UCare Medicare Plan details
We've been offering Medicare Advantage plans since 1998. Today, we have plans to fit every lifestyle and budget. Here you'll find all the information you need to choose the perfect plan for you — browse our plan details, view important plan documents and more.
UCare has a plan for you
No matter where you live in Minnesota, UCare has a Medicare plan to fit you and your wallet. You can choose the level of coverage that’s right for you and decide if you’d rather:
- Pay a higher premium and pay less for care when you need it
- Pay a lower premium and pay more for care when you need it
UCare Medicare Advantage plans
Some of the benefits you’ll enjoy in 2023:
- Coverage when traveling — With UCare Anywhere℠, you can travel in the U.S. and get care from any provider that accepts Medicare, and you have emergency coverage worldwide. Plus, you're covered with many out-of-state providers that participate in the MultiPlan Network.
- Fitness benefits – One Pass — a basic membership at more than 23,000 participating fitness centers at no cost to you.
- Community education discount – Get up to $15 off most Minnesota community education classes, like cooking or learning a new language. Check your local community education catalog or contact the local school district for class times and locations. Limit of three discounts in a calendar year (one discount per class enrollment).
See all Health and Wellness benefits
To become a UCare Medicare member, you must:
- Have Medicare Part A and Part B (by age or disability)
- Live in the UCare Medicare service area - which includes the entire state of Minnesota. Note: Some plans are not available in all counties.
The plans available to you depend on which county you live in. Our shopping tool will show you what's available based on your county as well as premiums and copays.
If you prefer to compare on paper, view a Summary of Benefits or request a free information kit.
UCare Medicare Summary of Benefits - Metro (PDF)
UCare Medicare Summary of Benefits - North (PDF)
UCare Medicare Summary of Benefits - South (PDF)
UCare Medicare Plans with M Health Fairview & North Memorial (PDF)
EssentiaCare Summary of Benefits* (PDF)
*Service area includes Minnesota and Wisconsin.
Health care costs can vary depending on the area in which you live. Our coverage area is divided into three regions based on counties: North, South and Metro. Find your county on the list below or view the map of UCare Medicare regions to find out which region you are in.
North
Aitkin, Becker, Beltrami, Carlton, Cass, Clay, Clearwater, Cook, Crow Wing, Douglas, Grant, Hubbard, Itasca, Kanabec, Kittson, Koochiching, Lake, Lake of the Woods, Mahnomen, Marshall, Morrison, Norman, Otter Tail, Pennington, Pine, Polk, Red Lake, Roseau, St. Louis, Todd, Wadena, Wilkin
Metro
Anoka, Benton, Carver, Chisago, Dakota, Hennepin, Isanti, Mille Lacs, Ramsey, Scott, Sherburne, Stearns, Washington, Wright
South
Big Stone, Blue Earth, Brown, Chippewa, Cottonwood, Dodge, Faribault, Fillmore, Freeborn, Goodhue, Houston, Jackson, Kandiyohi, Lac qui Parle, Le Sueur, Lincoln, Lyon, Martin, McLeod, Meeker, Mower, Murray, Nicollet, Nobles, Olmsted, Pipestone, Pope, Redwood, Renville, Rice, Rock, Sibley, Steele, Stevens, Swift, Traverse, Wabasha, Waseca, Watonwan, Winona, Yellow Medicine
Our Medicare plans include dental coverage, with either a yearly dental allowance or preventive dental with optional additional dental coverage.
- UCare Prime, Aware, UCare Your Choice, UCare Your Choice Plus, EssentiaCare Access, and CareWise have a dental allowance.
- UCare Complete, Value and Care Core include routine and restorative dental for no extra premium.
- UCare Essentials Rx, Standard, Classic, Value Plus, EssentiaCare Secure and Grand have routine dental with optional coverage available
2023 UCare Medicare Dental Overview (PDF)
2023 EssentiaCare Dental Overview (PDF)
You will get the best benefit by using a network dentist. UCare Medicare Plans use the Delta Dental Medicare Advantage Network administered by Delta Dental of Minnesota.
UCare Medicare Advantage plans
As you explore your options, we'll make it easy to compare plan features and costs. Browse our plans below or compare plans side by side with our easy-to-use shopping tool.
UCare Prime
$0
For those willing to pay higher cost-sharing in exchange for a $0 premium, but who still want good coverage in case of an emergency or catastrophic illness.
- One Pass fitness membership at more than 23,000 locations
- $400 annual dental allowance
- No monthly premium
- Medicare Part D outpatient prescription drug coverage
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Metro/North
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
Plan Comparison Chart - North (PDF)
South
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - South (PDF)
Summary of Benefits - South - Spanish (PDF)
Plan Comparison Chart - South (PDF)
UCare Aware
$24
Very low monthly premium, includes Medicare Part D, many extras with a slightly higher out-of-pocket maximum.
- One Pass fitness membership at more than 23,000 locations
- Medicare Part D outpatient prescription drug coverage
- $600 annual dental allowance
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
Plan Comparison Chart - North (PDF)
UCare Essentials Rx
$52- $70
For those who don't foresee any large expenses for health care, so are fine paying some copays in exchange for a lower premium, but still want all-in-one coverage that includes Medicare Part D, plus dental.
- One Pass fitness membership at more than 23,000 locations
- Medicare Part D outpatient prescription drug coverage
- Routine dental care with option to add Choice Dental
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Metro
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
North
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Plan Comparison Chart - North (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
UCare Standard
$80
All-in-one coverage, affordable premium and plan includes Medicare Part D.
- One Pass fitness membership at more than 23,000 locations
- Medicare Part D outpatient prescription drug coverage
- Routine dental care with option to add Choice Dental
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - South (PDF)
Summary of Benefits - South - Spanish (PDF)
Plan Comparison Chart - South (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
UCare Complete
$97 - $102
Great coverage at a moderate premium with a low cap on annual out-of-pocket expenses, with dental included for no extra premium.
- One Pass fitness membership at more than 23,000 locations
- Low or no copays for doctor visits
- Medicare Part D outpatient prescription drug coverage
- Routine and restorative dental coverage at no additional cost
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Metro
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
North
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Plan Comparison Chart - North (PDF)
South
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - South (PDF)
Summary of Benefits - South - Spanish (PDF)
Plan Comparison Chart - South (PDF)
UCare Classic
$175- $220
A comprehensive plan with a full suite of benefits and little or no out-of-pocket expenses for each visit and prescription, plus dental.
- One Pass fitness membership at more than 23,000 locations
- Medicare Part D outpatient prescription drug coverage
- Routine dental care with option to add Classic Choice Dental
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Metro
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
North
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Plan Comparison Chart - North (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
South
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - South (PDF)
Summary of Benefits - South - Spanish (PDF)
Plan Comparison Chart - South (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
UCare Value Plus
$0
For those who do not want Medicare Part D outpatient prescription drug coverage and want access to a large network and a premium reduction to their Part B.
- One Pass fitness membership at more than 23,000 locations
- Routine dental care with option to add Choice Dental
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Summary of Benefits - South (PDF)
Summary of Benefits - South - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
Plan Comparison Chart - North (PDF)
Plan Comparison Chart - South (PDF)
2023 UCare Medicare Advantage Dental Certificate (PDF)
Part B Medical Injectable Drug Authorization List (PDF)
(updated 1/24/23)
UCare Value
$29
For those who don’t need Medicare Part D coverage and want access to a large network and other extras
- One Pass fitness membership at more than 23,000 locations
- Routine and restorative dental coverage at no additional cost
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Formulary (List of Covered Drugs)
Prescription Drug Calculator
Provider and Pharmacy Directory (PDF)
Service Area Map (PDF)
Annual Notice of Changes (PDF)
Annual Notice of Changes - Spanish (PDF)
Evidence of Coverage (PDF)
Evidence of Coverage - Spanish (PDF)
Summary of Benefits - Metro (PDF)
Summary of Benefits - Metro - Spanish (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - North - Spanish (PDF)
Summary of Benefits - South (PDF)
Summary of Benefits - South - Spanish (PDF)
Plan Comparison Chart - Metro (PDF)
Plan Comparison Chart - North (PDF)
Plan Comparison Chart - South (PDF)
Part B Medical Injectable Drug Authorization List (PDF)
(updated 1/24/23)
UCare Your Choice
$0
Basic coverage with flexible spending allowance and flexible network at no monthly cost
- One Pass fitness membership at more than 23,000 locations
- $900 combined annual allowance for dental, hearing aids and eyewear
- No monthly premium
- Medicare Part D outpatient prescription drug coverage
- Over-the-counter allowance $75 every 6 months
UCare Your Choice Plus
$75
Comprehensive coverage with flexible spending allowance and flexible network.
- One Pass fitness membership at more than 23,000 locations
- $1,800 combined annual allowance for dental, hearing aids and eyewear
- Medicare Part D outpatient prescription drug coverage
- Over-the-counter allowance $75 every 6 months
EssentiaCare Access
$0
For those who want no monthly premium, can afford to pay more in copays if needed, want Medicare Part D prescription drug coverage and more in their plan.
- No monthly premium
- Medicare Part D outpatient prescription drug coverage
- Available in St. Louis, MN and three WI counties
- $400 flexible allowance to use on dental, hearing aids and prescription eyewear
- One Pass fitness membership at more than 23,000 locations
- Over-the-counter allowance $50 every 6 months
EssentiaCare Secure
$33
All-in-one medical and prescription coverage with higher out-of pocket costs at a low affordable monthly premium.
- Medicare Part D outpatient prescription drug coverage
- Available in select Minnesota and three WI counties
- Routine dental care with option to add Choice Dental
- One Pass fitness membership at more than 23,000 locations
- Over-the-counter allowance $75 every 6 months
EssentiaCare Grand
$93
For those who want all-around coverage that includes Medicare Part D
- Medicare Part D outpatient prescription drug coverage
- Available in select Minnesota and three counties in WI
- Routine dental care with option to add Choice Dental
- One Pass fitness membership at more than 23,000 locations
- Over-the-counter allowance $75 every 6 months
- Hearing aids
Care Wise with M Health Fairview & North Memorial
$0
For those who want a $0 monthly premium and prescription drug coverage and are willing to pay higher out-of-pocket costs when they get care.
- No monthly premium
- Medicare Part D outpatient prescription drug coverage
- $300 annual dental allowance
- One Pass fitness membership at more than 23,000 locations
- E-visits through OnCare
- Over-the-counter allowance $75 every 6 months
Care Core with M Health Fairview & North Memorial
$42
For those in good health who want an affordable plan that covers all the care you need with no or low copays, dental coverage, and online care options. You can also see specialists at the University of Minnesota and independent providers at Entira Family Clinics and Voyage Healthcare.
- Low monthly premium
- Medicare Part D outpatient prescription drug coverage
- Routine and restorative dental coverage
- E-visits through OnCare
- One Pass fitness membership at more than 23,000 locations
- Over-the-counter allowance $75 every 6 months
Medicare Group Plans
Group plans are offered by employers to their retirees. Benefits and prices (premiums, copays and coinsurance costs) vary from group to group.
The service area includes the entire state of Minnesota and 26 Wisconsin counties.
Learn more about Group Medicare plans or call 1-877-598-6574 toll free (TTY: 1-800-688-2534) 8 am – 5 pm, Monday – Friday.
Questions and Answers about Health Care Directives (PDF)
Instructions for Appointing a Representative (PDF)
Statement of Representative - UCare Medicare (PDF)
Medicare Claim Reimbursement Form - UCare Medicare (PDF)
Medicare Claim Reimbursement Form - UCare Medicare w/ Fairview & North Memorial (PDF)
Use this form to be reimbursed for covered health care expenses.
Automatic Payment Form - UCare Medicare (PDF)
Automatic Payment Form - UCare Medicare w/ M Health Fairview & North Memorial (PDF)
Sign up to have your plan premium automatically deducted from your checking or savings account each month.
Questions and Answers about Health Care Directives (PDF)
Instructions for Appointing a Representative (PDF)
Statement of Representative - EssentiaCare (PDF)
Medicare Claim Reimbursement Form - EssentiaCare (PDF)
Use this form to be reimbursed for covered health care expenses.
Automatic Payment Form - EssentiaCare (PDF)
Sign up to have your plan premium automatically deducted from your checking or savings account each month.