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UCare Advocate Choice (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare Advocate Choice (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UCare Advocate Choice (HMO I-SNP) in 2025, please refer to our full plan details page.
UCare Advocate Choice (HMO I-SNP) is a HMO I-SNP plan offered by UCare Minnesota available for enrollment in 2025 to people living in Twin Cities and Greater MN 22 counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that UCare Advocate Choice (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UCare Advocate Choice (HMO I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UCare Advocate Choice (HMO I-SNP).
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 Advocate Choice (HMO I-SNP), 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.
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 a $125.00 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 $4500.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 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 Advocate Choice (HMO I-SNP) plan has a $125 deductible for prescription drugs. After the deductible, you'll pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you'll pay a $15 copay for preferred generic drugs at a standard pharmacy and 31% coinsurance for non-preferred drugs. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs. If you qualify for the low-income subsidy, you may have your premium reduced.
Additional Benefits
The UCare Advocate Choice (HMO I-SNP) plan offers a range of benefits, including inpatient hospital stays with varying copays, outpatient services with a $275 copay, and ambulance services with a $275 copay. You'll also have access to primary care, hearing, vision, and dental services, with costs varying depending on the specific service. This plan also includes coverage for home health services with no copay, skilled nursing facility stays with copays, and home infusion services with copays and coinsurance. Other services such as emergency services, and some prescription drugs are also covered. However, some services like cardiac rehabilitation, and some types of hearing aids, vision services, and other medical devices are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you'll pay no copay for days 1-5 and 11-90, and a $275 copay for days 6-10; additional days are covered with no copay. For Inpatient Hospital Psychiatric, you'll pay no copay for days 1-5 and 11-90, and a $275 copay for days 6-10; additional days and non-Medicare stays are not covered.
Outpatient Services See details
Outpatient Services are covered by UCare Advocate Choice (HMO I-SNP), including outpatient hospital services, observation services, and ambulatory surgical center services, each with a $275 copay. Outpatient substance abuse services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered under the UCare Advocate Choice (HMO I-SNP) plan. There is no information about the cost of this benefit.
Ambulance and Transportation Services See details
The UCare Advocate Choice (HMO I-SNP) plan covers ambulance services with a $275 copay for both ground and air ambulance services, with no coinsurance. Transportation services to plan-approved health-related locations are covered, with a $500 maximum benefit per year, and transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services for the UCare Advocate Choice (HMO I-SNP) plan include a $90 copay, with no coinsurance, and Urgently Needed Services have a $45 copay, with no coinsurance, but Worldwide Emergency Services are not covered.
Primary Care See details
Primary Care Physician, Chiropractic, Occupational Therapy, Physician Specialist, Podiatry, Other Health Care Professional, Physical Therapy and Speech-Language Pathology, Additional Telehealth, and Opioid Treatment Program services are covered. Chiropractic services have a $20 copay, Occupational Therapy has a $30 copay, Physician Specialist services have a copay of $0-$45, Podiatry and Other Health Care Professional services have a copay of $0-$45, Physical Therapy and Speech-Language Pathology services have a $30 copay, and Additional Telehealth services have a 20% coinsurance and a copay of $0-$45. Mental Health and Psychiatric services are not covered.
Preventive Services See details
Preventive Services are covered by the UCare Advocate Choice (HMO I-SNP) plan, but annual physical exams, 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, and home and bathroom safety devices and modifications are not covered. Additionally, this plan covers support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, remote access technologies, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a Welcome Visit.
Hearing Services See details
Hearing services with UCare Advocate Choice (HMO I-SNP) include routine hearing exams with a 20% coinsurance, with one exam covered per year, and fitting/evaluation for hearing aids with no coinsurance. Prescription hearing aids are covered with a plan-specified amount of $400 per year, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision Services are covered, including eye exams and eyewear. Eye exams have a 20% coinsurance, and eyewear also has a 20% coinsurance with a combined maximum benefit of $200 per year.
Dental Services See details
UCare Advocate Choice (HMO I-SNP) covers dental services, including oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), implant services, and oral and maxillofacial surgery. Orthodontic services are covered under Diagnostic and Preventive Dental, and there is a maximum plan benefit of $1,325 per year. However, maxillofacial prosthetics and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs are covered with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the UCare Advocate Choice (HMO I-SNP) plan. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits are covered by the UCare Advocate Choice (HMO I-SNP) plan. Durable Medical Equipment (DME) has a 20% coinsurance and no copay, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have no copay, with coinsurance for Medicare-covered Prosthetic Devices and Medical Supplies. Diabetic Supplies have between 0% and 20% coinsurance, while Diabetic Therapeutic Shoes/Inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by UCare Advocate Choice (HMO I-SNP), including diagnostic procedures and tests with a coinsurance of at most 20%, and diagnostic radiological services, therapeutic radiological services, and outpatient X-ray services, each with a coinsurance of at most 20%. Lab services are not covered. There is no copay for these services.
Home Health Services See details
Home Health Services are covered by the UCare Advocate Choice (HMO I-SNP) 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 not covered by the UCare Advocate Choice (HMO I-SNP) plan. No copay or coinsurance information is available for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the UCare Advocate Choice (HMO I-SNP) plan. There is no copay for days 1-20, and a $170 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Under the UCare Advocate Choice (HMO I-SNP) 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 (OTC) items and Other 1 are covered, with OTC items offering up to $75 every six months, including Nicotine Replacement Therapy and Naloxone.
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