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UCare Value Plus (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare Value Plus (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UCare Value Plus (HMO-POS) in 2025, please refer to our full plan details page.
UCare Value Plus (HMO-POS) is a HMO-POS plan offered by UCare Minnesota available for enrollment in 2025 to people living in State of Minnesota. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that UCare Value Plus (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UCare Value Plus (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 Value Plus (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $75.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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 $5500.00 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
Prescription drugs are not covered by UCare Value Plus (HMO-POS).
Additional Benefits
The UCare Value Plus (HMO-POS) plan offers a variety of benefits with varying costs. Inpatient hospital stays have a $150 copay for the first 5 days, with no copay for days 6-90. Emergency services have a $100 copay, and primary care services have copays ranging from $20-$45. This plan also covers preventive services with no copay for annual physical exams, as well as hearing, vision, and dental services. Hearing exams have a $45 copay, while vision exams have a copay between $0-$45. Dental services have a $2,000 annual maximum benefit. Additionally, the plan provides coverage for home health services with no copay and offers a $75 allowance every six months for over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care. For days 1-5, there is a $150 copay, and days 6-90 have no copay. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services and Observation Services with a $250 copay, and Ambulatory Surgical Center (ASC) Services with a $225 copay. Outpatient Substance Abuse Services for individual and group sessions are not covered.
Partial Hospitalization See details
Partial Hospitalization benefits are covered by the UCare Value Plus (HMO-POS) plan. The plan covers the cost of this service.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the UCare Value Plus (HMO-POS) plan. Ground and Air Ambulance Services have a $200 copay, with 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 by the UCare Value Plus (HMO-POS) plan. Emergency Services has a $100 copay, Urgently Needed Services has a $45 copay, and Worldwide Emergency Coverage and Worldwide Urgent Coverage have a $100 copay, while Worldwide Emergency Transportation has a $200 copay.
Primary Care See details
The UCare Value Plus (HMO-POS) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, other health care professional services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Chiropractic services have a $20 copay, physician specialist services have a $45 copay, occupational therapy services and physical therapy have a $40 copay. Additional telehealth benefits have a 20% coinsurance, with a copay between $0 and $45. Individual and group sessions for mental health and psychiatric services are not covered, nor are podiatry services.
Preventive Services See details
The UCare Value Plus (HMO-POS) plan covers a variety of preventive services, including annual physical exams, with no copay. Additional services covered include support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, fitness benefits, counseling services, kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following welcome visit. However, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, 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 are covered, including hearing exams with a $45 copay. Prescription hearing aids (all types) are covered with a copay between $699 and $999, while the inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are covered, including eye exams with a copay between $0 and $45, and eyewear benefits including contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades. Eyewear has a combined maximum benefit of $100 per year.
Dental Services See details
The UCare Value Plus (HMO-POS) plan covers dental services with a maximum benefit of $2,000 per year. This plan covers oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatment, with limitations on the number of visits and x-rays covered. Orthodontic services are also covered. Restorative services, adjunctive general services, endodontics, prosthodontics (removable and fixed), implant services, oral and maxillofacial surgery, and orthodontics are offered as optional supplemental benefits. Maxillofacial prosthetics and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services includes coverage for Medicare Part B Insulin Drugs with a $35 copay, as well as Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, both with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the UCare Value Plus (HMO-POS) plan. You will pay 20% coinsurance for this benefit.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment are covered. DME has no copay and 20% coinsurance, while Diabetic Supplies have no copay and up to 20% coinsurance, and Prosthetic Devices and Medical Supplies have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, are covered. You will pay at most 20% coinsurance for Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services. There is no copay for these services.
Home Health Services See details
Home Health Services are covered by the UCare Value Plus (HMO-POS) plan 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 covered by the UCare Value Plus (HMO-POS) plan, but the plan does not cover Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. The copay for Cardiac Rehabilitation Services varies, see the plan details for more information.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the UCare Value Plus (HMO-POS) plan, with no copay for days 1-20 and a $214 copay per day for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays are not covered.
Other Services See details
The UCare Value Plus (HMO-POS) plan covers over-the-counter (OTC) items with a maximum benefit coverage amount of $75.00 every six months, including nicotine replacement therapy and naloxone. Acupuncture, meal benefits, and many other services are not covered.
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