A non-government entity
UCare Aware (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare Aware (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UCare Aware (HMO-POS) in 2025, please refer to our full plan details page.
UCare Aware (HMO-POS) is a HMO-POS plan offered by UCare Minnesota available for enrollment in 2025 to people living in 46 counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that UCare Aware (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 Aware (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 Aware (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $6.90. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $20.00. 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 $295.00 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 $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 $5400.00 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:
Sign up for UCare Aware (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The UCare Aware (HMO-POS) plan has a $295 deductible for prescription drugs. After you meet your deductible, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and pharmacy type. For example, in the initial coverage phase, you will pay a $10 copay for preferred generic drugs at a standard or mail-order pharmacy. You will pay 29% coinsurance for non-preferred drugs. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The UCare Aware (HMO-POS) plan offers a wide range of benefits with varying cost structures. Inpatient hospital stays have a copay for the first few days, with no copay for the remainder of the stay, while outpatient services have copays depending on the service. Emergency services and ambulance services have copays, and primary care, vision, and hearing services also have copays. Preventive services, dental care, home health, and partial hospitalization generally have no copays. The plan also includes coverage for medical equipment and home infusion, with coinsurance for some services. Other benefits include coverage for over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital benefits for UCare Aware (HMO-POS) include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For the first 5 days of an Inpatient Hospital-Acute stay, there is a $250 copay, and days 6-90 have no copay, while Inpatient Hospital Psychiatric has the same cost structure. Additional Days for Inpatient Hospital-Acute are covered with no copay, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, observation services, and ambulatory surgical center services, are covered by UCare Aware (HMO-POS) with copays of $300, $250, and $275 respectively. Outpatient substance abuse services are not covered, while outpatient blood services are covered with a waived three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered by the UCare Aware (HMO-POS) plan. There is no copay or coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the UCare Aware (HMO-POS) plan. This includes Medicare-covered ground and air ambulance services, each with a $275 copay and 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 by the UCare Aware (HMO-POS) plan. Emergency Services and Worldwide Emergency Coverage have a $100 copay, Urgently Needed Services has a $45 copay, and Worldwide Emergency Transportation has a $275 copay; all other services have no coinsurance.
Primary Care See details
The UCare Aware (HMO-POS) plan covers primary care physician services, chiropractic services with a $20 copay, occupational therapy services with a $40 copay, physician specialist services with a $45 copay, other health care professional services with a copay between $0 and $45, physical therapy and speech-language pathology services with a $40 copay, and additional telehealth benefits with a 20% coinsurance and a copay between $0 and $45. The plan does not cover routine chiropractic care, individual or group sessions for mental health specialty services, podiatry services, or individual or group sessions for psychiatric services.
Preventive Services See details
The UCare Aware (HMO-POS) plan covers preventive services, including Medicare-covered services with no copay, annual physical exams, and additional preventive services. Some additional preventive services, like Health Education, In-Home Safety Assessment, and others are not covered. The plan also covers support for caregivers of enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Fitness Benefit, Counseling Services, Kidney Disease Education Services, and other preventive services like Glaucoma Screening, Diabetes Self-Management Training, and others.
Hearing Services See details
Hearing exams are covered with a $45 copay, including routine hearing exams limited to one visit per year and fitting/evaluation for hearing aids. Prescription hearing aids (all types) are covered with a copay between $699 and $999 for a maximum of two visits per year, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are also not covered.
Vision Services See details
Vision Services includes coverage for eye exams with a copay ranging from $0 to $45, routine eye exams once per year, and eyewear with a combined maximum benefit of $150 per year. Contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are also covered.
Dental Services See details
UCare Aware (HMO-POS) covers a variety of dental services, including oral exams, dental x-rays, cleaning, and fluoride treatment, with no copay and no coinsurance. Other dental services are covered up to an annual maximum of $600. Maxillofacial Prosthetics and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, are covered by the UCare Aware (HMO-POS) plan. For Medicare Part B Insulin Drugs, there is a $35 copay. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, coinsurance ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered by the UCare Aware (HMO-POS) plan with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment, is covered under the UCare Aware (HMO-POS) plan. Durable Medical Equipment has a 20% coinsurance with no copay. Prosthetic Devices, Medical Supplies, Diabetic Supplies, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance with 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 under the UCare Aware (HMO-POS) plan. Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have a coinsurance of at most 20%, while Medicare-covered Lab Services are not covered.
Home Health Services See details
Home Health Services are covered by the UCare Aware (HMO-POS) plan 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 Aware (HMO-POS) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the UCare Aware (HMO-POS) plan, with no copay for days 1-20 and a $214 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) items, with a maximum benefit coverage amount of $75.00 every six months, including Nicotine Replacement Therapy (NRT) and Naloxone coverage. Acupuncture, Meal Benefit, 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.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved