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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 $212.00. 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 $4200.00 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, which varies depending on the drug tier and the pharmacy you use. For example, you'll pay a $7 copay for preferred generic drugs at a standard pharmacy and a $35 copay for standard generic drugs. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase and pay nothing for covered drugs. If you qualify for the low-income subsidy, your monthly premium will be $44.00.
Additional Benefits
The UCare Classic (HMO-POS) plan offers a range of benefits with varying costs. Inpatient hospital stays require a $125 copay, and outpatient services have a $150 copay. Emergency services and primary care visits have copays of $100 and $20 respectively, while home health services have no copay. This plan also includes coverage for hearing and vision services, with copays for exams and coverage for hearing aids and eyewear. Dental services are covered up to a $2,500 annual maximum. Additionally, the plan covers ambulance services, dialysis services, and medical equipment with varying copays and coinsurance, and also offers home infusion, and over-the-counter items up to a monthly maximum.
Inpatient Hospital See details
Inpatient Hospital benefits for UCare Classic (HMO-POS) include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, each with a $125 copay per admission or stay for Medicare-covered stays. Additional days for Inpatient Hospital-Acute have no copay, while Non-Medicare-covered Stay for Inpatient Hospital-Acute, Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay 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. Ambulatory Surgical Center (ASC) Services are covered with a $125 copay, while Outpatient Substance Abuse Services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the UCare Classic (HMO-POS) plan. The plan covers all services related to Partial Hospitalization.
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, while Transportation Services to health-related locations 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 has a $100 copay and no coinsurance, Urgently Needed Services has a $45 copay and no coinsurance, and Worldwide Emergency Services includes Worldwide Emergency Coverage with a $100 copay, Worldwide Urgent Coverage with a $100 copay, and Worldwide Emergency Transportation with a $225 copay.
Primary Care See details
The UCare Classic (HMO-POS) plan covers primary care physician services, occupational therapy services with a $20 copay, physician specialist services with a $20 copay, physical therapy and speech-language pathology services with a $20 copay, and additional telehealth benefits with a 20% coinsurance and a copay between $0 and $45. Chiropractic services and podiatry services are partially covered, while mental health specialty services, individual and group psychiatric sessions, are not covered.
Preventive Services See details
Preventive Services are covered, including Medicare-covered preventive services, annual physical exams, and additional preventive services. Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), 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 Benefit, 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, including hearing exams and prescription hearing aids, are covered. Routine hearing exams have a $20 copay, and you are limited to one exam per year; prescription hearing aids have a copay between $499 and $799 per year for all types, but inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision Services include coverage for eye exams with a copay between $0 and $20, and also cover routine eye exams once per year. Eyewear is covered up to a combined maximum of $200 per year, and 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, and dental X-rays are covered with one set of bitewing and four periapical X-rays per year, and full mouth X-rays every five years. Prophylaxis (cleaning) is covered for up to 3 visits per year, and fluoride treatments are covered. Orthodontic Services are covered under Diagnostic and Preventive Dental. Maxillofacial Prosthetics and Orthodontics are not covered. Restorative Services, Adjunctive General Services, Endodontics, Prosthodontics (removable, fixed), Implant Services, and Oral and Maxillofacial Surgery are optional supplemental benefits.
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 have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the UCare Classic (HMO-POS) plan. The coinsurance for Dialysis Services is 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and no copay, Prosthetics/Medical Supplies with coinsurance for Medicare-covered devices and supplies, and Diabetic Equipment with coinsurance for Medicare-covered therapeutic shoes or inserts. 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, with no copay. However, Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services are not covered.
Home Health Services See details
Home Health Services are covered by UCare Classic (HMO-POS) 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 covered by the UCare Classic (HMO-POS) plan, but it does not specify the cost for these services, and the plan does not cover any of the sub-services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the UCare Classic (HMO-POS) plan, with a $0 copay for days 1-20, and a $100 copay for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Under the UCare Classic (HMO-POS) plan, 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. Over-the-counter items are covered up to a $50 monthly maximum, and include nicotine replacement therapy and naloxone. Other 1 benefits include the Strong & Stable Kit.
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