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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 $214.00. 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 an enhanced alternative drug benefit. There is no deductible for prescription drugs. During the initial coverage phase, you will pay a copay for your prescriptions. For preferred generics, the copay is $7.00, and for standard generics the copay is $35.00. Preferred brand drugs have a $100.00 copay, and non-preferred drugs have a 33% coinsurance. After your yearly out-of-pocket drug costs reach $2000.00, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The UCare Classic (HMO-POS) plan offers a variety of benefits, including inpatient hospital stays with a $125 copay per admission, outpatient services with a $150 copay, and ambulance services with a $225 copay. The plan covers primary care physician services with a $20 copay for specialist visits, along with preventive, hearing, vision, and dental services. This plan provides coverage for home health services, skilled nursing facility stays, and home infusion services. Additionally, the plan covers emergency services, diagnostic services, and medical equipment. The plan also includes a monthly allowance of $70 for over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered with a $125 copay per admission or stay. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and Additional days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services and Observation Services, are covered with a $150 copay, while Ambulatory Surgical Center (ASC) Services have a $125 copay. Outpatient Substance Abuse Services are not covered, and Outpatient Blood Services are covered.
Partial Hospitalization See details
Partial hospitalization is covered by the UCare Classic (HMO-POS) plan.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the UCare Classic (HMO-POS) plan. Ground and Air Ambulance Services have a $225 copay, and there is no coinsurance. 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 have a $100 copay and no coinsurance, Urgently Needed Services have a $45 copay and no coinsurance, and Worldwide Emergency Services have a $100 or $225 copay, depending on the specific service, and 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, physical therapy, speech-language pathology services, opioid treatment program services, and additional telehealth benefits. The plan has a $20 copay for physician specialist services and physical therapy and speech-language pathology services, and coinsurance of 20% for additional telehealth benefits. Chiropractic services, mental health specialty services, individual and group psychiatric sessions, and podiatry services are not covered.
Preventive Services See details
The UCare Classic (HMO-POS) plan covers preventive services including Medicare-covered services, annual physical exams, additional preventive services, kidney disease education services, and other preventive services like glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit. The plan also covers support for caregivers of enrollees, additional sessions of smoking and tobacco 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 related to chemotherapy, 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, and home and bathroom safety devices and modifications are not covered.
Hearing Services See details
Hearing services with the UCare Classic (HMO-POS) plan include routine hearing exams with a $20 copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered, but inner ear, outer ear, and over the ear hearing aids are not.
Vision Services See details
The UCare Classic (HMO-POS) plan covers vision services, including routine eye exams with a copay between $0 and $20, and eyewear. The plan offers a combined maximum benefit of $200.00 per year for eyewear, including contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
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 2 visits per year, Dental X-Rays cover one set of bitewing and four periapical (PAs) once per year, and full mouth X-rays every five years.
Home Infusion bundled Services See details
Home Infusion bundled Services includes coverage for Medicare Part B Insulin Drugs with a $35 copay. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs are also covered with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the UCare Classic (HMO-POS) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with a 20% coinsurance and no copay, Prosthetics/Medical Supplies with coinsurance, and Diabetic Equipment. Diabetic Supplies have a 0-20% coinsurance, while Durable Medical Equipment for use outside the home and Diabetic Therapeutic Shoes/Inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the UCare Classic (HMO-POS) plan, 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 the covered services.
Home Health Services See details
Home Health Services are covered by UCare Classic (HMO-POS) with no copay or coinsurance. 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. Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are also not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the UCare Classic (HMO-POS) plan. For days 1-20, there is no copay, but for days 21-100, the copay is $100.
Other Services See details
UCare Classic (HMO-POS) covers Other Services, but acupuncture, meal benefits, Dual Eligible SNPs with Highly Integrated Services, 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 are not covered. This plan offers Over-the-Counter (OTC) Items with a maximum benefit of $70.00 per month, including Nicotine Replacement Therapy (NRT) and Naloxone coverage.
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