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UCare Classic (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare Classic (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UCare Classic (HMO-POS) in 2025, please refer to our full plan details page.
UCare Classic (HMO-POS) is a HMO-POS plan offered by UCare Minnesota available for enrollment in 2025 to people living in 44 Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that UCare Classic (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UCare Classic (HMO-POS).
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 Classic (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $156.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $7500.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $7500.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $2800.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $7500.00 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 Classic (HMO-POS) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for your prescriptions depending on the drug tier and pharmacy. For example, you'll pay a $7 copay for preferred generic drugs at a standard pharmacy. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase where you pay nothing for covered drugs. However, this plan's premium may be reduced if you qualify for the low-income subsidy, also known as LIS or "Extra help".
Additional Benefits
The UCare Classic (HMO-POS) plan provides coverage for a variety of healthcare services with varying cost-sharing. You can expect copays for services like inpatient hospital stays, outpatient services, ambulance services, emergency services, specialist visits, hearing exams, and acupuncture. Many preventive services, home health services, and skilled nursing facility services have no copay. The plan also offers additional benefits such as dental, vision, and hearing services, each with specific coverage details and costs. Medical equipment, home infusion, and dialysis services are covered with coinsurance. There is also coverage for OTC items. However, certain services like cardiac rehabilitation, and some outpatient and diagnostic services are not covered.
Inpatient Hospital See details
The UCare Classic (HMO-POS) plan covers Inpatient Hospital services, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For both acute and psychiatric stays, the plan has a $125 copay per admission or stay. Additional days for Inpatient Hospital-Acute are covered with no copay.
Outpatient Services See details
Outpatient services include coverage for outpatient hospital services and observation services with a $150 copay, and ambulatory surgical center services with a $125 copay. Outpatient substance abuse services are not covered, and outpatient blood services are covered with a waived three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization benefits are covered by the UCare Classic (HMO-POS) plan. The specific costs associated with this benefit are not detailed in this summary.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the UCare Classic (HMO-POS) plan. Ground and Air Ambulance Services have a $225 copay, with no coinsurance; however, Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the UCare Classic (HMO-POS) plan. Emergency Services and Worldwide Emergency Coverage have a $100 copay, while Urgently Needed Services have a $45 copay, and Worldwide Emergency Transportation has a $225 copay. All services have no coinsurance.
Primary Care See details
The UCare Classic (HMO-POS) plan covers primary care physician services, occupational therapy services, physician specialist services, other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Chiropractic services and mental health specialty services are partially covered, but routine chiropractic care, individual sessions for mental health specialty services, and group sessions for mental health specialty services are not covered. Podiatry services are not covered. Occupational therapy services have a $20 copay, while physician specialist services and physical therapy/speech-language pathology services have a $20 copay. Other health care professional services have a copay between $0 and $20, and additional telehealth benefits have a 20% coinsurance with a copay between $0 and $45.
Preventive Services See details
The UCare Classic (HMO-POS) plan covers preventive services, including Medicare-covered services with no copay, annual physical exams, additional preventive services, and kidney disease education services. The plan also covers re-admission prevention, support for caregivers (telephonic support), additional sessions of smoking cessation counseling, fitness benefits (memory fitness), remote access technologies, and counseling services. Health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, wigs for hair loss, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, enhanced disease management, telemonitoring services, home and bathroom safety devices, and modifications are not covered.
Hearing Services See details
Hearing Services are covered by the UCare Classic (HMO-POS) plan, including routine hearing exams with a $20 copay, and fitting/evaluation for hearing aids. Prescription hearing aids are covered with a copay between $499 and $799, but prescription hearing aids for inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
UCare Classic (HMO-POS) covers vision services, including routine eye exams with a copay of $0 - $20. Eyewear is covered with a combined maximum benefit of $200 every year, while contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are also covered.
Dental Services See details
The UCare Classic (HMO-POS) plan covers dental services with a maximum benefit of $2,500 per year. Oral exams are covered for up to 2 visits per year, dental x-rays are covered once per year, prophylaxis (cleaning) is covered for up to 3 visits per year, and fluoride treatment is unlimited.
Home Infusion bundled Services See details
Home Infusion bundled Services includes coverage for Medicare Part B Insulin Drugs with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Other details are available regarding step therapy and the drugs covered.
Dialysis Services See details
Dialysis Services are covered by the UCare Classic (HMO-POS) plan, with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with coinsurance for Medicare-covered devices and supplies, and Diabetic Equipment with coinsurance for Medicare-covered therapeutic shoes or inserts. Diabetic supplies have a coinsurance between 0% and 20%, and DME for use outside the home and Diabetic Therapeutic Shoes/Inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are technically covered, but Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services are not covered. There is no copay for any of the covered services.
Home Health Services See details
Home Health Services are covered by the UCare Classic (HMO-POS) plan, with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the UCare Classic (HMO-POS) plan. Though technically covered, the plan does not cover any of the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the UCare Classic (HMO-POS) plan. You will have no copay for days 1-20, and a $100 copay for days 21-100.
Other Services See details
The UCare Classic (HMO-POS) plan covers acupuncture with a $20 copay for up to 12 treatments per year. The plan also offers Over-the-Counter (OTC) items, including nicotine replacement therapy and Naloxone, with a maximum benefit of $50 per month. Other services such as meal benefits, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and others are not covered.
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