UCare Health Plans
UCare offers plans with one of the largest networks and at some of the lowest prices around.
UCare health plans were designed with you in mind
UCare offers a variety of plan options for individuals and families who buy their own coverage, and are available across most of the state. If you’re in the 10-county metro area surrounding the Twin Cities, choose between our broad or more focused network with M Health Fairview.
Service Area Map (PDF)
Around the state, our plans offer:
- Some of the lowest rates so you can save on your monthly premium and get more for your money
- A large network of health providers so you can keep your doctor
- A variety of plans and coverage levels to suit your lifestyle, like unlimited copays for primary and specialty care visits with our Silver copay plan if you need regular care
- In-network preventive care covered at 100%
- Online and convenience care at no additional cost* so you can save a trip to the doctor
- Dental and eye exams for kids younger than 19
- Valuable member perks like monthly reimbursements for gym memberships, monthly savings up to $200 on healthy groceries, discounts on community education classes, support and resources through member assistance programs and car seats at no additional cost, rewards when you complete your preventive visits and more!
*Online and convenience care are available at no additional cost for members with copay health plans. HSA-compatible health plans require payment for online and convenience care.
Important Plan Documents
- Evidence of Coverage
- Annual Notice of Changes
- Summary of Benefits
- Provider Directories
- Formulary (List of Covered Drugs)
- Plan Rating Information
2021 UCare Individual & Family Plans
Here’s a summary of our plans. Use our shopping tool to find a plan that's right for you. You'll find more plan details, UCare monthly premium amounts and an estimate of subsidies you may be eligible for on MNsure based on your household details. MNsure will determine your eligibility for subsidies and the exact amount when you enroll on MNsure.
UCare Core
Available to people 30-years-old or younger, or if you qualify for a hardship exemption. Protect yourself from worst-case scenarios with this basic plan.
- Lowest monthly premium
- Highest out of pocket costs
- Unlimited convenience and virtual care covered at no additional cost
- Fully covered in-network preventive care, enhanced coverage for COVID-19 testing and treatment during the public health emergency and money-saving health and wellness discounts included
UCare Bronze and UCare M Health Fairview Bronze
Robust benefits with a premium for those on a budget.- Lower monthly premium
- Higher up-front copays for office visits and prescription drugs
- Unlimited convenience and virtual care covered at no additional cost
- Fully covered in-network preventive care, enhanced coverage for COVID-19 testing and treatment during the public health emergency and money-saving health and wellness discounts included
- Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro
UCare Bronze HSA and UCare M Health Fairview Bronze HSA
A flexible, tax-advantaged way to cover medical expenses for those whose health care costs are routinely low.- Lower monthly premium
- Higher up-front deductible
- Fully covered in-network preventive care not subject to the deductible, enhanced coverage for COVID-19 testing and treatment during the public health emergency and money-saving health and wellness discounts included
- Compatible with a Health Savings Account (HSA)
-
Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro
UCare Silver and UCare M Health Fairview Silver
A comprehensive plan with fewer out-of-pocket costs.
- Medium monthly premium
- Medium up-front copays for office visits and prescription drugs
- Unlimited convenience and virtual care covered at no additional cost
- Fully covered in-network preventive care, enhanced coverage for COVID-19 testing and treatment during the public health emergency and money-saving health and wellness discounts included
- Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro
UCare Silver HSA and UCare M Health Fairview Silver HSA
A flexible, tax-advantaged way to cover medical expenses for those who want a comprehensive plan with fewer out-of-pocket costs.
- Medium monthly premium
- Medium up-front deductible
- Fully covered in-network preventive care not subject to the deductible, enhanced coverage for COVID-19 testing and treatment during the public health emergency and money-saving health and wellness discounts included
- Compatible with a Health Savings Account (HSA)
-
Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro
UCare Gold and UCare M Health Fairview Gold
Rich benefits with the lowest copays and deductible.
- Highest premium
- Lowest copays and deductible with unlimited office visit copays
- Unlimited convenience and virtual care covered at no additional cost
- Fully covered in-network preventive care, enhanced coverage for COVID-19 testing and treatment during the public health emergency and money-saving health and wellness discounts included
- Decide between UCare’s broad network or our more focused network with M Health Fairview, if you live in the 10-county metro
