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UCare Your Choice Plus (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UCare Your Choice Plus (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 Plus (PPO) in 2025, please refer to our full plan details page.
UCare Your Choice Plus (PPO) is a PPO plan offered by UCare Minnesota available for enrollment in 2025 to people living in 46 Counties. This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that UCare Your Choice Plus (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 Plus (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 Plus (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $51.00. 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 combined Maximum Out-Of-Pocket cost of $3000.00 (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 $3000.00 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 Plus (PPO)
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Drug Coverage
The UCare Your Choice Plus (PPO) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay a copay for your prescriptions depending on the drug tier and the pharmacy you use. For example, Tier 1 drugs have a $10 copay at standard and mail order pharmacies, while Tier 2 drugs have a $47 copay at standard and mail order pharmacies. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for your covered drugs. If you qualify for the low-income subsidy, you'll pay $25.90 per month for your Part D premium.
Additional Benefits
The UCare Your Choice Plus (PPO) plan offers a range of benefits with varying costs. This plan includes coverage for inpatient and outpatient hospital services, with copays ranging from $175 to $200. It also provides coverage for primary care, hearing, vision, and dental services, with copays and coinsurance depending on the specific service. Additional benefits include ambulance services, emergency services, home health services with no copay, and coverage for medical equipment and home infusion services with coinsurance. This plan offers specific copays for primary care, hearing, vision, and dental services, as well as diagnostic, radiological, and skilled nursing facility services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, each with a $200 copay per admission or stay for Medicare-covered stays. Additional Days for Inpatient Hospital-Acute are also covered, with no copay, while Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered.
Outpatient Services See details
Outpatient services include coverage for all outpatient hospital services, observation services, and ambulatory surgical center (ASC) services with a $200 copay for outpatient hospital and observation services and a $175 copay for ASC services; however, outpatient substance abuse services are not covered. Outpatient blood services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the UCare Your Choice Plus (PPO) plan. There is no information on the cost of services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by UCare Your Choice Plus (PPO). Ground and Air Ambulance Services have a $275 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 Your Choice Plus (PPO) 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 Your Choice Plus (PPO) plan covers Primary Care Physician Services, Chiropractic Services with a $20 copay, Occupational Therapy Services with a $30 copay, Physician Specialist Services with a $30 copay, Other Health Care Professional with a copay between $0 and $30, Physical Therapy and Speech-Language Pathology Services with a $30 copay, Additional Telehealth Benefits with a 20% coinsurance and a copay between $0 and $45, and Opioid Treatment Program Services. However, Routine Chiropractic Care, Individual Sessions for Mental Health Specialty Services, Group Sessions for Mental Health Specialty Services, Podiatry Services, Individual Sessions for Psychiatric Services, and Group Sessions for Psychiatric Services are not covered.
Preventive Services See details
Preventive services, including Medicare-covered services, are covered by the UCare Your Choice Plus (PPO) plan. Additional preventive services such as Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), 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 Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, and Enhanced Disease Management are not covered.
Hearing Services See details
UCare Your Choice Plus (PPO) covers hearing exams with a $30 copay, and routine hearing exams and fitting/evaluation for hearing aids are also covered. Prescription hearing aids are covered up to $1,600 per year for both ears combined, but inner ear, outer ear, and over-the-ear hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision Services include coverage for eye exams with a copay of $0-$30, and eyewear with a combined maximum benefit of $1,600 every year, covering contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades. Routine eye exams are covered once per year.
Dental Services See details
The UCare Your Choice Plus (PPO) plan covers a range of dental services, including oral exams, dental x-rays, and more, with a maximum annual benefit of $1,600 for both in-network and out-of-network services. Many services, such as oral exams and dental x-rays, are unlimited.
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 have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the UCare Your Choice Plus (PPO) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
The UCare Your Choice Plus (PPO) plan covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment. Durable Medical Equipment has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices, Medical Supplies, Diabetic Supplies, and Diabetic Therapeutic Shoes/Inserts also have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for Diagnostic Procedures/Tests with a $20 copay, and Diagnostic Radiological Services with a $75 copay, Therapeutic Radiological Services with a $65 copay, and Outpatient X-Ray Services with a $15 copay. Lab Services are not covered.
Home Health Services See details
Home Health Services are covered by the UCare Your Choice Plus (PPO) 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 Your Choice Plus (PPO) plan. 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, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the UCare Your Choice Plus (PPO) plan. There is no copay for days 1-20, and a $214 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
The UCare Your Choice Plus (PPO) plan covers Over-the-Counter (OTC) items, with a maximum benefit 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.
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