outpatient medical care, services, and supplies. A beneficiary's premium may be uplifted by an IRMAA surcharge if their income is above....
Annual Deductible
UnitedHealthcare Dual Complete Plan 1'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 $7,550 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) | $7,550 In-network |
| Doctor Visits | |
| Primary | $0 copay |
| Wellness programs (e.g., fitness, nursing hotline) | Covered |
| Preventive care | $0 copay |
| Mental Health Services | |
| Outpatient individual therapy visit | $0 copay (authorization required) |
| Outpatient individual therapy visit with a psychiatrist | $0 copay (authorization required) |
| Outpatient group therapy visit with a psychiatrist | $0 copay (authorization required) |
| Inpatient hospital - psychiatric | $0 copay (authorization required) |
| Rehabilitation Services | |
| Occupational therapy visit | $0 copay (authorization required) |
| Medical Equipment / Supplies | |
| Prosthetics (e.g., braces, artificial limbs) | $0 copay (authorization required) |
| Durable medical equipmentDurable medical equipment (DME) is equipment that is designed to last and can be used repeatedly. It is suitable for home use and includes wheelchairs, oxygen equipment, and hospital beds. (e.g., wheelchairs, oxygen) | $0 copay (authorization required) |
| Diagnostic Procedures / Lab Services / Imaging | |
| Lab services | $0 copay (authorization required) |
| Diagnostic radiology services (e.g., MRI) | $0 copay (authorization required) |
| Outpatient x-rays | $0 copay (authorization required) |
| Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. Drugs | |
| Other Part B drugs | $0 copay (authorization required) |
| Foot Care (podiatry Services) | |
| Routine foot care | $0 copay (authorization required, limits may apply) |
| Hearing | |
| Fitting/evaluation | Not covered |
| Hearing aids | $0 copay (authorization required, limits may apply) |
| Preventive Dental | |
| Dental x-ray(s) | $0 copay (limits may apply) |
| Cleaning | $0 copay (limits may apply) |
| Oral exam | $0 copay (limits may apply) |
| Comprehensive Dental | |
| Diagnostic services | $0 copay (authorization required, limits may apply) |
| Periodontics | $0 copay (authorization required, limits may apply) |
| Prosthodontics, other oral/maxillofacial surgery, other services | $0 copay (authorization required, limits may apply) |
| Endodontics | $0 copay (authorization required, limits may apply) |
| Non-routine services | $0 copay (authorization required, limits may apply) |
| Extractions | $0 copay (authorization required, limits may apply) |
| Vision | |
| Upgrades | Not covered |
| Routine eye exam | $0 copay (authorization required, limits may apply) |
| Other | Not covered |
| Eyeglass lenses | $0 copay (limits may apply) |
| Contact lenses | $0 copay (limits may apply) |
| Eyeglass frames | $0 copay (limits may apply) |
| Emergency Care / Urgent Care | |
| Urgent care | $0 copay |
| Ground ambulance | $0 copay |
| Inpatient hospital coverage | $0 copay |
| Outpatient hospital coverage | $0 copay |
| Skilled Nursing Facility | $0 copay |
| Optional supplemental benefits | No |
Feel free to download our UnitedHealthcare Dual Complete Plan 1 Summary of Benefits information.
Prescription Drug Plan Costs & Benefits
UnitedHealthcare Dual Complete Plan 1 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 ServicesThe Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs., 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 subsidySocial Security's Low-Income Subsidy (LIS) program helps Medicare beneficiaries pay for their Medicare Part D prescription drugs by paying some of the costs. Also known as "Extra Help", beneficiaries who qualify for LIS receive premium... (LIS) assistance. The following table outlines the prescription drug plan premium details of this plan.
| Basic Part D Premium: | $42.40 |
| Supplemental Part D Premium: | $0.00 |
| Total Part D Premium: | $42.40 |
| 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: | $21.20 |
| Part D Premium with 25% LIS Assistance: | $31.80 |
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 $480.00. 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 Plan 1 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 Plan 1.
This Medicare Advantage D-SNP plan is way better than average. Here's how we can make this claimA request for payment that you submit to Medicare or other health insurance when you get items and services that you think are covered.. Staying healthy is the best way to save money on health care, and in MedicareWire's judgement, UnitedHealthcare Dual Complete Plan 1 does a good job keeping its Suffolk County members in top health through preventive care, including screenings, tests, and vaccines. This plan is good at managing its member's chronic (long-term) health conditions. Members report that their experience with this D-SNP plan is below 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 |
|---|---|
| 2022 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 Plan 1
To qualify for enrollment in UnitedHealthcare Dual Complete Plan 1 in Suffolk 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 New York's state thresholds.
Before enrolling in UnitedHealthcare Dual Complete Plan 1, 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 formularyA formulary is a list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Medications not on a plan's formulary are generally not covered.? 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?
Contact UnitedHealthcare
| 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.
Citations & References
- UnitedHealthcare, http://www.UHCCommunityPlan.com, Last Accessed October 15, 2021
- Medicaid.gov, "Medicaid & CHIP in New York", Last Accessed June 15, 2022
- CMS.gov, "Dual Eligible Special Needs Plans (D-SNPs)", Last Accessed May 21, 2022
- CMS.gov, Landscape Source Files, Last Accessed October 26, 2021
- CMS.gov, Medicare Part C & D Performance, Last Accessed October 6, 2021
- CMS.gov, Plan Benefits Package, Last Accessed October 4, 2021
This Medicare Advantage SNP plan information page was last updated on .