UCare Medicare Plans
We've been offering Medicare Advantage plans since 1998. Today, we have plans to fit every lifestyle and budget. In fact more than 125,000 Minnesotans choose UCare Medicare Plans, and nearly 96% of our members stay with us year after year.
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
We have lots of options you can choose from.
Some of the benefits you’ll enjoy in 2022:
- UCare AnywhereSM – Covers you when you’re out-of-network, so you can get care anywhere you travel in the U.S. at any Medicare provider.
- Fitness benefits – One Pass — a basic membership at more than 20,000 participating fitness centers at no cost to you.
- Community education discount – Get up to a $15 discount on 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.
Maps
UCare Medicare Service Area (PDF)
UCare Medicare with M Health Fairview & North Memorial Service Area (PDF)
EssentiaCare Service Area (PDF)
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 and UCare Aware both have a dental allowance.
- UCare Complete includes comprehensive dental at no additional premium.
- UCare Classic, Standard, Essentials Rx, Value and Value Plus have routine dental with optional dental coverage.
2021 UCare Medicare Dental Overview (PDF)
2021 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.
Important Plan Documents
- Evidence of Coverage
- Annual Notice of Changes
- Summary of Benefits
- Provider Directories
- Formulary (List of Covered Drugs)
- Plan Rating Information
Looking for 2021 plans?
UCare Medicare Advantage plans
UCare Classic
$185 - $217
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 20,000 locations
- Medicare Part D outpatient prescription drug coverage
- Routine dental care with option to add Classic Choice Dental
- Over-the-counter allowance $50 every 6 months
- Hearing aids
UCare Complete
$99 - $139
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 20,000 locations
- Low or no copays for doctor visits
- Medicare Part D outpatient prescription drug coverage
- Over-the-counter allowance $50 every 6 months
- Hearing aids
UCare Essentials Rx
$59 - $72
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 20,000 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
UCare Aware
$35
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 20,000 locations
- Medicare Part D outpatient prescription drug coverage
- $600 annual dental allowance
- Over-the-counter allowance $50 every 6 months
- Hearing aids
UCare Standard
$82
All-in-one coverage, affordable premium and plan includes Medicare Part D.
- One Pass fitness membership at more than 20,000 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
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 20,000 locations
- Routine dental care with option to add Choice Dental
- Over-the-counter allowance $75 every 6 months
- Hearing aids
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 20,000 locations
- Routine dental care with option to add Choice Dental
- Over-the-counter allowance $75 every 6 months
- Hearing aids
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 20,000 locations
- $250 annual dental allowance
- No monthly premium
- Medicare Part D outpatient prescription drug coverage
- Over-the-counter allowance $50 every 6 months
- Hearing aids
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.
EssentiaCare Grand
$109
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 20,000 locations
- Over-the-counter allowance $50 every 6 months
- Hearing aids
EssentiaCare Secure
$35
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 20,000 locations
- Over-the-counter allowance $50 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
- $250 annual dental allowance
- One Pass fitness membership at more than 20,000 locations
- Over-the-counter allowance $50 every 6 months
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 20,000 locations
- E-visits through OnCare
- Over-the-counter allowance $75 every 6 months
Care Core with M Health Fairview & North Memorial
$44
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 20,000 locations
- Over-the-counter allowance $50 every 6 months
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.