Health Plan RadarIn this article we rank Florida Medicare Advantage plans based on our evaluation of government 5-star quality scores.
Read more →UHC Dual Complete FL-D003 (PPO D-SNP)
by UnitedHealthcareⓇ
2026 Medicare-Medicaid Dual Eligible D-SNP plan available in Florida
Plan ID H1889-002-1
Additional coverage:
RxHearingVisionDental
Medicare-Medicaid Dual Eligible D-SNP PPO 4.0 Overall
Monthly plan premium $5 / mo
Annual deductible $0 / yr
Max out-of-pocket · in-network $9,250 / yr
Drug deductible $615 / yr
4.0 Overall Government Star Rating 2026 · out of 5 stars
Ready to enroll online?
Find your plan and self-enroll online
Enroll online →
We are now sending you to our trusted partner,
Medicare Enrollment
https://medicareenrollment.com
Support Our Senior 65+ Partner
Get Sign Up Help
Quote · Compare · Enroll
Speak with a licensed
insurance agent
(888) 763-2752 insurance agent
TTY 711
Medicare Advantage Plans Medicare Prescription Drug Plans Medicare Supplement Insurance Plans
Mon-Fri: 8am-9pm ET
Plan Overview
UHC Dual Complete FL-D003 (PPO D-SNP) is a Medicare-Medicaid Dual Eligible Medicare Advantage Plan (D-SNP), which is available in Florida and offered by the health insurance company UnitedHealthcareⓇ. This plan's network type is PPO, which determines the in-network doctors who accept the plan and whether a referral is needed.
Plan Name UHC Dual Complete FL-D003 (PPO D-SNP)
Insurance Carrier UnitedHealthcareⓇ
Plan Type Medicare-Medicaid Dual Eligible Medicare Advantage Plan (D-SNP)
Network Type PPO
Cost Summary
UHC Dual Complete FL-D003 (PPO D-SNP) has a monthly premium cost of $5 per month, with an annual deductible of $0 or $283 per year for some in-network and out-of-network services. and a maximum out-of-pocket cost sharing of $9,250. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.
Monthly Premium $5 / mo
Health portion of premium $0
Drug portion of premium $5
Annual Deductible $0 or $283 per year for some in-network and out-of-network services. / yr
Max Out-of-Pocket · in-network $9,250 / yr
Primary doctor visit 0%-20% coinsurance
Specialist visit 0%-20% coinsurance
ER visit $115 copay
Ambulance 20% coinsurance
Additional Benefits and Coverage
UHC Dual Complete FL-D003 (PPO D-SNP) is a Medicare Advantage plan which includes Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. UHC Dual Complete FL-D003 (PPO D-SNP) includes coverage for hearing, vision, dental.
Part D Prescription Drug Coverage Yes
Dental Yes
Vision Yes
Hearing Yes
Nationwide Coverage No
Other benefits
Fitness benefit Limited coverage
Over-the-counter drug benefits Limited coverage
In-home support services Limited coverage
Home & bathroom safety devices Limited coverage
Meals for short duration Limited coverage
Annual physical exams Limited coverage
Telehealth Limited coverage
Medical Benefits
Doctor Services
Primary doctor visit In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Specialist visit In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Tests, labs & imaging
Diagnostic tests & procedures In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Out-of-network: 40% coinsurance
Lab services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Diagnostic radiology services (like MRI) In-network: 0%-20% coinsurance
Out-of-network: 40% coinsurance
Out-of-network: 40% coinsurance
Outpatient x-rays In-network: 20% coinsurance
Out-of-network: 40% coinsurance
Out-of-network: 40% coinsurance
Emergency care $115 copay
Urgent care $0-$40 copay
Hospital Services
Inpatient hospital coverage In-network:
Tier 1
$1905 per stay
Out-of-network:
$1905 per stay
Tier 1
$1905 per stay
Out-of-network:
$1905 per stay
Outpatient hospital coverage In-network: 0%-20% coinsurance
Out-of-network: 40% coinsurance
Out-of-network: 40% coinsurance
Skilled nursing facility
Skilled nursing facility In-network:
Tier 1
$0 per day for days 1-20
$217 per day for days 21-100
Out-of-network:
$0 per day for days 1-20
$217 per day for days 21-100
Tier 1
$0 per day for days 1-20
$217 per day for days 21-100
Out-of-network:
$0 per day for days 1-20
$217 per day for days 21-100
Preventive services
Preventive services In-network: $0 copay
Out-of-network: 0%-40% coinsurance
Out-of-network: 0%-40% coinsurance
Ambulance
Ground ambulance In-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Therapy services
Occupational therapy visit In-network: 20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Physical therapy & speech & language therapy visit In-network: 20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Mental health services
Outpatient group therapy with a psychiatrist In-network: 20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Outpatient individual therapy with a psychiatrist In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Outpatient group therapy visit In-network: 20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Outpatient individual therapy visit In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Opioid treatment services
Opioid treatment services Covered
Other services
Durable medical equipment (like wheelchairs & oxygen) In-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Diabetes supplies In-network: $0 copay
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Prescription drugs (Part D benefits)
Drug tier standard retail · 1-month supply Initial coverage Catastrophic
Preferred Generic $0.00 copay $0 copay
Generic 25% coinsurance $0 copay
Preferred Brand 25% coinsurance $0 copay
Non-Preferred Drug 25% coinsurance $0 copay
Specialty Tier 25% coinsurance $0 copay
Part B drugs
Chemotherapy drugs In-network: 0%-20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Other Part B drugs In-network: 0%-20% coinsurance
Out-of-network: 20% coinsurance
Out-of-network: 20% coinsurance
Medicare star rating
Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, UHC Dual Complete (PPO D-SNP) earned an overall rating of 4.0 stars — worse than Florida's state average of 4.5 stars.
Rating category This plan State average
Overall star rating ★ 4.0 4.5
Health plan quality
Summary rating of health plan quality ★ 4.0 4.4
Staying healthy: screenings, tests & vaccines ★ 3.0 3.7
Managing chronic (long-term) conditions ★ 3.0 4.1
Member experience with health plan ★ 4.0 4.4
Member complaints & changes in performance ★ 4.0 4.0
Health plan customer service ★ 5.0 4.6
Drug plan quality
Summary rating of drug plan quality ★ 4.0 4.0
Drug plan customer service ★ 5.0 4.9
Member complaints & changes in performance ★ 4.0 3.4
Member experience with the drug plan ★ 5.0 4.4
Drug safety & accuracy of drug pricing ★ 4.0 4.1
Extra Benefits
Hearing
Hearing exam In-network: $0 copay
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Fitting/evaluation Not covered
Hearing aids - prescription In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Hearing aids - over the counter In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Preventive dental
Oral exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Cleaning In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Dental x-rays In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Comprehensive dental
Restorative services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Endodontics In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Periodontics In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Maxillofacial prosthetics In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Implant services Not covered
Oral and maxillofacial surgery In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Orthodontics Not covered
Adjunctive general services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Vision
Routine eye exam In-network: $0 copay
Out-of-network: 30% coinsurance
Out-of-network: 30% coinsurance
Contact lenses In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only) Not covered
Eyeglass lenses (only) Not covered
Upgrades In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Plan documents & tools
When can I sign up for Medicare?
Enter your birthday month and year to see when you can enroll in each part of Medicare.
Related Articles
Health Plan Radar Health Plan RadarA summary of new and returning health insurance companies offering Medicare Advantage Plans (Part C) and Medicare Prescription Drug Plans (Part D) in Florida.
Read more →