How does an UHC dual complete plan work?

Asked by: Stephon Schimmel  |  Last update: August 3, 2025
Score: 4.8/5 (72 votes)

UHC Dual Complete Special Needs Plans (SNP) offer benefits for people with both Medicare and Medicaid. These SNP plans provide benefits beyond Original Medicare, such as transportation to medical appointments and routine vision exams. Members must have Medicaid to enroll.

How does UnitedHealthcare dual complete work?

UnitedHealthcare Dual Complete plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare.

Is United Healthcare Dual Complete a good insurance?

United healthcare is a top rated insurance company and is very very competitive with Medicare because Medicare pays thousands of dollars a month so they use that money to create incentive programs.

How does a Medicare dual plan work?

When an individual has both Medicare Parts A and B, Medicare is the primary insurance and pays for most medical care. Medi-Cal is the secondary insurance, and it pays for costs not covered by Medicare and provides additional benefits not covered by Medicare.

Is dual complete Medicare an advantage?

A Dual Special Needs Plan is a special kind of Medicare Advantage coordinated-care plan. It is an all-in-one plan that combines your Medicare Part A and Part B benefits, your Medicare Part D prescription drug coverage, your Medicaid benefits and additional health benefits such as vision, dental or fitness.

What Are Dual Special Needs Plans (D-SNP)?

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Can you have Medicare and UnitedHealthcare at the same time?

Most UnitedHealthcare dual-eligible plans do not charge a separate monthly premium. People eligible for Medicare may also qualify for the program that helps lower the cost of prescription drugs. The Extra Help program may help pay your Medicare Part D monthly premiums, annual deductibles, and prescription copayments.

What is the biggest disadvantage of Medicare Advantage?

The biggest disadvantage of Medicare Advantage is that you have fewer doctors to choose from when you get medical care.
  • Plans can also cost more overall than Original Medicare if you have complex medical needs. ...
  • With some plans, you don't have any coverage if you use a doctor that isn't in the network.

Who is eligible for UHC dual complete benefits 2024?

UnitedHealthcare Dual Complete plans

This plan is available to anyone who has both Medical Assistance from the State and Medicare.

How does dual medical coverage work?

Having two health plans doesn't mean you'll receive full medical coverage twice. Instead, one policy will be your primary plan, and the other will be your secondary health coverage. This ensures the total amount your two plans will pay for your health expenses will never exceed 100% of the cost of those expenses.

Do you need a secondary insurance if you have a Medicare Advantage plan?

Supplemental insurance is advisable for those with Medicare to help cover out-of-pocket costs and gaps in coverage, offering financial protection for deductibles, coinsurance, and other medical expenses not fully covered by Medicare.

Does UnitedHealthcare Dual Complete cover dental implants?

Did you know the UnitedHealthcare Dual Complete Plan offers dental benefits that cover up to $4,000* for cleanings, fillings, crowns, root canals, extractions, dentures, and implants? If you are a qualified UnitedHealthcare Dual Complete member, please give us a call and schedule a consultation.

Is UnitedHealthcare a good insurance for Medicare?

UnitedHealthcare Medicare Advantage plans are rated at about the industry average, receiving an average rating of 3.93 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment.

What does dual complete mean in insurance?

Dual Complete. is designed for people who have Medicare and who are also entitled to assistance from Medicaid. Because you get assistance from Medicaid with your Medicare Part A and B cost-sharing. (deductibles, copayments, and coinsurance), you may pay nothing for your Medicare health care. services.

Do copays count towards deductible UnitedHealthcare?

No. Copays and coinsurance don't count toward your deductible. Only the amount you pay for health care services (like the medical bill you receive) count toward your plan's deductible.

Does UnitedHealthcare Dual Complete cover chiropractic care?

Enjoy routine chiropractic visits at no extra cost. It's just one of many extra benefits you could get with UnitedHealthcare Dual Complete® LP1 (HMO-POS D-SNP).

What are the disadvantages of dual insurance?

Cons and Considerations:
  • Complex Management: Involves more paperwork, potential claim delays, and higher premiums.
  • Coordination of Benefits: Primary insurance pays first, and secondary covers remaining eligible costs, requiring thorough understanding and communication.

What is UnitedHealthcare Dual Complete?

If you have Medicare and Medicaid, UnitedHealthcare Dual Complete is coverage you can count on. We're America's most chosen brand for Dual Special Needs plans, 1 with coverage 4 out of 5 members recommend. A Dual Complete plan helps you get more of the extras you love, along with what you already receive from Medicaid.

Do you still pay a copay if you have two insurances?

In most cases their secondary policy will pick up the copay left from the primary insurance. There are some cases where the secondary policy also has a copay and those patients may end up with a copay applied after both insurances process the claim.

What stores can I use my UCard in 2024?

Where can I use my UCard? You can shop at over 55,000 participating stores in the S3 network. The S3 retail network is an exclusive retail network that allows you to shop with your UCard at Walmart, Walgreens and CVS, or at neighborhood stores near you.

What did UnitedHealthcare replace silver sneakers with?

Some UnitedHealthcare Medicare Advantage plans include coverage for a program called Renew Active. Renew Active is similar to SilverSneakers but also incorporates brain health activities. Learn more about the Renew Active program.

What does dual eligible mean in healthcare?

People who are entitled to both Medicare and Medicaid, also known as dually eligible individuals, fall into several eligibility groups. These individuals may either be enrolled first in Medicare and then qualify for Medicaid or vice versa.

Why are people leaving Medicare Advantage plans?

Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.

What is the best Medicare plan that covers everything for seniors?

Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.

What is the disadvantage of UnitedHealthcare for seniors?

Cons About UnitedHealthcare Medicare Advantage

You may only have access to certain HMO or PPO plans in your area. And while UnitedHealthCare has competitive pricing, your location may only have access to plans with higher deductibles, more copays, and fewer additional benefits.