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UCare Your Choice Plus (PPO)

Minnesota Medicare Advantage Plan (2025 Plan)

Monthly Premium

Your Cost
$51
by UCare

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 3.5
out of 5 stars

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Plan Overview

Plan Name
UCare Your Choice Plus (PPO)
Insurance Carrier
UCare
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

UCare Your Choice Plus (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Minnesota and offered by the health insurance company UCare. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.

Cost Summary

Monthly Premium
$51
Annual Deductible
$0
Max Out-of-Pocket
$3,000
Primary doctor visit
$0 copay
Specialist visit
$30 copay per visit
ER visit
$100 copay per visit (always covered)
Ambulance
$275 copay

UCare Your Choice Plus (PPO) has a monthly premium cost of $51 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $3,000 In and Out-of-network $3,000 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for UCare Your Choice Plus (PPO) are defined below.

Additional Benefits and Coverage

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

UCare Your Choice Plus (PPO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. UCare Your Choice Plus (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. UCare Your Choice Plus (PPO) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Limited coverage
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Not covered
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Comparing the Quality Score of UCare Your Choice Plus (PPO) to Other Plans in Minnesota

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, UCare Your Choice Plus (PPO) received an overall government quality rating of 3.5 stars out of 5 stars.

UCare Your Choice Plus (PPO) performed worse than Minnesota’s State average overall quality score of 4.0 stars.

This Plan’s 5-star Gov’t Quality Score
Minnesota State Average Score
Overall Government 5 Star Quality Rating
 3.5
 4.0
Summary rating of health plan quality
 4
 3.9
Staying healthy: screenings, tests, & vaccines
 4
 3.9
Managing chronic (long term) conditions
 3
 3.3
Member experience with health plan
 4
 4.0
Member complaints & changes in the health plan's performance
 5
 4.6
Health plan customer service
(coming soon)
 4.0
Summary rating of drug plan quality
 3.5
 4.0
Drug plan customer service
 4
 4.1
Member complaints & changes in the drug plan's performance
 5
 4.2
Member experience with the drug plan
 2
 3.7
Drug safety & accuracy of drug pricing
 4
 3.7

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

UCare Your Choice Plus (PPO) received 4 stars for its health plan quality score which is better than the Minnesota State average health plan quality score of 3.9 stars.

UCare Your Choice Plus (PPO) received 3.5 stars for its drug plan quality score which is worse than the Minnesota State average drug plan quality score of 4.0 stars.

Plan Benefits and Coverage Details

Monthly Premium
$51
Health Portion of Premium
$25
Drug Portion of Premium
$26
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$3,000 In and Out-of-network
$3,000 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes
Doctor Lookup Link
https://home.ucare.org
Plan Link
https://home.ucare.org

Medical Benefits

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $0 copay
Specialist visit
In-network: $30 copay per visit
Out-of-network: $0-30 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $20 copay
Out-of-network: 30% coinsurance
Lab services
In-network: $0 copay
Out-of-network: $0 copay
Diagnostic radiology services (like MRI)
In-network: $75 copay
Out-of-network: 30% coinsurance
Outpatient x-rays
In-network: $15 copay
Out-of-network: 30% coinsurance
Emergency care
$100 copay per visit (always covered)
Urgent care
$45 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $200 per stay
Out-of-network: $800 per stay
Outpatient hospital coverage
In-network: $200 copay per visit
Out-of-network: $300 copay per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$214 per day for days 21 through 100
Out-of-network: 30% per stay

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance
In-network: $275 copay
Out-of-network: $275 copay

Therapy services

Occupational therapy visit
In-network: $30 copay
Out-of-network: $0-30 copay
Physical therapy & speech & language therapy visit
In-network: $30 copay
Out-of-network: $0-30 copay

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $0 copay
Outpatient group therapy visit
In-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy visit
In-network: $0 copay
Out-of-network: $0 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Diabetes supplies
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item

Prescription Drug Benefits

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseCatastrophic coverage phase
Preferred Generic$0.00 copay$0 copay
Generic$10.00 copay$0 copay
Preferred Brand$47.00 copay$0 copay
Non-Preferred Drug$100.00 copay$0 copay
Specialty Tier33% coinsurance$0 copay

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: $35 copay or 0-30% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: $35 copay or 0-30% coinsurance

Extra Benefits

Hearing

Hearing exam
In-network: $30 copay
Out-of-network: $0-30 copay
Fitting/evaluation
In-network: $0 copay
Out-of-network: $0 copay
Hearing aids - All types
In-network: $0 copay
Out-of-network: $0 copay

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: $0 copay
Cleaning
In-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
In-network: $0 copay
Out-of-network: $0 copay
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed
In-network: $0 copay
Out-of-network: $0 copay
Maxillofacial prosthetics
In-network: $0 copay
Out-of-network: $0 copay
Implant services
In-network: $0 copay
Out-of-network: $0 copay
Oral and maxillofacial surgery
In-network: $0 copay
Out-of-network: $0 copay
Orthodontics
In-network: $0 copay
Out-of-network: $0 copay
Adjunctive general services
In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam
In-network: $0 copay
Out-of-network: $0 copay
Contact lenses
In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass lenses (only)
In-network: $0 copay
Out-of-network: $0 copay
Upgrades
In-network: $0 copay
Out-of-network: $0 copay

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