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UCare's Minnesota Senior Health Options (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare's Minnesota Senior Health Options (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UCare's Minnesota Senior Health Options (HMO D-SNP) in 2025, please refer to our full plan details page.
UCare's Minnesota Senior Health Options (HMO D-SNP) is a HMO D-SNP plan offered by UCare Minnesota available for enrollment in 2025 to people living in Twin Cities Metropolitan area and Greater MN. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that UCare's Minnesota Senior Health Options (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UCare's Minnesota Senior Health Options (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UCare's Minnesota Senior Health Options (HMO D-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For UCare's Minnesota Senior Health Options (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $34.80. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $2.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $590.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9350.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The UCare's Minnesota Senior Health Options (HMO D-SNP) plan has a $590 deductible for prescription drugs. After you meet your deductible, you will pay the costs for drugs in each tier until your total drug costs reach $2000, at which point you enter the next coverage phase. If you qualify for the low-income subsidy, your monthly premium for Part D will be $34.80. Once your yearly out-of-pocket drug costs reach $2000, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
UCare's Minnesota Senior Health Options (HMO D-SNP) offers coverage for a variety of services. This plan includes coverage for inpatient and outpatient services, with coinsurance ranging from 0% to 20% depending on the service. Emergency services, ambulance services, and home health services are also covered with no copay. The plan provides coverage for primary care, preventive services, and some vision and hearing services, with varying coinsurance. Additionally, dental services, medical equipment, and home infusion bundled services are included. However, certain services like cardiac rehabilitation, worldwide emergency services, and some vision, hearing, and dental services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a copay that is defined by Medicare. Additional days, non-Medicare-covered stays, and upgrades for Inpatient Hospital-Acute are not covered, as well as additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric.
Outpatient Services See details
Outpatient services are covered by UCare's Minnesota Senior Health Options (HMO D-SNP). Outpatient Hospital Services and Observation Services have a 20% coinsurance, while Ambulatory Surgical Center (ASC) Services, Individual Sessions, and Group Sessions for Outpatient Substance Abuse have a coinsurance between 20% and 20%. Outpatient blood services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan, with a 20% coinsurance.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. Ground and Air Ambulance Services have a 20% coinsurance, with no copay. Transportation Services to a plan-approved health-related location are covered for up to 3 round trips per week, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered with no copay and 20% coinsurance, and Urgently Needed Services are covered with no copay and 20% coinsurance. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are not covered.
Primary Care See details
The UCare's Minnesota Senior Health Options (HMO D-SNP) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Primary care, chiropractic, physician specialist, physical therapy, speech-language pathology, and additional telehealth services have a 20% coinsurance, while the other services have varying coinsurance. Routine chiropractic care is limited to 12 visits per year. Routine foot care is limited to 1 visit per month.
Preventive Services See details
Preventive services are covered, although annual physical exams, in-home safety assessments, medical nutrition therapy, post-discharge in-home medication reconciliation, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, enhanced disease management, and counseling services are not covered. Other covered preventive services, such as glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit, have a 20% coinsurance.
Hearing Services See details
Hearing services are partially covered by UCare's Minnesota Senior Health Options (HMO D-SNP). Hearing exams are covered with at most 20% coinsurance, but routine hearing exams, fitting/evaluation for hearing aids, prescription hearing aids (all types, inner ear, outer ear, and over the ear), and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by UCare's Minnesota Senior Health Options (HMO D-SNP), with a 20% coinsurance for eye exams and eyewear. However, routine eye exams, contact lenses, eyeglasses (lenses and frames), and eyeglass lenses and frames are not covered.
Dental Services See details
UCare's Minnesota Senior Health Options (HMO D-SNP) covers Medicare Dental Services with a 20% coinsurance, and Oral Exams, Dental X-Rays, Restorative Services, and Periodontics are also covered. However, Prophylaxis (Cleaning), Fluoride Treatment, Adjunctive General Services, Endodontics, Prosthodontics, Maxillofacial Prosthetics, Implant Services, Prosthodontics, fixed, Oral and Maxillofacial Surgery, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered. Medicare Part B Insulin Drugs have a $35 copay, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by UCare's Minnesota Senior Health Options (HMO D-SNP). You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance and no copay, Prosthetics/Medical Supplies with 20% coinsurance and no copay, and Diabetic Equipment with coinsurance and no copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with no copay. Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have a coinsurance of at most 20%, while Lab Services are not covered.
Home Health Services See details
Home Health Services are covered by UCare's Minnesota Senior Health Options (HMO D-SNP) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by UCare's Minnesota Senior Health Options (HMO D-SNP). While the plan mentions coinsurance for some services, all listed cardiac rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, with cost sharing information available. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
UCare's Minnesota Senior Health Options (HMO D-SNP) covers acupuncture, with a limit of 12 treatments per year, and over-the-counter (OTC) items up to $70 every three months. This plan does not cover Meal Benefit, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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