UCare Medicare Plans

We're not new to Medicare. In fact, we’ve offered Medicare Advantage plans since they were first introduced.
Today, more than 100,000 Minnesotans choose UCare Medicare Plans. And 95% of our members stay with us year after year.

Compare & Enroll in a UCare Medicare plan

Need Help? Call 1-888-285-2323 (TTY: 1-800-688-2534), 8 am to 5 pm, Monday through Friday.

UCare has a plan for you

No matter where you live in Minnesota, you’ll find a plan that meets your needs and your budget. You can choose the level of coverage that’s right for you. And you can decide if you’d rather:

  • Pay a higher premium and less for care if you need it, or
  • Pay a lower premium and more for care when you need it.

Some of the benefits you’ll enjoy in 2020:

  • UCare AnywhereSM – Covers you when you’re out of network, so you can get care anywhere you travel in the U.S.
  • Fitness benefits – Basic SilverSneakers® membership at more than 16,000 participating fitness centers at no cost to you.
  • Community education discount – Get a $15 discount up to three times a year on most community education classes in Minnesota.

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)
  • Not have end-stage renal disease (kidney failure)
  • Live in the UCare Medicare service area - which includes the entire state of Minnesota. Note: Some plans are not available in select 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 zip code and county as well as premium and several copay costs.

If you prefer to compare on paper, view a Summary of Benefits or request a kit.
Summary of Benefits - Metro (PDF)
Summary of Benefits - North (PDF)
Summary of Benefits - South (PDF)
EssentiaCare Summary of Benefits (PDF)

Maps
UCare Medicare Service Area (PDF)
UCare Medicare with Fairview & North Memorial Service Area (PDF)
EssentiaCare Service Area (PDF)

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 our 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

Many of our plans include preventive dental coverage. You can add optional comprehensive dental benefits to UCare Value, UCare Essentials Rx, UCare Classic, EssentiaCare Secure and EssentiCare Grand for an additional premium.

UCare Value, UCare Essentials Rx, or UCare Classic
Choice and Classic Choice Dental (PDF)

EssentiaCare Secure and EssentiaCare Grand
see the Summary of Benefits (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

UCare Medicare Advantage plans

UCare Classic

A comprehensive plan with a full suite of benefits and low out-of-pocket expenses

UCare Total

Our most comprehensive plan for those who want total coverage with rich benefits

  • lower copays for doctor and specialist visits
  • Part D prescription drug coverage
     

UCare Complete

Robust benefits with great coverage at a moderate premium for those on a budget

  • Low or no copays for doctor visits
  • Part D prescription drug coverage

UCare Essentials Rx

All-around coverage plan with Part D coverage and lower premiums

UCare Standard

Middle of the road coverage that includes Part D but higher out-of-pocket costs

UCare Value

For those who don’t need Part D coverage but want access to a large network and other extras

UCare Prime

"Just in case" coverage for those who'd prefer to pay more for care as they need it

  • no monthly premium
  • Part D prescription drug coverage

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 here or call 1-877-598-6574 toll free (TTY: 1-800-688-2534) 8 am to 8 pm, seven days a week.

EssentiaCare Grand

Emergency and catastrophic coverage with higher out-of-pocket costs

  • Part D prescription drug coverage
  • available in three WI counties
  • preventive dental care with option to add Choice Dental

EssentiaCare Secure

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

  • Part D prescription drug coverage
  • available in three WI counties
  • preventive dental care with option to add Choice Dental

Care Core with M Health Fairview & North Memorial

Well-balanced coverage for a lower monthly premium with providers in the M Health Fairview, North Memorial Health and partner systems

  • low monthly premium
  • Part D prescription drug coverage
  • no medical deductible, Part D deductible only on Tiers 3-5
     

Care Advantage with M Health Fairview & North Memorial

Broad coverage with providers in the M Health Fairview, North Memorial Health and partner systems

  • mid-range monthly premium
  • Part D prescription drug coverage
  • no medical deductible, no Part D deductible
     

 

UCare Medicare Advantage plans

UCare Classic

A comprehensive plan with a full suite of benefits and low out-of-pocket expenses

UCare Total

Our most comprehensive plan for those who want total coverage with rich benefits

  • lower copays for doctor and specialist visits
  • Part D prescription drug coverage
     

UCare Complete

Robust benefits with great coverage at a moderate premium for those on a budget

  • Low or no copays for doctor visits
  • Part D prescription drug coverage

UCare Essentials Rx

All-around coverage plan with Part D coverage and lower premiums

UCare Standard

Middle of the road coverage that includes Part D but higher out-of-pocket costs

UCare Value

For those who don’t need Part D coverage but want access to a large network and other extras

UCare Prime

"Just in case" coverage for those who'd prefer to pay more for care as they need it

  • no monthly premium
  • Part D prescription drug coverage

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 here or call 1-877-598-6574 toll free (TTY: 1-800-688-2534) 8 am - 5 pm, Monday - Friday.

EssentiaCare Grand

Emergency and catastrophic coverage with higher out-of-pocket costs

  • Part D prescription drug coverage
  • available in three WI counties
  • preventive dental care with option to add Choice Dental

EssentiaCare Secure

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

  • Part D prescription drug coverage
  • available in three WI counties
  • preventive dental care with option to add Choice Dental

Care Core with Fairview & North Memorial

Well-balanced coverage for a lower monthly premium with providers in the Fairview, North Memorial and partner systems

  • low monthly premium
  • Part D prescription drug coverage
  • no medical deductible, Part D deductible only on Tiers 3-5
     

Care Advantage with Fairview & North Memorial

Broad coverage with providers in the Fairview, North Memorial and partner systems
 

  • mid-range monthly premium
  • Part D prescription drug coverage
  • no medical deductible, no Part D deductible
     

 

I'm ready
 

Enroll Now


Additional Links and Documents
 

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.


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September 2019