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 if you need it

Plus, we have plans available for everything in between.


Some of the benefits you’ll enjoy in 2021:

  • 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 – SilverSneakers® - a free basic membership at more than 16,000 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

UCare Medicare Advantage plans

UCare Classic

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

  • SilverSneakers basic fitness memberships at more than 16,000 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

Great coverage at a moderate premium with a low cap on annual out-of-pocket expenses, with dental included for no extra premium.

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Low or no copays for doctor visits
  • Medicare Part D outpatient prescription drug coverage

UCare Essentials Rx

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.

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Medicare Part D outpatient prescription drug coverage
  • Routine dental care with option to add Choice Dental
  • Over-the-counter allowance $50 every 6 months
  • Hearing aids

UCare Aware

Very low monthly premium, includes Medicare Part D, many extras with a slightly higher out-of-pocket maximum.

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Medicare Part D outpatient prescription drug coverage
  • Dental annual allowance
  • Over-the-counter allowance $50 every 6 months
  • Health club membership

UCare Standard

All-in-one coverage, affordable premium and plan includes Medicare Part D.

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Medicare Part D outpatient prescription drug coverage
  • Routine dental care with option to add Choice Dental
  • Over-the-counter allowance $50 every 6 months
  • Hearing aids

UCare Value Plus

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.

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Routine dental care with option to add Choice Dental
  • Over-the-counter allowance $50 every 6 months
  • Hearing aids

UCare Value

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

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Routine dental care with option to add Choice Dental
  • Over-the-counter allowance $50 every 6 months
  • Hearing aids

UCare Prime

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.

  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • $250 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 here or call 1-877-598-6574 toll free (TTY: 1-800-688-2534) 8 am - 5 pm, Monday - Friday.

EssentiaCare Grand

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
  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Over-the-counter allowance $50 every 6 months
  • Hearing aids

EssentiaCare Secure

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
  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Over-the-counter allowance $50 every 6 months
  • Hearing aids

EssentiaCare Access

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.

  • Medicare Part D outpatient prescription drug coverage
  • Available in St. Louis, MN and three WI counties
  • Dental allowance
  • SilverSneakers basic fitness memberships at more than 16,000 locations
  • Over-the-counter allowance $50 every 6 months

Care Core with M Health Fairview & North Memorial

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
  • Dental coverage
  • E-visits thorugh OnCare
  • Over-the-counter allouance $50 every 6 months

Care Advantage with M Health Fairview & North Memorial

For those with more health concerns and want broader coverage at an affordable premium, with a lot of extras. You can also see specialists at the University of Minnesota and independent providers at Entira Family Clinics and Voyage Healthcare.

  • Over-the-counter allowance $50 every 6 months
  • Medicare Part D outpatient prescription drug coverage
  • Dental coverage
  • E-visits through OnCare
     

 


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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