UCare's Minnesota Senior Health Options (MSHO)
About UCare's MSHO
(HMO D-SNP)
UCare's MSHO coverage combines your Medicare, Medical Assistance (Medicaid) and prescription drug coverage benefits. It's an all‑in‑one health plan that gives you even more.
Eligibility
Enroll in MSHO if you:
- Are 65 years of age or older
- Have Medical Assistance
- Have Medicare Part A and Part B
- Are a Minnesota resident who lives in the MSHO service area
Aitkin, Anoka, Becker, Benton, Blue Earth, Carlton, Carver, Cass, Chippewa, Chisago, Clay, Cook, Cottonwood, Crow Wing, Dakota, Dodge, Faribault, Fillmore, Freeborn, Hennepin, Houston, Isanti, Jackson, Kandiyohi, Kittson, Koochiching, Lac qui Parle, Lake, Lake of the Woods, Le Sueur, Lincoln, Lyon, Mahnomen, Marshall, Martin, Mille Lacs, Morrison, Mower, Murray, Nicollet, Nobles, Norman, Olmsted, Otter Tail, Pennington, Pine, Polk, Ramsey, Red Lake, Redwood, Rice, Rock, Roseau, Saint Louis, Scott, Sherburne, Stearns, Swift, Todd, Wabasha, Wadena, Washington, Watonwan, Winona, Wright and Yellow Medicine
2025 Benefits
You don't have to figure out your health care benefits on your own. When you enroll in UCare's MSHO, a care coordinator will help you understand your benefits and work with you to make a care plan. The care plan helps make sure you get the health care you need. Your care coordinator will schedule your appointments, talk to your doctors, order medical equipment, arrange for services to help you stay in your home, help you get different levels of care and more.
- $0 premiums,* deductibles and Medical Assistance (Medicaid) cost-sharing
- One member identification (ID) card for Medical Assistance, Medicare and prescription drugs
- $0 Part D prescription drugs
*You must continue to pay your Medicare Part B premium unless your Part B premium is paid for you by Medical Assistance of another third party.
- $0 meals — two meals a day for four weeks after a hospital stay
- Four $0 sessions with a community health worker upon discharge from an inpatient stay to help you stay home and out of the hospital
- $0 medication review with a pharmacist — review all your medications to ensure they are safe, effective and affordable, and get medication questions answered by a pharmacist
- $0 activity tracker plus Personal Emergency Response System (PERS) device with 24/7 calls-for-help, step and heart rate tracker and built-in GPS
- $0 blood pressure monitor for members with hypertension diagnosis, who use the activity tracker plus PERS device
- $0 health education classes focused on falls, chronic pain, arthritis, active living, diabetes and balance
- Up to $400 per year for community education classes added to your Healthy Benefits+ card ($100 a quarter)
- Memory Support Kit to help members living with memory loss
- Strong and Stable Kit to help you stay strong and prevent falls
- 12 $0 visits with a caregiver advisor per year through Caregiver Assurance. Get help with care coordination, service referrals, stress reduction tips and more.
- $900 per year for healthy groceries on your UCare Healthy Benefits+ Visa® Card ($75 per month)
- Up to $660 per year for utility bills and rent loaded to your Healthy Benefits+ card ($55 per month)
- Up to $280 per year over-the-counter (OTC) allowance loaded to your Healthy Benefits+ card to buy eligible health items ($70 every quarter)
- Rewards loaded to your Healthy Benefits+ card for taking care of your health
- $0 rides to medical appointments, grocery stores, gyms, health education classes, Alcoholics Anonymous and Narcotics Anonymous meetings (limits apply)
- $0 gym membership with access to gym locations nationwide, online classes, at-home fitness kits, brain training, no-cost social events, activities and more
- Up to $750 per year for safety equipment to keep you safe in the bathroom, bedroom and on the stairs
- $0 glasses upgrades like progressive lenses, non-glare coating and photochromic tinting
- $0 monthly routine foot care
- Access to UCare Dental Connection, which will help you find and schedule appointments with dental clinics
- Two $0 dental crowns per year, plus one crown repair
- Adult Dental Kit — electronic toothbrush and charger, replacement brush heads, toothpaste and dental floss. One kit every three years.
- Adult Dental Refill Kit — replacement brush heads, toothpaste and dental floss. One kit per year on the years you don't get the Adult Dental Kit.
2026 Benefits
Get personalized, dedicated help to improve your quality of life and well‑being with a dedicated care coordinator.
Your care coordinator helps to:
- Find or change your primary care clinic or doctor
- Arrange transportation, dental, mental health or other benefits and services
- Share information about preventive care, like annual checkups, vaccinations and screenings
- Ease the transition from hospital to home or nursing home, or other moves between care settings
- Support you to start exercising, quit smoking, find food or housing support, or take other steps to improve your health with your plan's programs
- Talk to your providers to improve your care
- $0 premiums,* deductibles and Medical Assistance (Medicaid) cost-sharing
- One member identification (ID) card for Medical Assistance, Medicare and prescription drugs
*You must continue to pay your Medicare Part B premium unless your Part B premium is paid for you by Medical Assistance of another third party.
- Up to $560 per year for over-the-counter items (OTC) items ($140 every three months) loaded to your Healthy Benefits+ Visa® card
- Rewards loaded to your Healthy Benefits+ card for taking care of your health
- $0 gym membership with access to gym locations nationwide, online classes, at-home fitness kits, brain training, no-cost social events, activities and more
- Up to $680 per year for healthy groceries ($170 every three months) loaded to your Healthy Benefits+ card*
- Up to $500 per year for utility bills and rent ($125 every three months) loaded to your UCare Healthy Benefits+ card*
- $0 rides for eligible members to covered medical, dental and pharmacy visits. Limitations apply.
- Two $0 round-trip rides per week to an approved location, such as the grocery store or gym*
*For members with certain chronic conditions on file with UCare.
- Stress and Anxiety Kit — get help with anxiety and managing stress by choosing from our Sleep Aid Kit, Stress Relief Kit or Smart Home Device Kit. Once per year for qualifying members.
- Memory Support Kit to help members living with memory loss
- Strong and Stable Kit to help prevent falls and stay strong
*For members with qualifying conditions on file with UCare.
- $0 glasses upgrades like progressive lenses, non-glare coating and photochromic tinting
- One $0 dental crown per year, plus one crown repair
- Access to UCare Dental Connection, which will help you find and schedule appointments with dental clinics
- $0 meals — two meals a day for four weeks after a hospital stay
- Four $0 sessions with a community health worker upon discharge from an inpatient stay to help you transition to life at home
- $0 medication review with a pharmacist — review all your medications to ensure they are safe, effective and affordable, and get medication questions answered by a pharmacist
Things to consider before you enroll
Is your doctor in network?
See if your providers are included in our network.
Are your drugs covered?
We cover a wide range of drugs from brand name to generic. See if your prescriptions are covered.
Did you review the plan?
Review these documents to make sure this is the right plan for you.
Additional documents
Opt in to Receive Non-Plan Information (online form)
Complete this form to receive updates about state or federal legislation, grassroots advocacy, community activities and more.
Part D Coverage Determinations, Appeals and Grievances
Find out how to make a complaint if you have concerns about your Part D coverage.
Part C Organizational Determinations, Appeals and Grievances
Questions and Answers about Health Care Directives (PDF)
Instructions for Appointing a Representative (PDF)