UnitedHealthcare Dual Complete
What is UnitedHealthcare Dual Complete, and how can it benefit you? This health plan uniquely serves those with both Medicare and Medicaid, offering a harmonized suite of services and benefits to make healthcare accessible and affordable.
Understand the perks, eligibility requirements, and enrollment process for UnitedHealthcare Dual Complete without the usual complexity. Read on to see how this plan may cater to your health and budget needs.
Key Takeaways
- UnitedHealthcare Dual Complete Plan is an integrated health coverage option for individuals with dual eligibility under Medicare and Medicaid, offering personalized care and extended benefits such as food, OTC products, and utility credits at no additional cost.
- Eligibility for the plan requires meeting certain age or disability criteria, enrollment in Original Medicare, and having MassHealth Standard, with income level primarily determining Medicaid eligibility.
- The plan offers a $0 annual medical deductible and copays for some services, including a prescription drug benefit with $0 copays for covered medications, plus additional health benefits, support services, and a wide network of providers.
Compare Plans in One Step!
Enter Zip Code
Understanding UnitedHealthcare Dual Complete
The UnitedHealthcare Dual Complete Plan is a specialized hmo pos d snp tailored for individuals with both Medicare and Medicaid, also known as dual special needs plans. This plan provides a wide array of healthcare services to address all your health needs.
Specifically designed for individuals who are 65 and older and have low income, this plan also covers those under 65 with disabilities who qualify for both Medicare and Medicaid.
What sets UnitedHealthcare Dual Complete apart from traditional Medicare/Medicaid? It’s simple – this insurance plan integrates the benefits of traditional Medicare/Medicaid, providing a more personalized healthcare solution for eligible individuals. This plan prioritizes your health needs.
Additionally, the UnitedHealthcare Dual Complete plan extends supplementary benefits via the UCard. This member ID provides access to a network of Medicare Advantage providers and grants credits for healthy food, OTC products, and utilities. These extra benefits and programs are designed to enhance your overall healthcare experience, all without any additional cost to you.
Fundamentally, UnitedHealthcare Dual Complete transcends being a mere health plan, acting as your partner in health maintenance and improvement, committed to providing you with the best care.
Your Eligibility Criteria
The UnitedHealthcare Dual Complete plan is specifically designed for individuals eligible for both Medicare and Medicaid. This plan complements your Medicaid coverage while preserving all Medicaid benefits, including prescription drug benefits.
Eligibility for UnitedHealthcare Dual Complete requires individuals to be 65 years or older, or to qualify due to a disability. They must also have MassHealth Standard and be enrolled in Original Medicare, without any other coverage. The monthly premium for the plan may vary depending on the individual’s eligibility.
Remember, income level is the determining factor for Medicaid eligibility. However, certain individuals may qualify for Medicaid based on their age, financial resources, or specific healthcare requirements. If they do, they are eligible for the UnitedHealthcare Dual Complete plan.
Enrollment Essentials
The enrollment process for UnitedHealthcare Dual Complete is straightforward. It all starts with an online enrollment application, where you’ll be required to answer a series of questions about your income and healthcare needs. Your responses will help determine your pocket maximum for the plan.
During your online enrollment, UnitedHealthcare Insurance Company has designed a series of brief inquiries. These inquiries aim to assess which plan aligns with your needs, ensuring you receive the most suitable coverage.
To submit your application, follow these steps:
- Click the “Enroll in Plan” button.
- Carefully read and agree to the enrollment disclaimer to proceed with the application process.
- Review the details about benefits, prescription drugs, and enrollment prerequisites provided by prescription drugs enrollment providers.
- Complete the application process.
It might seem like a lot, but it’s all to ensure you receive the evidence of coverage you need.
Zeroing in on Costs
A significant feature of the UnitedHealthcare Dual Complete plan is the cost-saving benefits it offers, including a $0 annual medical deductible.
To give you an example, eligible members enjoy a $0 copay for specific services, such as primary care provider visits, dental care, and prescription drugs. That’s right – no out-of-pocket payments for these services.
Moreover, eligible members may enjoy premiums as low as $0, especially for those with Extra Help (Low Income Subsidy). To see the most accurate premium information for your area, simply update your zip tooltip on the UnitedHealthcare website.
Although the UnitedHealthcare Dual Complete plan offers many $0 copay benefits, be mindful of potential limitations, exclusions, or network restrictions. These may apply depending on the plan or location. Stay informed by visiting the UnitedHealthcare website for detailed plan information.
Prescription Drug Perks
Another significant advantage of the UnitedHealthcare Dual Complete plan is its prescription drug coverage. With $0 copays for covered medications, members can enjoy substantial cost savings and benefits prescription drugs enrollment. This summary of benefits showcases the value of the plan.
This coverage encompasses a comprehensive array of prescription drugs and over-the-counter (OTC) drugs. For a comprehensive list of covered drugs, you can consult the UnitedHealthcare website.
Besides savings, the convenience of home delivery options for medications is also available to you. This feature enhances the accessibility and convenience of obtaining your prescriptions.
Just remember to use a different browser if you’re still using Internet Explorer, as our website no longer support Internet Explorer, making it essential to switch for a seamless experience on the UnitedHealthcare website. To avoid any inconvenience, please note that our website does not support Internet Explorer IE, so using an alternative browser is highly recommended.
Extra Health Benefits and Services
The UnitedHealthcare Dual Complete plan extends beyond typical coverage. It offers supplementary benefits and services at no additional cost. These include complimentary gym memberships and Fitbit devices, which promote a healthier lifestyle.
Additionally, you have access to transportation services for commutes to and from approved locations like doctor’s appointments, hearing and vision providers, and pharmacies, without incurring extra costs. It’s convenience redefined.
To qualify for the complimentary gym membership, individuals must be enrolled in both Medicare and Medicaid. They must also meet the criteria of being a Qualified Medicare Beneficiary or having Full Medicaid coverage as part of their UnitedHealthcare Dual Complete plan.
Support and Resources
UnitedHealthcare Dual Complete is devoted to delivering outstanding customer service. You can reach out to their team for general inquiries or technical issues. They’re available 24/7, ready to assist you whenever you need.
The support services from UnitedHealthcare Dual Complete coordinate Medicaid benefits and cover preventive care and routine services at no extra cost. It’s all about making healthcare more accessible and manageable for you.
A variety of digital tools are also offered, enabling members to find network providers, check recent claims, and arrange virtual visits with healthcare providers. These resources are designed to help you manage your healthcare needs more efficiently.
To top it all, there’s the UnitedHealthcare app. It’s designed to assist members of UnitedHealthcare Dual Complete in:
- making informed healthcare decisions
- accessing health plan information
- accessing health resources
- finding doctors and hospitals
- managing prescriptions
- tracking health goals
All of this benefit info is available right at their fingertips, allowing them to view accurate plan details with ease.
Navigating Network and Providers
The provider network of UnitedHealthcare Dual Complete is extensive, including doctors and healthcare facilities participating in the D-SNP plans. Whether you need a primary care physician, specialist, hospital, or other healthcare provider, you’re covered.
And yes, specialty care providers are included in the network of UnitedHealthcare Dual Complete. So, whatever your healthcare needs may be, you can be confident that the plan has you covered.
Locating in-network providers is easy, thanks to the tools available on the UnitedHealthcare website. You can find network doctors, dentists, and healthcare facilities, including hospitals or urgent care clinics, with just a few clicks.
Summary
UnitedHealthcare Dual Complete is not just a health plan. It’s a comprehensive solution designed to meet the unique needs of those eligible for both Medicare and Medicaid.
From $0 copays and premiums to prescription drug perks and extra health benefits, the plan offers an array of features that enhance your healthcare experience. With dedicated support and easy access to network providers, you’re always in control of your healthcare.
Remember, your health is your wealth. With UnitedHealthcare Dual Complete, you’re not just insured; you’re cared for. So why wait? Start your journey towards better health today.
Frequently Asked Questions
→ What does UnitedHealthcare dual complete mean?
UnitedHealthcare Dual Complete is a special plan for individuals with both Medicare and Medicaid, offering additional benefits beyond Original Medicare, such as transportation to medical appointments and routine vision exams. It is available exclusively for Medicaid enrollees.
→ What can you buy with the UCard hub?
You can use the UCard to purchase approved food items, over-the-counter medications, health items, and even utility bills. It also provides access to vision and dental care, rewards, and more.
→ What is dual advantage?
Dual Advantage refers to the Medicare Dual Advantage (HMO SNP) plan which is designed for individuals who qualify for both Medicaid and Medicare, offering coordinated healthcare with no monthly premiums or deductibles. It is a beneficial option for eligible individuals.
→ Which consumer may be a good candidate for a D-SNP?
A good candidate for a D-SNP includes individuals who meet the eligibility requirements for both Medicare and Medicaid, as well as those aged over 65 who receive extra help or state assistance, even if they are not on Medicaid.
→ Who is eligible for UnitedHealthcare Dual Complete?
Eligible individuals for UnitedHealthcare Dual Complete include those who are 65 and older, those with low income, and persons under 65 with disabilities who qualify for both Medicare and Medicaid. This plan could be beneficial for you if you meet these criteria.
ZRN Health & Financial Services, LLC, a Texas limited liability company
Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.