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Call 1-877-671-1058 (TTY users call 1-800-688-2534)

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 may enjoy in 2024:

  • Coverage when traveling — Coverage varies by plan. 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. Many of our plans also include in-network coverage within the U.S. when you see providers who participate in the MultiPlan Network.
  • One Pass fitness benefits — a basic membership at more than 24,000 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). Not available with UCare Your Choice plans.
  • $0 copay for mental health office visits

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.

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

All our Medicare plans include access to dental care. The level of coverage varies by plan.

  • UCare Aware, UCare Your Choice, UCare Your Choice Plus, EssentiaCare Access, and Care Wise 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

2024 UCare Medicare Dental Overview (PDF)

2024 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 Your Choice plans and EssentiaCare Access do not require use of a dental network.

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.

Compare plans side by side





UCare Classic

$161 - $206

A comprehensive plan with a full suite of benefits and little or no out-of-pocket expenses for each visit and prescription, plus dental.

  • Medicare Part D outpatient prescription drug coverage
  • No deductible on all tiers of prescription drugs
  • Routine dental care with option to add Classic Choice Dental
  • $200 prescription eyewear allowance
  • Over-the-counter allowance $75 every 6 months
  • Hearing aids





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
  • $900 flexible allowance to use on dental, hearing aids and prescription eyewear
  • Over-the-counter allowance $75 every 6 months
  • Available in St. Louis, MN and three WI counties

EssentiaCare Secure

$19

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
  • Routine dental care with option to add Choice Dental
  • $100 prescription eyewear allowance
  • Over-the-counter allowance $75 every 6 months
  • Available in select Minnesota and three WI counties

EssentiaCare Grand

$79

For those who want all-around coverage that includes Medicare Part D

  • Medicare Part D outpatient prescription drug coverage
  • No deductible on all tiers of prescription drugs
  • Routine dental care with option to add Choice Dental
  • $200 prescription eyewear allowance
  • Over-the-counter allowance $75 every 6 months
  • Hearing aids
  • Available in select Minnesota and three counties in WI

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.

  • $25 Medicare Part B premium giveback
  • No monthly premium
  • Medicare Part D outpatient prescription drug coverage
  • $850 annual dental allowance
  • $100 prescription eyewear allowance
  • Over-the-counter allowance $75 every 6 months
  • E-visits through OnCare

Care Core with M Health Fairview & North Memorial

$28

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
  • $100 prescription eyewear allowance
  • Over-the-counter allowance $75 every 6 months
  • E-visits through OnCare

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.


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