What Is UnitedHealthcare Dual Complete Plan
UnitedHealthcare’s D-SNP plans, known as UnitedHealthcare Dual Complete, assist people in coordinating care and benefits, and typically include extra benefits such as dental and vision coverage, free rides to and from doctor appointments and pharmacies, and credits to purchase over-the-counter health products and healthy foods at local retailers. Prescription drug coverage is included in all UnitedHealthcare D-SNP plans. In most D-SNP plans, UnitedHealthcare will eliminate copayments on covered medications in 2021.
UHC Dual Complete plans include Medicaid coverage as well, and they work in tandem with state Medicaid systems that provide overlapping benefits. In these circumstances, Medicare is the principal payer, followed by Medicaid.
Because Medicaid coverage varies by state and most Medicaid benefits are covered by Medicare, the true value of these plans in terms of Medicaid is that they may cover most or all of your out-of-pocket Medicare expenditures (deductibles, copays, coinsurance, and so on).
Suggested Read: Family First Life Insurance Review
What Are UnitedHealthcare Dual Complete’s Advantages?
UHC Dual Complete plans include a number of benefits not found in Original Medicare, such as dental, vision, hearing, prescription drugs, transportation, and even acupuncture, chiropractic care, over-the-counter health products, and gym memberships, in addition to all of the same benefits as Original Medicare
Dual plans provide additional benefits and features at no additional expense.
At no additional expense, you might gain many more benefits and features than Original Medicare.
These additional benefits could include:
- Dental treatment, as well as credit for restorative work
- Free eye exams and eyewear credit
- Hearing tests, as well as credit for hearing aids
- Transportation to medical appointments and the drugstore
- Credits to spend on a variety of health-related items
People who are dual eligible can normally enroll for no monthly fee as an added benefit. As a result, a dual plan is also a low-cost option.
What Are the UHC Dual Complete Eligibility Requirements?
You must first be qualified for Medicare. You must be at least 65 years old or have a qualifying disability, as well as a U.S. citizen or permanent legal resident, to qualify.
After that, you must be Medicaid-eligible. Medicaid eligibility differs by state, includes several categories, and is mostly determined by income and assets. Medicaid eligibility is also subject to age limitations in some states.
UHC Dual Complete is also accessible to participants in the following four programs:
- Qualified Medicare Beneficiary Plus (QMB+)
- Medicare Beneficiary Who Is Eligible (QMB)
- SLMB+ (Specified Low-Income Medicare Beneficiary
- Dual Eligible for Full Benefits (FBDE)
What Is the Process for Enrolling in UnitedHealthcare Dual Complete?
When you first become eligible for Medicare during your Initial Enrollment Period, you can enroll in a UnitedHealthcare Dual Complete plan.
You can also enroll during the Medicare Annual Enrollment Period, which runs from October 15 to December 7. This is also known as the Medicare Open Enrollment Period in the Fall.
You may be allowed a Special Enrollment Period if you move to a new area or experience another qualifying life event, during which you may be able to enroll in a UnitedHealthcare Dual Complete plan.
You can only sign up for a Medicare Advantage plan that is available in your area. Because there are so many insurance companies that sell Special Needs Plans and other types of Medicare Advantage plans, it’s a good idea to consult with a professional insurance agent to go over all of your options and pick the best one for you.
What Are the Benefits of a Dual Complete Plan?
A UnitedHealthcare Dual Complete plan in Washington state provides additional benefits. These advantages will be available in 2020:
- $3,000 in annual dental care credits for exams, x-rays, fillings, crowns, root canals, dentures, and extractions;
- $1,100 in store credit to be used toward the purchase of approved over-the-counter health products from a catalogue, online, or in stores;
- Hearing tests and hearing aid credits;
- A bi-annual eye checkup and an eyewear credit; and
- Access to fitness centres at no extra charge;
- 4 appointments to the podiatrist each year;
- 48 one-way trips to medical appointments and the pharmacy;
- No cost for 20 acupuncture and chiropractic visits per year;
- NurseLine is available 24 hours a day, 7 days a week for immediate assistance.
Plus, people who are eligible for a Dual Complete plan normally don’t have to pay a monthly premium, making it a cost-effective option.
When Will People Be Able to Apply?
Because health plan benefits are generally front of mind for customers during open enrollment, it’s a wonderful time to investigate a DSNP. People who are qualified for a DSNP, on the other hand, can enroll or switch to a new plan at any time throughout the year, not only during the Annual Enrollment Period.
What Do I Apply?
You’ll need to fill out an application form to apply for Medicaid. Medicaid has varied requirements in each state. You’ll almost certainly need the following documents:
Information about the individual
- Information on the members of the household (name, date of birth and Social Security number)
- Identification and proof of citizenship
- Information about money
- Information about rent or a mortgage
- Charges (utilities, daycare, etc.)
- Details about the vehicle
- Account statements
- Earnings (pay stubs)
- Health-related information
- Documentation of disability or medical papers demonstrating a long-term medical condition
- Medical bills received recently
UnitedHealthcare is the clear market leader in the Medicare insurance market, with a wide range of Medicare insurance options to choose from. Although some UnitedHealthcare plans have greater rates, the benefits are extensive, and the network of healthcare providers is particularly wide. Their user-friendly website and online resources, as well as their high-quality ratings and unique collaboration with AARP, should provide buyers with peace of mind.
If you are having a trouble paying for insurance, use credit card facility. A good option here is Milestone Gold Card which requires no security deposit.
Frequently Asked Questions
Q) What is a Dual Special Needs Plan, and how does it work?
A health insurance plan for people with dual special needs is known as a dual special needs plan. It is for persons who are eligible for both Medicaid and Medicare. You’re “dual-eligible” if that describes you. (This is just another way of saying you can have both Medicaid and Medicare.)
Q) What does it mean to be dual eligible?
“Dual eligible” people are those who qualify for both Medicare and Medicaid at the same time. They qualify for both health-care plans because they are “dual eligible.”
Q) Is it possible for me to have both Medicaid and commercial insurance?
Each state’s Medicaid health-care program is controlled by the state government. However, the state government does not offer health insurance. Private insurance businesses such as UnitedHealthcare have contracts with each state government. These businesses offer health insurance to persons who are eligible for Medicaid and other government-sponsored health-care programs. UnitedHealthcare Community Plan is the brand name for UnitedHealthcare’s government-sponsored health plans.
Q) What makes this a strategy for dual-eligible people?
Dual special needs plans are for those who require additional assistance. This could be due to a variety of factors, including income, disability, age, and/or health issues. Medicare Advantage plans, often known as dual plans, are a type of Medicare Advantage plan. For short, D-SNP stands for dual special needs plans. All of these names have the same meaning.
Q) How does it work if you’re both Medicaid and Medicare eligible?
Your Medicaid health plan and a dual special needs plan operate together. You will be able to preserve all of your Medicaid benefits. The majority of dual plans also have greater benefits and features than Original Medicare. All for the low price of a $0 plan premium.