Are you looking for a Medicare Advantage plan that fits your needs in Minnesota or western Wisconsin? You’re in luck! UCare offers a range of plans for 2024 that come with comprehensive coverage and extra perks.
You can get dental, vision, and hearing benefits, along with fitness programs to keep you active and healthy. UCare has a broad network of providers, so you’ll have plenty of options for your healthcare needs.
The premiums are affordable, and the high star ratings show that UCare is committed to delivering quality care to its members.
If you’re interested in finding out more about the plans available and seeing which one might be the best fit for you, continue reading my post.
General Features and Coverage
When it comes to choosing a Medicare Advantage plan for 2024, UCare has got you covered with comprehensive options that fit your needs.
UCare’s plans include coverage for hospital stays, doctor visits, preventive care, and diagnostic tests. Most plans even provide emergency and urgent care coverage worldwide. You can find Part D prescription drug coverage in many UCare plans, offering affordable copays on generic drugs, and some plans even cover you through the coverage gap.
You’ll appreciate the broad network of providers, with in-network access to 96% of all providers in Minnesota and coverage at out-of-state MultiPlan Network providers. You can see specialists without referrals and take advantage of telehealth services for convenient care.
UCare’s high star ratings from Medicare, with most plans rated 4 stars or higher for 2024, show their strong performance in quality care and customer service. They also hold NCQA accreditation, underscoring their commitment to quality standards.
Beyond medical benefits, UCare plans include extras to support your overall health and wellness. The One Pass fitness benefit offers a free basic gym membership at over 24,000 locations nationwide.
You’ll also get allowances for over-the-counter health items, savings on healthy foods, and the new Healthy Benefits+ Visa Card to easily access these perks. Plus, dental, vision, and hearing coverage are available, with many plans including preventive dental and an eyewear allowance.
If you’re interested in learning more about these plans and finding the one that suits you best, feel free to reach out. I’m here to help you navigate your options and make the best choice for your healthcare needs.
Specific Plan Options
Finding the right Medicare Advantage plan for 2024 in Minnesota and western Wisconsin can be easier with UCare’s diverse options. Here’s a breakdown of what’s available:
UCare Classic
This popular plan comes with a $206 monthly premium and $0 deductible. It includes extra benefits like dental, vision, and hearing coverage, a broad network, and travel coverage.
UCare Complete
An HMO-POS plan with a $83 monthly premium and $0 deductible, offering preventive dental and an eyewear allowance. It also provides a $5,030 initial coverage limit for Part D drugs.
UCare Essentials Rx
A budget-friendly option with premiums ranging from $38 to $56 per month. This plan includes Part D coverage, routine dental, an eyewear allowance, and over-the-counter benefits.
UCare Value
These plans have $0 to $19 monthly premiums and include dental, vision, hearing, and Part D drug coverage. They offer a $5,400 out-of-pocket maximum.
UCare Aware
At just $5 per month, this low-premium plan includes Part D, a dental allowance, eyewear coverage, and over-the-counter benefits. It has a slightly higher out-of-pocket maximum.
UCare Your Choice
These plans provide flexibility to see both in-network and out-of-network providers, with premiums of $0 to $56 per month. They also offer a Medicare Part B premium giveback and travel coverage.
UCare Medicare with M Health Fairview & North Memorial Health
Branded as Care Core and Care Wise, these plans give access to a network featuring these health system providers, with premiums of $0 to $28 per month.
UCare’s variety of plans allows you to select the best fit for your health needs and budget. Compare premiums, copays, provider networks, and supplemental benefits to find the plan that’s right for you. If you need help or have any questions, feel free to reach out. I’m here to guide you through your options and help you make an informed choice.
Additional Benefits and Pharmacy Changes
UCare’s 2024 Medicare Advantage plans are designed to support your overall health and well-being with a range of additional benefits.
One standout feature is the One Pass fitness program, which gives you a free basic gym membership at over 24,000 locations nationwide. Staying active and fit has never been easier.
You’ll also find allowances for over-the-counter health items, helping you save on essentials like pain relievers, vitamins, and first aid supplies. With the new Healthy Benefits+ Visa Card, accessing these benefits is hassle-free and paperless.
Healthy food savings are another great perk. UCare promotes better nutrition by offering discounts on healthy foods. You can also get up to $15 off community education classes on cooking and nutrition, with a limit of three discounts per year. Some plans even include a quarterly allowance for healthy food purchases.
Pharmacy coverage changes for 2024 are focused on affordability. Insulin costs are capped at $35 per month on plans that include Part D coverage, thanks to the Inflation Reduction Act. Many generic drugs are available with low or no copay, making your medications more affordable.
UCare uses a preferred pharmacy network, offering lower cost-sharing at select pharmacies. You can easily look up your plan’s drug formulary and pharmacy directory to see what’s covered and find in-network pharmacies nearby. The UCare Medicare Plans Formulary for 2024 includes 3,405 drugs across 5 tiers.
These supplemental benefits and pharmacy changes show UCare’s commitment to providing well-rounded coverage that goes beyond basic medical needs. Their focus on member wellness and satisfaction is evident in the extra programs and affordable drug coverage they offer.
If you’re curious about how these benefits can enhance your healthcare experience, feel free to reach out. I’m here to help you understand your options and find the best plan for your needs.
Enrolling in UCare Medicare Advantage
To enroll in a UCare Medicare Advantage plan for 2024, there are a few eligibility requirements you’ll need to meet. You must be a U.S. citizen or lawfully present in the U.S., have both Medicare Part A and Part B, and live in UCare’s service area in Minnesota or western Wisconsin.
Enrollment Periods
- Initial Enrollment Period: This is a 7-month period starting 3 months before the month you turn 65.
- Annual Election Period: From October 15 to December 7 each year, for coverage starting January 1.
- Special Enrollment Period: Certain situations, like moving or losing other coverage, might qualify you for a special enrollment period to join a plan outside the usual times.
Enrollment Process
To complete your UCare Medicare Advantage enrollment application, you’ll need to provide your Medicare number, permanent address, and phone number. If you’re experiencing homelessness, you can list a P.O. box, shelter address, or the address where you receive mail as your permanent residence.
Ways to Enroll
- Online: Fill out UCare’s online enrollment form at ucare.org. You can save your progress and check your application status through your online account.
- Mail: Send a completed paper application to UCare at P.O. Box 52, Minneapolis, MN 55440-9682.
- Phone: Call UCare’s Medicare sales line at 1-877-523-1518 to enroll over the phone with a representative.
After Enrollment
Once UCare receives and approves your enrollment, you’ll get a confirmation letter and member ID card within about 15 days. While waiting for your card, you can log in to your online account to check your application status. If UCare needs more information to process your enrollment, such as proof of eligibility, they’ll contact you by phone or mail. Be sure to provide any requested documentation promptly to avoid delays.
Welcome Packet
After your enrollment is fully processed, you’ll receive a welcome packet with your Evidence of Coverage and other important plan materials. You can start using your UCare Medicare Advantage benefits on your plan’s effective date and enjoy the extra programs and services included with your coverage.
If you have any questions or need assistance with the enrollment process, feel free to reach out. I’m here to help you every step of the way to ensure you find the best plan for your needs.
Step-by-Step Enrollment Guide
1. Confirm Your Eligibility
To enroll, ensure you:
- Are enrolled in both Medicare Part A and Part B.
- Live in UCare’s Minnesota or western Wisconsin service area.
- Are a U.S. citizen or lawfully present in the U.S.
2. Gather Necessary Information
You’ll need:
- Your Medicare number (from your red, white, and blue Medicare card).
- Permanent address and phone number.
- If you’re experiencing homelessness, provide the address of a shelter, clinic, P.O. box, or wherever you receive mail.
3. Compare UCare’s 2024 Plan Options
Find the best fit by reviewing:
- Plan benefits
- Provider network
- Drug formulary
- Estimated out-of-pocket costs You can compare plans online, request information by mail, or speak with a UCare Medicare sales representative for assistance.
4. Choose Your Preferred Enrollment Method
Online:
- Complete and submit the online enrollment form on UCare’s website. You can save your progress and check your application status through your online account.
Mail:
- Fill out and mail a paper enrollment form to UCare at P.O. Box 52, Minneapolis, MN 55440-9682.
Phone:
- Call UCare’s Medicare sales line at 1-877-523-1518 to enroll over the phone with a representative.
5. Submit Your Enrollment Request
Ensure UCare receives your application by the applicable deadline:
- Annual Election Period: October 15 to December 7. UCare must receive your application by December 7 for a January 1 effective date.
6. Watch for Confirmation
Within about 15 days after UCare receives your enrollment request, you should receive:
- A confirmation letter
- Your member ID card Contact UCare if you haven’t received these materials within 15 days.
7. Provide Additional Information if Needed
If UCare needs more information to process your enrollment, promptly provide the requested documentation by the stated deadline to avoid delays or disruptions in coverage.
8. Review Your Welcome Packet
Once your enrollment is fully processed:
- Review your Evidence of Coverage and other important plan materials.
- Note your coverage effective date.
- Keep your member ID card in your wallet to access services.
By following these steps and submitting all required information to UCare in a timely manner, you can smoothly enroll in a UCare Medicare Advantage plan and begin enjoying your benefits in 2024. If you have any questions or need further assistance, feel free to reach out. I’m here to help you through the process and ensure you get the coverage that best fits your needs.
Required Documentation for Enrollment
To successfully enroll in a UCare Medicare Advantage plan, you’ll need to provide the following documents and information:
1. Medicare Card
- Your Medicare card, which includes your Medicare number. This verifies your enrollment in Medicare Part A and Part B.
2. Proof of Age
- A driver’s license, state ID card, or birth certificate.
3. Proof of Residency
- Documents showing your residency in UCare’s Minnesota or western Wisconsin service area, such as:
- Driver’s license
- State ID card
- Utility bill
- Signed lease
- If you’re experiencing homelessness, provide the address of a shelter, clinic, P.O. box, or where you receive mail.
4. Proof of U.S. Citizenship or Lawful Presence
- Acceptable documents include:
- Passport
- Birth certificate
- Permanent resident card
- Immigration documents
5. Social Security Number
- Your Social Security number is required for enrollment.
Ensuring Timely Processing
It’s crucial to submit complete and accurate documentation with your enrollment request. This helps ensure timely processing of your application. If UCare needs additional information or paperwork to verify your eligibility, they will contact you by phone or mail. Responding promptly to these requests by the stated deadline can help avoid delays or disruptions in your coverage.
UCare Anywhere Travel Coverage
When you’re on the go, it’s comforting to know that your health coverage travels with you. UCare’s Medicare Advantage plans for 2024 include the UCare Anywhere℠ benefit, offering extensive coverage within the United States.
With UCare Anywhere℠, you can visit any provider that accepts Medicare across the country and receive in-network coverage. Just show your UCare member ID card to the provider. The MultiPlan logo on the back of your card helps providers recognize your eligibility for coverage.
Most non-emergency services from out-of-network providers are covered, but it’s important to check your specific plan details in your Evidence of Coverage. Certain types of care will have the same in-network copay even when received from out-of-network providers while traveling. These include:
- Primary care visits
- Specialist visits
- Occupational therapy services
- Physical therapy services
- Podiatry services
- Mental health specialty services
Emergency and urgent care are always covered while traveling in the U.S., with the same copays as in-network services, including ambulance transportation.
If you receive a bill for services while traveling, ask the provider to send it to UCare at the address on your member ID card. It’s best to wait for UCare to process the claim before paying. After processing, you may receive a bill for any owed copays.
For worldwide emergency coverage outside the U.S., UCare will reimburse you for emergency services up to what Original Medicare would pay. It’s a good idea to consider additional travel insurance for non-emergency care when traveling internationally.
UCare Anywhere℠ provides peace of mind and helps you avoid unexpected out-of-network costs, ensuring you can access care confidently during your travels. Whether you’re staying within the states or venturing abroad, you can feel secure knowing your health coverage has you covered.
Exciting New Features in UCare’s Medicare Advantage Plans for 2024
UCare is introducing several new features and updates to its Medicare Advantage plans for 2024, all designed to enhance your experience and provide even better value. Here’s what you can look forward to:
Healthy Benefits+ Visa Card
UCare is rolling out the Healthy Benefits+ Visa card, a convenient one-card solution for your spending allowances, rewards, and incentives. Depending on your specific plan, the card comes preloaded with:
- An over-the-counter allowance
- Prescription eyewear or flexible benefit allowance
- Grocery discount programs
- And more
Improved Pharmacy Coverage
To make medications more affordable, UCare is eliminating preferred pharmacies in 2024. This means you can enjoy lower copays at many more pharmacies. Additionally, UCare is transitioning to Costco Mail Order Pharmacy for plans that include Part D prescription drug coverage, providing even greater convenience and cost savings.
$0 Copay for Mental Health Care
Accessing mental health services is becoming easier and more affordable with a $0 copay on all UCare’s 2024 plans. This change underscores the importance of mental health and ensures that you can get the care you need without worrying about the cost.
Updated Member ID Cards
For 2024, UCare Medicare plans will feature new pharmacy information on member ID cards. Starting January 1, be sure to bring your new card to your pharmacy and discard the old one to ensure seamless service and accurate billing.
These enhancements reflect UCare’s commitment to providing comprehensive, affordable coverage and improving the overall member experience. The Healthy Benefits+ Visa card simplifies access to your benefits, while the updated pharmacy coverage and $0 copay for mental health care help reduce out-of-pocket costs. By continuing to evolve its Medicare plans, UCare is dedicated to delivering even greater value to you in 2024.
Stay tuned for more updates and enjoy the peace of mind that comes with knowing UCare is continually working to enhance your healthcare coverage.
Comparing UCare Medicare Advantage Plans for 2024
UCare offers a range of Medicare Advantage plans with varying premiums, copays, and benefits to suit different budgets and health needs. Here’s an overview of how some key UCare plans compare:
UCare Classic
- Monthly Premium: $206
- Primary Care Visits: $0 copay
- Specialist Visits: $30 copay
- Inpatient Hospital Stays: $300 per day for the first 5 days
- Part D Drug Coverage: Included, with copays as low as $0 for Tier 1 generics
UCare Complete
- Monthly Premium: $83-$133, depending on the county
- Primary Care Visits: $0 copay
- Specialist Visits: $40 copay
- Inpatient Hospital Stays: $125 per day for days 1-5
- Part D Drug Coverage: Included, with $0 copays for Tier 1 generics
UCare Essentials Rx
- Monthly Premium: $38-$56
- Primary Care Visits: $0 copay
- Specialist Visits: $45 copay
- Inpatient Hospital Stays: $400 per stay
- Part D Drug Coverage: Included, with $12 copays for Tier 1 generics
UCare Value
- Monthly Premium: $0-$19
- Primary Care Visits: $0 copay
- Specialist Visits: $45 copay
- Inpatient Hospital Stays: $400 per stay
- Part D Drug Coverage: Included, with $12 copays for Tier 1 generics
UCare Aware
- Monthly Premium: $5
- Primary Care Visits: $0 copay
- Specialist Visits: $45 copay
- Inpatient Hospital Stays: $400 per stay
- Part D Drug Coverage: Not included
Key Takeaways
Plans with higher monthly premiums, like UCare Classic, generally offer lower copays. In contrast, lower premium plans, such as UCare Essentials Rx and UCare Value, have higher copays for some services. Despite these differences, all plans include extras like dental, vision, hearing, and fitness benefits, though the extent of coverage varies.
By comparing the premiums, copays, and benefits of UCare’s plans, you can find the most suitable and cost-effective option for your needs. UCare’s Medicare Advantage plans are designed to provide affordable choices with valuable coverage, ensuring you can select a plan that best fits your health needs and budget.
UCare Medicare Plan Highlights
Comparison of Key UCare Medicare Advantage Plan Options for 2024
| Plan | Monthly Premium | Key Features |
| UCare Aware | $5 | Very low premium plan that includes a $600 dental allowance, $150 eyewear allowance, and $75 over-the-counter allowance every 6 months. Does not include Part D prescription drug coverage. |
| UCare Essentials Rx | $38 – $56 | Affordable plan that includes Part D drug coverage, routine dental with optional comprehensive coverage, $150 eyewear allowance, and $75 over-the-counter allowance every 6 months. |
| UCare Your Choice | $0 – $56 | PPO plans that allow flexibility to see both in-network and out-of-network providers. Include Part D drug coverage, dental allowance, eyewear allowance, and Medicare Part B premium reduction. |
| UCare Complete | $83 | HMO-POS plan with low copays like $0 for primary care. Includes Part D with $0 copay for Tier 1 generics, preventive dental, $150 eyewear allowance, and $5,030 initial coverage limit for drugs. |
Overview
These plans offer a range of premiums and benefits to suit different needs and budgets:
- UCare Aware is a very low-cost option for those who don’t need Part D and are willing to have a slightly higher out-of-pocket maximum in exchange for a $5 premium.
- UCare Essentials Rx provides an affordable choice that bundles in Part D coverage and extras like dental, vision, and over-the-counter benefits.
- UCare Your Choice plans are good for members who want the option to see out-of-network providers, with the plans paying 50% for those services. They also include Part D and a Medicare Part B premium giveback.
- UCare Complete is a more comprehensive option with a higher premium but lower copays and extra benefits like preventive dental and an eyewear allowance. It has a $5,030 initial coverage limit on Part D drugs.
Additional Features
All of these plans include valuable features like the One Pass fitness benefit, UCare Anywhere travel coverage, and access to a large provider network. Comparing the premiums, copays, and supplemental benefits across the plans allows beneficiaries to find the best fit for their situation.
UCare Medicare Plans: Commitment to Quality and Performance
UCare Medicare plans consistently earn high ratings for quality and performance from the Centers for Medicare & Medicaid Services (CMS). In 2022, UCare Medicare plans earned a prestigious 5-star rating, the highest possible, with only 16% of plans nationwide achieving this level of excellence. This 5-star rating reflects strong performance across multiple quality measures.
Recognized Excellence
- NCQA Accreditation: UCare maintained NCQA’s Health Plan Accreditation for its full line of Medicare, Medicaid, and Marketplace products in 2022. This accreditation is a widely recognized symbol of quality based on rigorous standards for consumer protection and quality improvement.
- NCQA Health Insurance Plan Ratings: In the 2022 NCQA Health Insurance Plan Ratings, 72.5% of UCare’s EssentiaCare plan measure elements were above the national 75th percentile. For UCare Medicare, this figure was 68.6%, and for UCare Connect + Medicare, it was 64.2%. These high percentages demonstrate UCare’s commitment to delivering quality care and service across its different plan offerings.
Quality Improvement Program
UCare’s quality improvement program focuses on key areas such as:
- Preventive Screenings: Encouraging regular check-ups and early detection of health issues.
- Medication Adherence: Ensuring members follow prescribed medication regimens.
- Member Satisfaction: Continuously improving member experiences and satisfaction.
- Chronic Condition Management: Implementing tailored interventions to manage chronic conditions effectively.
Commitment to Health and Well-being
By consistently achieving high star ratings and accreditations while maintaining a strong quality program, UCare ensures that its Medicare plans provide excellent value and support the health and well-being of its members. This commitment is reflected in the comprehensive care and service provided across all UCare plans.
Enrolling in a UCare Medicare Advantage Plan by Phone
You can easily enroll in a UCare Medicare Advantage plan by calling UCare’s Medicare sales line at 1-877-523-1518. Here’s a step-by-step guide to help you through the process:
Step 1: Prepare Your Information
Before calling, make sure you have your Medicare number and other required information ready, such as your permanent address.
Step 2: Call UCare’s Medicare Sales Line
Dial 1-877-523-1518 to speak with one of UCare’s licensed sales representatives. They are available to assist you with the enrollment process and answer any questions you may have about plan options, benefits, and costs.
Step 3: Enrollment Assistance
The sales representative will guide you through the enrollment application, helping you compare plans, verify your eligibility, and complete the enrollment all in one call.
Step 4: Confirmation
After your enrollment is submitted, UCare will mail you a confirmation letter and your member ID card within about 15 days. If any additional information is needed to process your enrollment, UCare will contact you directly.
Other Enrollment Options
In addition to enrolling by phone, you can also choose to enroll online or by mailing a paper application:
- Online Enrollment: Visit UCare’s website to fill out and submit the enrollment form. You can save your progress and check your application status through your online account.
- Mail Enrollment: Fill out a paper application and mail it to UCare at P.O. Box 52, Minneapolis, MN 55440-9682.
Benefits of Phone Enrollment
Enrolling by phone can be a convenient option if you prefer to speak with someone directly. The representative can provide personalized assistance, ensuring that all your questions are answered and the application is completed correctly.
Regardless of the method you choose, UCare aims to make the enrollment process as simple and straightforward as possible, so you can start enjoying your Medicare Advantage benefits without any hassle.
Extra Benefits of UCare Medicare Advantage Plans
UCare Medicare Advantage plans offer a variety of additional benefits to support members’ overall health and well-being. Here’s a look at the comprehensive benefits you can enjoy:
Dental Coverage
Many UCare plans include preventive dental services such as cleanings and X-rays at no cost. Additionally, allowances for comprehensive dental care range from $300 to $2,500 per year, depending on the plan.
Vision and Hearing Benefits
Plans typically cover routine vision and hearing exams, along with allowances for eyewear and hearing aids. For example, UCare Classic offers a $200 eyewear allowance and up to $1,100 for hearing aids every two years.
SilverSneakers Fitness Program
Most UCare plans include a free SilverSneakers membership, giving you access to over 16,000 participating gyms and fitness centers nationwide, as well as on-demand workout videos to keep you active and healthy.
Over-the-Counter Allowance
Many plans provide a quarterly allowance for purchasing over-the-counter health items like pain relievers, cough and cold medicine, first aid supplies, and dental care products. Allowances range from $25 to $100 per quarter.
Transportation
Some UCare plans cover non-emergency transportation to approved locations such as doctor appointments and pharmacies, making it easier for members to access necessary care.
Meal Delivery After Hospital Stays
Certain plans include meal delivery services for members following a hospital admission or surgery, supporting recovery at home with nutritious meals.
UCare Anywhere Travel Coverage
Members are covered when traveling within the U.S. with in-network cost-sharing for services like primary care visits, specialist visits, and physical therapy, ensuring you have access to care while on the move.
Healthy Savings Program
UCare partners with Healthy Savings to offer members discounts on healthy foods, such as fresh produce, milk, and whole grains, at participating grocery stores, promoting better nutrition and overall health.
Comprehensive Support for Health and Well-being
By offering these additional benefits, UCare Medicare Advantage plans aim to provide well-rounded coverage that goes beyond basic medical needs. These extra services and allowances are designed to help members maintain and improve their health, ensuring a better quality of life.
How to Check If Your Medications Are Covered by Your UCare Medicare Advantage Plan’s Formulary for 2024
Ensuring that your medications are covered by your new UCare Medicare Advantage plan is essential. Here’s how you can verify this:
1. Visit the UCare Medicare Plans Formulary Page
- Online Access: Go to the UCare website and navigate to the Medicare Plans Formulary (List of Covered Drugs) page.
- Select Your Plan: Choose your specific plan to view its comprehensive formulary, listing all covered drugs along with any applicable requirements or limits.
2. Use the Search Tool
- Quick Lookup: On the formulary page, use the search tool to look up your medications by name or drug type.
- Results: The search results will indicate the drug tier your medication falls under and if any special rules apply, such as prior authorization or step therapy.
3. Review Plan Documents
- Summary of Benefits: Check your plan’s Summary of Benefits or Evidence of Coverage documents for an overview of drug tiers and copay amounts for prescriptions.
- Access Online: These documents are available on UCare’s Plan Documents and Forms page.
4. Contact UCare Customer Service
- Phone Inquiry: Call UCare Customer Service at 1-877-523-1518.
- Information Provided: Representatives can look up your medications, provide details on tier placement, and inform you of any restrictions.
5. Consult Printed Materials
- Mailed Documents: Review the printed formulary, pharmacy directory, and plan materials that were mailed to you after enrollment.
- Comprehensive List: These documents list covered drugs and in-network pharmacies for your specific plan.
Understanding Drug Tiers and Requirements
When reviewing the formulary, note the drug tier, as this impacts your copay amount:
- Tier 1: Preferred generic drugs with the lowest copays.
- Tier 2: Non-preferred generic drugs.
- Tier 3: Preferred brand drugs.
- Tier 4: Non-preferred brand drugs.
- Tier 5: Specialty drugs with the highest cost-sharing.
Special Requirements:
- Prior Authorization: Some drugs require approval before they are covered.
- Quantity Limits: There may be limits on how much medication you can get at one time.
- Step Therapy: You may need to try other medications before the plan covers the prescribed drug.
If Your Drug Is Not Listed
- Discuss Alternatives: Talk to your doctor about alternative covered medications.
- Formulary Exception Request: File a request for UCare to cover a non-formulary drug if your doctor indicates it is medically necessary.
Preparing for Out-of-Pocket Costs
By checking your plan’s formulary in advance, you can ensure your medications are covered and anticipate any out-of-pocket costs or special requirements. This proactive approach helps avoid unexpected expenses or delays when filling prescriptions under your new UCare Medicare Advantage plan.
How to Check If Your Current Doctors Are Part of the UCare Network
Ensuring your current doctors are part of the UCare network is crucial for maintaining continuity in your healthcare. Here’s how you can find out:
1. Use the Online Provider Search Tool
- Visit UCare’s Website: Go to search.ucare.org and enter the name of a specific doctor, clinic, hospital, or other provider you are looking for.
- Search Criteria: You can also search by specialty, location, or other criteria to find in-network providers near you.
- Results: The search results will indicate if the provider is in-network for your UCare plan.
2. Check the Provider Directory
- Online Access: Log in to your member account on the UCare website to access the online provider directory for your specific UCare Medicare Advantage plan.
- Printed Copy: You can request a printed copy from UCare Customer Service.
- Information Included: The directory lists all the providers in your plan’s network, including primary care doctors, specialists, hospitals, pharmacies, and more.
3. Contact UCare Customer Service
- Phone Inquiry: Call UCare Customer Service at 1-877-523-1518.
- Information Needed: Have your member ID card handy and specify which UCare Medicare plan you are enrolled in.
- Assistance Provided: Representatives can look up doctors and confirm their network status.
4. Ask Your Doctor’s Office Directly
- Verification: Provide your plan name and member ID number to your doctor’s office. They can verify if they are in UCare’s network and can coordinate your care.
Additional Information
- Broad Network Access: UCare Medicare plans offer access to a broad network, including 96% of all doctors and most hospitals in Minnesota, as well as 900,000 providers nationally through the MultiPlan network.
- Confirm Specific Providers: It’s important to confirm that your specific preferred providers are included in the network to ensure the highest level of coverage.
What to Do If Your Doctor Is Not In-Network
- Switching Providers: If your current doctor is not in-network, you may need to switch to an in-network provider to get the highest level of coverage from your UCare plan.
- Finding a New Doctor: Use UCare’s provider search tools or contact customer service to find a new in-network doctor who meets your needs.
By following these steps, you can easily verify if your current doctors are part of the UCare network and ensure you receive the maximum benefits from your UCare Medicare Advantage plan.
Frequently Asked Questions (FAQ) About UCare Medicare Advantage Plans
How do I pay my UCare Medicare Advantage plan premium?
There are several ways to pay your monthly plan premium:
- Automatic Payment/Electronic Funds Transfer (EFT): Set up automatic payments from a checking or savings account.
- Online: Pay at member.ucare.org using a credit card or bank account.
- By Mail: Send a check made payable to UCare.
- Deduction: Have the premium deducted from your Social Security or Railroad Retirement Board benefit check.
What is the difference between an HMO and PPO plan?
UCare offers both HMO and PPO Medicare Advantage plans:
- HMO Plan: Requires you to use in-network providers to be covered, except for emergency or urgent care and out-of-area dialysis. Referrals may be required for certain services.
- PPO Plan: Provides more flexibility, allowing you to see both in-network and out-of-network providers, though in-network providers will have lower costs.
How can I get help comparing UCare Medicare plans?
UCare provides several resources to help you compare plans and find the best fit for your needs:
- Website: Visit ucare.org/medicare to view plan details and use the online plan comparison tool.
- Phone: Call UCare’s Medicare sales line at 1-877-523-1518 to speak with a licensed Medicare specialist.
- Meetings: Attend a UCare Medicare informational meeting, offered both in-person and virtually.
- Plan Finder Tool: Use the plan finder tool on medicare.gov to compare UCare plans with other options in your area.
What if I need care when traveling outside the U.S.?
UCare Medicare plans include worldwide emergency care. Here’s what you need to know:
- Emergency Care: If you have a medical emergency while traveling abroad, go to the nearest hospital or emergency room. UCare will cover emergency services and post-stabilization care at the same cost-sharing as in-network.
- Non-Emergency Care: For non-emergency care outside the U.S., you would pay the full cost out-of-pocket.
- Additional Coverage: Consider purchasing a separate travel insurance policy for more comprehensive coverage during foreign travel.
By addressing these common questions, UCare aims to provide clear and helpful information to ensure you have the best experience with your Medicare Advantage plan.
Enclosures: Key Takeaways and Next Steps
UCare’s Medicare Advantage plans for 2024 provide comprehensive coverage, affordable premiums, and valuable extra benefits to help you stay healthy. With a range of plan options, low copays, and a large provider network, UCare delivers the quality care you deserve, including dental, vision, hearing, and fitness benefits plus the new Healthy Benefits+ Visa card.
Ready to enroll or learn more? Call 1-877-523-1518 to speak with a UCare Medicare specialist who can guide you through the process and answer any questions.
Alternatively, visit ucare.org/medicare to compare plans and enroll online. Experience the UCare difference and enjoy the peace of mind you’ve earned.
