Member FAQ

It’s easy! Before you start, you’ll need an email address and your UCare member identification (ID) number.

1. When you visit ucare.org, look for the blue bar at the top of your screen. Find “log in” in the upper right corner and select it.
2. Next, click “online member account” in the menu
3. On this page, click the “Sign in” button. This will bring you to the login webpage.
4. Find where it says “Don’t have an account? Sign up” at the bottom of the white login block and click the “Sign up” link
5. Fill in your email address, name, member ID, date of birth, ZIP code and password.
   
   Your password needs to have at least 8 characters, one lowercase letter, one uppercase letter, one number, no parts of your username and doesn’t include your first or last name.
6. Click “Sign Up”

Next, you’ll have to verify your email and set up a security question.

1. Click “Set up” under “Email”
2. Check your email for a message from UCare and click the “Activate account” button inside
3. Next, click “Set up” under “Security Question” to select a question and give an answer. Click “Verify”.

Success! Your account is set up. Use your email address and password to log in.

We'll display this message if the information you entered doesn't match what we have on file for you. Check that what you entered matches our records. Below are some common issues. 

Member ID

Your member ID number is on your UCare member ID card. Medicare and Individual & Family Plan members: If you're using the UCare member ID number from your premium invoice, add two zeros (00) after the first seven digits in the member ID field. For Individual & Family Plan members: Other members on your policy, such as a spouse or dependent, can create an online member account using the member ID number listed on their UCare member ID card. The member ID number for other members on your policy should end in 01, 02, etc.

First Name

Use your full name as written on your application for coverage. For example, Use Charles instead of Charlie or Anastasia instead of Ana.

Last Name

Use your last name as written on your application. If you see a “Jr” or “Sr” suffix next to your name, include that as listed in this Last Name field.

Date of Birth

Type your date of birth in any of these formats:

• DD/MM/YYYY
• DD-MM-YYYY
• DDMMYYYY

For example, use 01/01/1950 instead of 1/1/1950.

ZIP Code

If you've recently moved, we may still have an old address on file for you. Try using the ZIP code from your previous address. Once logged in, you can visit your account summary to update your information on file.

Each individual member needs to register for their own online member account using separate email addresses. This helps keep your personal health information safe and secure.

If you forgot your online member account password, follow these steps to reset it:

1. Go to the online member account page and click “Sign in”
2. This will take you to a login page. On this page, below the "Sign in" button, click the link that says "Forgot password?"
3. Enter the email address linked with your account and click “Next”
4. Click “Send me an email”
5. You should see an email from UCare show up in your inbox. Click the “Reset password” button in this email.
6. You will be directed to a screen where you can enter a new password. Do this and click the “Reset Password” button.

If you're still having trouble or can't access your email account, you may need to re-register. Call customer service if you have any questions.

Your online member account may be locked if you try to log in too many times with the wrong password. We'll send you an email with instructions on how to unlock your account. It will be unlocked automatically after 60 minutes if you don’t try again with the wrong password.

Once your account is unlocked, you can reset your password by visiting the online member account page, clicking "Sign in" and then clicking "Forgot password?"

If you still can't log in to your account, call customer service.

For the best experience, we recommend using the latest versions of Google Chrome, Mozilla Firefox, Microsoft Edge or Safari.

You can access your online member account on all these devices. You’ll have the best experience on a computer or mobile device with the latest software.

Individual & Family Plan members

• Online: Through your member account using a debit/credit card or bank account. Make one-time payments, set up recurring payments or set up automatic withdrawal.
• Phone: Call the number on the back of your member ID card
• Mail: Send a check or money order to UCare. See your monthly invoice for details.

Medicare Advantage members

• Online: Through your online member account using a debit/credit card or bank account. Make one-time payments, schedule payments in advance or set up automatic payments.
• Phone: Call the number on the back of your member ID card
• Mail: Send a check or money order to UCare. See your monthly invoice for details.
• Bank: Set up online bill pay or direct pay with your bank
• Form: Set up automatic withdrawal by mailing us an automated payment form or submitting an online form
• Social Security Administration: Set up a deduction from your Social Security check. Contact customer service to get started.
• Railroad Retirement Board: For retired railroad employees

Medicare Supplement members

• Automatic bank withdrawal: Direct transfer from your bank account. Contact customer service to get started.
• Phone: Call the number on the back of your member ID card
• Mail: Send a check or money order to UCare. See your monthly invoice for details.
• Bank: Set up online bill pay or direct pay with your bank

MinnesotaCare members

• Department of Human Services: Pay through the Department of Human Services

Please allow three to five business days for your payment to be applied to your UCare account and visible online.

Medicare members

If you sign up for autopay through your online member account, you must choose the day of the month to start your recurring payments. Your premium will be taken out on this same day each month.

If you sign up for automatic withdrawal through an automated payment form, we deduct your premium between the 7th and 10th day for that month of coverage. For example, we deduct your January premium between January 7 and January 10.

Individual & Family Plan members

We deduct your premium on the 25th day of the previous month for the next month of coverage. For example, we deduct your February premium on January 25.

Medicare members

Payments are due on the 1st of each month for that month of coverage. For example, when you receive your January invoice in December, you have until January 1 to pay.

Individual & Family Plan members

Payments are due on the last day of the previous month for the next month of coverage. For example, when you receive your February invoice in January, you have until January 31 to pay.

Medicare members

You have until the 12th of the month to pay your premium. If you haven’t paid by then, you'll have a 90-day grace period to pay your premium in full. If not paid in full by 90 days, your coverage will end the last day of the month of that 90-day grace period. We'll send you a letter during the grace period with the amount you owe and your payment options.

Individual & Family Plan members

• With Advanced Premium Tax Credits (APTC): You'll get a three-month grace period if you paid at least one full month’s premium. Coverage will end the last day of the first month of the three-month grace period if we don't get your payment.
• Without APTC: The grace period is 31 days from your premium due date. If you pay your premium in full at any time during the grace period, your coverage stays active. If we don’t get your premium in full, coverage will end the last date of the last month premiums were paid in full.

Before you receive your member ID and can set up your online member account to use the payment center, you will need to pay your first month's premium. If you didn't pay when you signed up for your plan, you can do so through our guest payment portal.

To be paid back for medical claims that you've already paid, go to the member documents page. Find your plan. Under your plan documents, you'll find a claim reimbursement form. Follow the directions on the form. If you have questions, call customer service.

Individual & Family Plan members

Yes. Follow the instructions based on how you enrolled in your plan. If you expect to get subsidies (financial aid) in the next plan year or due to your qualifying event for a Special Enrollment Period, make sure you apply through MNsure.org. If you have any questions, call UCare Customer Service for help.

You enrolled in your UCare plan through UCare directly

If you don’t expect to receive financial aid in the next plan year, you can enroll in a different plan through your online member account during the annual Open Enrollment Period.

Life changes like having a baby, moving or turning 26 could qualify you to enroll in a health plan during a Special Enrollment Period. To qualify for a Special Enrollment Period outside of the annual Open Enrollment Period, apply through your online member account.

You enrolled in your UCare plan through MNsure

If you expect to receive financial aid in the next plan year, you can choose to enroll in a different plan on MNsure.org during the annual Open Enrollment Period. If you don’t expect to get financial aid and you would like to enroll in a new plan directly through UCare, make sure you contact MNsure to cancel your coverage at least one month before you want your coverage to end. This gives MNsure time to process your request. Call MNsure toll-free at 1-855-3MNSURE or 1-855-366-7873 (TTY users call 1-800-325-0778). You can also visit MNsure.org. Once you cancel your coverage through MNsure, you can enroll in a new plan through the UCare online shopping tool during the annual Open Enrollment Period. The UCare online shopping tool will pre-screen for subsidy eligibility so you won’t miss out on possible financial aid.

Life changes like having a baby, moving or turning 26 could qualify you to enroll in a health plan during a Special Enrollment Period. To qualify for a Special Enrollment Period outside of the annual Open Enrollment Period, apply through MNsure.org.

Medical Assistance (Medicaid) and MinnesotaCare members

You must report changes for Medical Assistance (Medicaid) and MinnesotaCare to your county or the MinnesotaCare office within 10 days of the change happening. To report a change, call your county or Tribal office. Certain life changes like having a baby, moving or turning 26 could qualify you to enroll in a Medical Assistance health plan during the Special Enrollment Period.

Medicare members

You can make a plan change to be effective January 1 of the following year during the Annual Election Period (AEP) between October 15 and December 7. From January 1 to March 31, the Medicare Advantage Open Enrollment Period (MA-OEP), you may change to another Medicare Advantage plan. Moving or losing coverage from an employer could qualify you to make changes during a Special Enrollment Period (SEP).

Individual & Family Plan members

Follow the instructions based on how you enrolled in your plan. If you expect to receive subsidies (financial aid) when you add another person to your plan, make sure you apply through MNsure.org. If you have any questions, call UCare Customer Service for help.

You enrolled in your UCare plan through UCare directly

Log in to your online member account to make changes to your plan.

You enrolled in your UCare plan through MNsure

Report any household changes to MNsure.

Medical Assistance (Medicaid) or MinnesotaCare members

Contact your county or Tribal office.

Medicare members

Medicare plans are individual plans. That means you can’t add people to your plan.

Individual & Family Plan members

Follow the instructions based on how you enrolled in your plan. If you have any questions, call UCare Customer Service for help.

You enrolled in your UCare plan through UCare directly

Log in to your online member account to make changes to your plan or cancel your coverage.

You enrolled in your UCare plan through MNsure

Contact MNsure to cancel your coverage. Call MNsure toll-free at 1-855-3MNSURE or 1-855-366-7873 (TTY users call 1-800-325-0778). You can also visit MNsure.org.

Medical Assistance (Medicaid) or MinnesotaCare members: If you’re no longer eligible for Medical Assistance (Medicaid) or MinnesotaCare, you may be eligible to buy health coverage through MNsure. Call MNsure toll-free at 1-855-3MNSURE or 1-855-366-7873 (TTY users call 1-800-325-0778). You can also visit MNsure.org.

Medicare members

During the Annual Election Period (AEP) between October 15 and December 7, you can make a plan change to be effective January 1 of the following year.

During the Medicare Advantage Open Enrollment Period (MA-OEP) from January 1 to March 31, you may change to another Medicare Advantage plan or disenroll to return to Original Medicare. You may also be eligible to make changes during a Special Enrollment Period (SEP) if you have a qualifying event, such as moving.

Questions about Medicare? Learn the basics..

Individual & Family Plan members

Follow the instructions based on how you enrolled in your plan. If you have any questions, call customer service for help.

You enrolled in your UCare plan through UCare directly

If you’re currently covered by a UCare Individual & Family Plan, be sure to cancel your coverage before your Medicare coverage begins. Otherwise, you may be billed for two premiums. Log in to your online member account to make changes to your plan or cancel your coverage. To end your coverage, make sure to make your changes through your online member account at least one month before you want your coverage to end. This gives UCare time to process your request.

You enrolled in your UCare plan through MNsure

If you’re currently covered by a UCare Individual & Family Plan, be sure to cancel your coverage before your Medicare coverage begins. Otherwise, you may be billed for two premiums. To end your coverage, contact MNsure at least one month before you want your coverage to end. This gives MNsure time to process your request. Call MNsure toll-free at 1-855-3MNSURE or 1-855-366-7873 (TTY users call 1-800-325-0778). You can also visit MNsure.org.

If you would like a new ID card, follow these steps:

1. Log in to your online member account
2. Select “Plan benefits” in the menu and then click “Member ID card” in the dropdown menu
3. Next, you can click “Download” to download and save your card or click “Request card” to get a card mailed to you