A non-government entity
UCare Your Choice (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare Your Choice (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UCare Your Choice (PPO) in 2025, please refer to our full plan details page.
UCare Your Choice (PPO) is a PPO plan offered by UCare Minnesota available for enrollment in 2025 to people living in State of Minnesota. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that UCare Your Choice (PPO) 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 Your Choice (PPO).
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 Your Choice (PPO), 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 $24.00. 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $4900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $4900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Your Choice (PPO)
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Drug Coverage
The UCare Your Choice (PPO) plan has an "Enhanced Alternative" drug benefit. There is no deductible for prescription drugs with this plan. During the initial coverage phase, you'll pay a copay for your prescriptions, which varies based on the drug tier and pharmacy type. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for your Part D covered drugs.
Additional Benefits
The UCare Your Choice (PPO) plan offers a range of benefits with varying cost-sharing. Hospital stays have a copay for the first few days, while outpatient services have copays. Emergency services have copays, and primary care, hearing, vision, and dental services are covered with copays or coinsurance. This plan also includes coverage for ambulance services, medical equipment, and home health services with copays or coinsurance. Preventative services, hearing aids, and eyewear are covered. Additionally, the plan covers diagnostic and radiological services with copays and provides a benefit for over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital benefits for UCare Your Choice (PPO) include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For days 1-5, there is a $350 copay, and for days 6-90, there is no copay. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, nor are additional days or non-Medicare covered stays for Inpatient Hospital Psychiatric.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services and Observation Services, are covered with a $400 copay, while Ambulatory Surgical Center (ASC) Services have a $375 copay. Outpatient Substance Abuse Services are not covered, but Outpatient Blood Services are covered.
Partial Hospitalization See details
Partial Hospitalization is covered by UCare Your Choice (PPO). There is no specific cost information provided for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by UCare Your Choice (PPO). Ground and Air Ambulance Services have a $300 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 Your Choice (PPO) plan. Emergency Services has a $100 copay, Urgently Needed Services has a $45 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have copays of $100, $100, and $300, respectively. There is no coinsurance for any of these services.
Primary Care See details
The UCare Your Choice (PPO) plan covers primary care physician services, chiropractic services with a $20 copay, occupational therapy with a $40 copay, physician specialist services with a $40 copay, other health care professionals (copay from $0 to $40), physical therapy and speech-language pathology services with a $40 copay, and opioid treatment program services. Additional telehealth benefits are covered with a 20% coinsurance and a copay between $0 and $45. Routine chiropractic care, individual and group sessions for mental health and psychiatric specialty services, and podiatry services are not covered.
Preventive Services See details
The UCare Your Choice (PPO) plan covers preventive services, including Medicare-covered services and annual physical exams. Additional preventive services like smoking cessation counseling and a fitness benefit (Memory Fitness) are also covered. However, health education, in-home safety assessments, and several other services are not covered.
Hearing Services See details
Under the UCare Your Choice (PPO) plan, hearing exams have a $40 copay, routine hearing exams are covered for 1 visit every year, and fitting/evaluation for hearing aids are covered for 3 visits every year. Prescription hearing aids are covered up to $1,200 every year, and only "Prescription Hearing Aids (all types)" are covered.
Vision Services See details
Vision services include eye exams, routine eye exams, and eyewear. Eye exams have a copay between $0 and $40. Eyewear has a combined maximum benefit of $1200 every year for both in-network and out-of-network services.
Dental Services See details
The UCare Your Choice (PPO) plan covers dental services, with a maximum benefit of $1200 per year for both in-network and out-of-network services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatments, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable & fixed), maxillofacial prosthetics, implant services, oral and maxillofacial surgery, and orthodontics are also covered.
Home Infusion bundled Services See details
Home Infusion bundled Services includes coverage for Medicare Part B Insulin Drugs with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the UCare Your Choice (PPO) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, is covered by the UCare Your Choice (PPO) plan. Durable medical equipment has a 20% coinsurance, and medical supplies have a 20% coinsurance. Diabetic supplies and therapeutic shoes/inserts also have a 20% coinsurance. Durable medical equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by UCare Your Choice (PPO), with Diagnostic Procedures/Tests costing a $25 copay, Diagnostic Radiological Services costing a maximum $100 copay, Therapeutic Radiological Services costing a maximum $65 copay, and Outpatient X-Ray Services costing a $25 copay; however, Lab Services are not covered.
Home Health Services See details
Home Health Services are covered by the UCare Your Choice (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are generally covered, but not in practice. The plan does not cover 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 Your Choice (PPO) 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 are not covered.
Other Services See details
Other Services include Over-the-Counter (OTC) Items, with a maximum benefit of $75.00 every six months, 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. Other 1 benefits include the Strong & Stable Kit.
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