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Health care that starts with you, starts here.

Everything you need to know to make the right Medicare choice

GET ALL THE

BENEFITS

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CONTENTSMEDICARE4 A Brief Introduction

6 5-Minute Overview

8 The 4 Parts of Medicare

10 Medicare Advantage Plans

11 Part D: Prescription Drug Options

THINKING ABOUT PLANS12 UCare for SeniorsSM: Get All the Benefits

18 EssentiaCare: Explore All That’s Ahead

20 Decision Helpers

BOOM ON22 Hello, Boomer

26 Working and Medicare

27 When to Sign Up

ACTIVE LIVING28 Keep Moving: Fitness Matters

QUESTIONS30 Common Medicare FAQs

22HELLO BOOMERJust turning 65? This section is just for you.

28ACTIVE LIVINGWorking fitness into life—and Medicare.

MEDICARE PART A, B, C AND DA simple guide to the parts of Medicare and what they cover.

8

SET YOUR PRIORITIESWhat should you think about in choosing a Medicare plan?

20

Midway YMCA, St. Paul, MN

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NEW HEALTH CAREfor a NEW AGE

Medicare is the backbone of health care for Americans who are 65 and older. And despite what you’re used to seeing, it’s not as complicated as it seems.

QUICK FACTSYou may think Medicare’s old school, but this much-discussed program is younger than the vast majority of those it serves. Medicare was signed into law by President Lyndon B. Johnson in 1965 as part of the Social Security Act to provide health insurance to people age 65 and older, regardless of income or medical history. The program was expanded in 1972 to include people under age 65 with permanent disabilities.

• Medicare was considered part of President Lyndon B. Johnson’s War on Poverty.

• When Medicare was enacted, less than half of Americans over age 65 had health insurance.

• Today, Medicare covers over 55 million* Americans aged 65 and older.

• Baby Boomers will spike the number of people covered by Medicare to 81.5 million† by 2030.

• Original Medicare covers about 50% of overall health care costs.

* cms.gov, 2015-07-28† 2012 Annual Report of the Boards of Trustees

of the Federal Hospital Insurance and Federal Supplementary Medical Insurance Trust Funds.

MEDICARE A Brief Introduction

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The eligibility requirements for Medicare are simple: generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States.

(People under age 65 with permanent disabilities or specific medical conditions may also be eligible.)

To be eligible for UCare for SeniorsSM, a Medicare Advantage plan, you must also live in Minnesota and not have end-stage renal disease.

Who’s Eligible?

The5-MINUTE OVERVIEW

Medicare is a program with four parts—A, B, C and D.

Part A helps pay for hospitalization and skilled nursing facility care.

Part B helps pay for doctor visits, plus other medical services and supplies.

Part C—Medicare Advantage plans—are health plans that combine Part A and Part B into one, and include other great benefits. The plans are administered by private health insurers like UCare and others who contract with Medicare.

Finally, Part D covers outpatient prescription drugs. You can learn more about all of these components on the next few pages.

ABC&Dof Medicare

MEDICARE 5-Minute Overview

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AA BBMedical CoverageMedicare Part B covers a wide range of medical expenses including doctor visits, tests, lab work, X-rays, outpatient procedures, chemotherapy, durable equipment and more.

• For most people, Part B had a monthly premium of $104.90 in 2016 (those with higher incomes and those new to Medicare in 2016 paid more).

• Once you’ve met the deductible ($166 in 2016) you’re responsible for 20% coinsurance for most services.

PARTHospital CoverageMedicare Part A helps pay for inpatient hospital stays, skilled nursing care, hospice care and home health care. Deductibles and copays apply.

• Full coverage (after deductible) for 60 days in the hospital, and 90 additional days with a daily copay.

• Full coverage for 20 days in skilled nursing facilities (after hospital stays of at least three days, excluding discharge date) and an additional 80 days with a copay.

PART

MEDICARE The 4 Parts of Medicare

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DDCCThe Medicare Advantage Plan Option Prescription

Drug Coverage

Since 1997, people have had the option of getting their Medicare Part A and Part B benefits through private health insurance plans called Medicare Advantage plans. Alternatively, you can choose to stick with Original Medicare and purchase supplemental coverage through a private insurer on your own.

• Medicare Advantage plans contract with Medicare to administer Part A and Part B benefits.

• Medicare Advantage plans typically offer extra coverage for things Medicare does not cover, such as vision care and dental care. These plans may also include Medicare Part D prescription drug coverage.

• Medicare Advantage plans limit their members’ annual out-of-pocket spending on medical care to $6,700 or less. UCare for Seniors annual out-of-pocket maximum is $3,400 for 4 out of 5 plans (our low-cost Prime plan has an out-of-pocket maximum of $6,700).

Medicare Part D was introduced in 2006 to assist enrollees with prescription drug costs.

• Part D is available to anyone enrolled in either Medicare Part A or Part B.

• Part D can be purchased through one of two types of health plans: Medicare Advantage plans that include Part D and individual prescription drug plans.

• You must choose whether or not to enroll in Part D when you first become eligible for Medicare. Keep in mind that if you pass it up, but decide you want this coverage later, you may have to pay a penalty.

• Most Part D plans have a monthly premium, which varies by plan; benefits and drug costs also vary by plan.

• Each health plan publishes a formulary that lists the drugs that are covered. Find out more about UCare for Seniors’ prescription drug coverage here.

PART

PART

MEDICARE The 4 Parts of Medicare

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UCare for Seniors offers comprehensive Medicare plans that include benefits like dental and prescription drug coverage. In addition, our 30+ year focus on customer service has made UCare for Seniors one of the top-rated plans in the state—and nationwide. It’s all part of why we say that UCare is health care that starts with you.

WHAT KIND OF PLAN IS UCARE FOR SENIORS?UCare for Seniors is a Part C Medicare Advantage plan and a Health Maintenance Organization Point-of-Service (HMO-POS) plan.

• As a Medicare Advantage plan, UCare for Seniors coordinates your Medicare Part A and Part B benefits, plus additional benefits, all in one simple package. Part D prescription drug benefits are also included in 4 out of 5 plan options.

• UCare for Seniors has a network of 7,120 primary care doctors and 17,764 specialists across Minnesota.

WHY CHOOSE UCARE FOR SENIORS?• A wider range of benefits. Most

UCare for Seniors plans include benefits like dental coverage, prescription drug coverage and free health club memberships right in the plan so you don’t have to purchase those things separately.

• Plans to fit your budget. Enjoy no or low copays for primary doctor visits, low copays for specialists, and 100% coverage for a lot of preventive care and screenings.

• Free health club membership. All UCare for Seniors plans offer free SilverSneakers®

health club membership at hundreds of clubs across the state.

• Travel coverage. Enjoy the peace of mind that comes from knowing you’re covered when you travel in the U.S.; all plans also include worldwide emergency coverage.

• Member satisfaction. In 2016, Medicare gave UCare for Seniors a rating of 4.5 out of 5 stars for quality and performance.* And our members gave us an overall rating of 8.8 out of 10.**

* Centers for Medicare & Medicaid Services, 2016 Medicare Health Plan Ratings. Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

** 2015 Consumer Assessment of Healthcare Providers and Systems (CAHPS).

UCare for SeniorsSM

GET ALL THE

BENEFITSTHINKING ABOUT PLANS UCare for Seniors: Get All the Benefits

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Check out UCare’s 2017 plan ratings

I walk four miles a day. Recently I stumbled and bruised my foot. Because I had the peace of mind with my UCare for Seniors coverage, I didn’t hesitate to go in to see the doctor. In the end, the out-of-pocket cost to me was only a few dollars.JIM Duluth, MN, UCare Member

Our newest plan, UCare for Seniors Prime, is designed to provide comprehensive coverage for an ultra-low monthly premium. It is a great choice for those looking for protection from major medical expenses in return for higher copays and/or coinsurance and a higher annual maximum out-of-pocket limit.

Prime offers nearly all of the benefits as other UCare for Seniors plans. Prime benefits include Part D prescription drug coverage, worldwide travel coverage and free SilverSneakers® health club memberships.

As with all plans, an annual wellness exam, immunizations and many preventive screenings are all covered at no extra cost.

For Prime premiums and details, see our comparison chart.

Prime* UCare for Seniors

Travel? We’ve got you covered, no matter what plan you choose. You can count on coverage when you travel throughout the U.S. and emergency care worldwide.

* To be eligible for UCare for Seniors Prime, you must live in one of the following counties: Hennepin, Ramsey, Anoka, Dakota, Scott, Carver, Washington, Wright, Stearns and Sherburne.

(HMO-POS) PLAN (available only in certain counties)

THINKING ABOUT PLANS UCare for Seniors: Get All the Benefits

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UCare for Seniors’ Classic plan is our most comprehensive plan. Designed to cover a wide range of health care needs for eligible Minnesotans, it includes all of the benefits provided in the other options, with lower out-of-pocket costs, no copay for primary care visits, and nominal copays for specialist visits.

In addition, the Classic plan simplifies your life with great coverage for preventive dental care, and allowances for eyewear and hearing aids.

This option also provides Medicare Part D coverage—including Tier 1 and Tier 2 generic drug coverage during the coverage gap (with copays).

For Classic premiums and details, see our comparison chart.

Classic (HMO-POS) PLAN (available only in certain counties)

The Essentials Rx plan is a smart choice for individuals who want excellent coverage for a low monthly premium supported by modest copays for doctor visits and copays for the first five days of a hospitalization. In addition, the Essentials Rx plan offers 100% coverage for many preventive services and great basic dental care, one exam, cleaning, bitewing X-rays and fluoride treatment each year.

The Essentials Rx plan also provides prescription drug coverage.

For Essentials Rx premiums and details, see our comparison chart.

Essentials Rx (HMO-POS) PLAN

As the name implies, UCare for Seniors’ Value plan provides excellent value for your health care dollar. The Value plan offers comprehensive coverage at the doctor’s office with no copay for primary care visits and low copays for visits to a specialist.

The Value Plan covers preventive health care services such as physical exams, routine eye and hearing exams and cancer screenings as well as dental benefits including an exam, cleaning, bitewing X-rays and fluoride treatments each year. Worldwide emergency care and urgently needed care are also included*.

UCare for Seniors’ Value Plus plan provides all the same benefits as the Value plan, along with Medicare Part D prescription drug coverage and dental benefits including one exam, cleaning, bitewing X-rays and fluoride treatment each year.

For Value and Value Plus premiums and details, see our comparison chart.

Check out UCare’s 2017 plan ratings

Value (HMO-POS) PLAN

Value Plus (HMO-POS) PLAN (available only in certain counties)

* The basic Value plan does not include Medicare Part D prescription drug coverage, and a stand-alone Part D prescription drug plan cannot be purchased if you are enrolled in the Value plan. If you want Part D coverage, be sure to enroll in our Prime, Value Plus, Essentials Rx or Classic plan (Prime, Value Plus and Classic plans available only in certain counties).

UCare for Seniors is EASY: I only need one card. It’s a reputable organization with excellent coverage.C. LEIGH Mendota Heights, MN, UCare Member

UCare for Seniors UCare for Seniors

UCare for Seniors UCare for Seniors

THINKING ABOUT PLANS UCare for Seniors: Get All the Benefits

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Secure (PPO) PLAN

Grand (PPO) PLAN

Designed for those who prefer a lower monthly premium, the EssentiaCare Secure plan offers excellent coverage with no copays for primary care doctor visits and copays for the first five days of hospitalization. Benefits include travel coverage, routine annual ear and eye exams, free SilverSneakers health club memberships, and basic dental care, which includes one exam, cleaning, bitewing X-rays and fluoride treatment each year.

The EssentiaCare Secure plan also provides prescription drug coverage.

For those seeking lower out-of-pocket costs when they need health care, EssentiaCare Grand offers the same comprehensive coverage as the Secure plan, with no copays for primary care doctor visits, modest copays for visits to specialists and just $500 per hospitalization, regardless of length of stay.

EssentiaCare Grand provides 100% coverage for preventive health care services such as routine eye and ear exams, basic dental care and cancer screenings. Prescription drug coverage, travel benefits and free SilverSneakers® health club memberships are also included.

* To be eligible for EssentiaCare, you must live in one of the following north-central Minnesota counties: Aitkin, Becker, Carlton, Cass, Clay, Crow Wing, Hubbard, Itasca, Lake and St. Louis.

EssentiaCare is a Medicare plan from Essentia Health and UCare that combines care from the providers at Essentia Health with coverage from UCare. The plan is designed specifically for Medicare-eligible people living in the 10-county coverage area*. Choose from two plans to fit your budget and health care needs.

WHAT KIND OF PLAN IS ESSENTIACARE?EssentiaCare is a Part C Medicare Advantage plan and a Preferred Provider Organization (PPO) plan.

As a Medicare Advantage plan, EssentiaCare bundles your Medicare health care benefits into one package, simplifying your health care experience.

WHY CHOOSE ESSENTIACARE?• Excellent Care. See any of 3,912 doctors

and advanced practitioners at 18 hospitals and 83 clinics, as well as having access to the specialists at Mayo Clinic in Rochester for rare or complex conditions.

• Affordable Coverage. Enjoy no copays for primary doctor visits, low copays for specialists, and 100% coverage for a lot of preventive care and screenings.

• Travel Coverage. Travel worry-free: EssentiaCare plans provide health coverage nationwide and emergency care worldwide.

• Prescription Drug Coverage. No separate Part D prescription drug plan is required—EssentiaCare has you covered.

For more information about EssentiaCare Secure and EssentiaCare Grand, visit essentiacare.org.

EssentiaCare

EXPLORE ALL THAT’S

AHEADEssentiaCare EssentiaCare

THINKING ABOUT PLANS EssentiaCare: Explore All that’s Ahead

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This checklist includes steps to help you make your decision. As you complete an item, check it off your list. Once you’ve completed the checklist, you should have an excellent idea as to which plan is right for you.

Medicare

DECISION HELPERChecklist

Visit medicare.gov to compare plan benefits, costs and ratings.

If you are currently on your employer’s health plan, find out if they offer plans to supplement Medicare.

Ask friends, relatives and neighbors about their plans and whether they are satisfied with their health plans.

Make a list of health care benefits or services that are most important to you.

Create a list of the information you’ll need to be able to compare plans and make a decision.

Request information packets from the health plans that meet those criteria.

Attend a UCare for Seniors informational meeting, or talk with a UCare Medicare Specialist at 1-877-523-1518.

Note the star or quality ratings of any Medicare Advantage plans or Part D plans you are considering.

Making a DecisionKEY CONSIDERATIONS

As you begin the decision-making process, here are a few things to keep in mind.

• Age and eligibility. You have a 7-month window around your 65th birthday to enroll in a Medicare plan, including the three months prior to your birthday month; your birthday month; and the three months following your birthday month.

• Employment. If you are currently employed, you may be able to stay on your employer’s health plan, postponing Medicare until you choose to retire. You will want to compare the costs and benefits of waiving Medicare Part B and staying on your employer’s plan with the costs and benefits of enrolling in Medicare Part B and a health plan like UCare of Seniors.

• Current health issues. Estimate how much health care you use in a given year, such as number of times you visit a doctor, and what prescription drugs you need.

• Travel and lifestyle. How much do you travel, or plan to travel? Not all health plans offer travel coverage (all UCare for Seniors plans DO include nationwide travel coverage and worldwide emergency travel coverage).

• Non-medical health care expenses. Do you wear glasses or hearing aids? Do you want dental coverage? If so, look for plans that offer options for benefits like these.

I like UCare for Seniors because it’s simple and easy. I can just go to the doctor and present my card, there’s not a lot of paperwork. I also appreciate UCare for Seniors’ network; when I broke my foot I was able to go to the hospital of my choice without a hassle.PAT St. Louis Park, MN, UCare Member

THINKING ABOUT PLANS Decision Helpers

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If you’re one of the 60,000 people in Minnesota turning 65 this year, welcome. And congratulations—you’re just getting started on one of the best times in your life! And, we might add, one of the best times in health care.

GHITA WORCESTER Senior VP, UCare

See a welcome video from UCare Senior Vice President Ghita Worcester

Original Medicare has a lot going for it—for example, no health screenings are required, and it’s easy to qualify!

However, Medicare covers only about half of the health care expenses associated with hospitalizations, doctor visits, specialist care, and medical services and supplies.

There are other expenses Medicare isn’t designed to cover, and you’ll pay a monthly premium for Part B, at a minimum. You’ll also pay deductibles and copays with Medicare. So it’s not surprising that a whole universe of additional coverage options have been created by scores of companies to help you cover what Medicare doesn’t.

THERE’S A LOT TO LIKE ABOUT MEDICARE UCARE MAKES MEDICARE SIMPLER

At UCare, we’ve always been “member-centric,” and that includes potential members—so we work hard to make both learning about and using Medicare as hassle-free as possible.

UCare for Seniors plans are Medicare Advantage plans, which means they combine

your Medicare Part A and Part B coverage—and more great benefits—into one simple package. We administer Medicare benefits for Medicare, so there’s only one company to deal with, and minimal paperwork once you’ve enrolled. And members can always talk with a real person if you have a question, 24 hours a day, 365 days a year.

WE’VE BEEN

EXPECTING YOU.

BOOM ON Hello, Boomer

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Snapshot:

19651965 was a turning point in the middle of a turbulent decade: the civil rights movement was in full swing, and the Vietnam War was escalating. Race riots broke out in Watts. The first commercial communications satellite, Early Bird, was launched. In July, President Lyndon B. Johnson enacted Medicare. Superballs and skateboards were the toys of the moment. In music, the Supremes reigned, the Beatles called for Help and Petula Clark went Downtown. Gas was 24¢ a gallon, and bread was 21¢ a loaf. The average U.S. income was $6,450, and the average price of a home was $13,600!

This year, over 60,000 Minnesotans are turning 65. From our vantage point, you’re the ‘youngest’ 65-year-olds ever: more active, more mobile and more tech-savvy than previous generations by far.

And while you’re here because you’ve got questions about your changing health care, we happen to know you’re pretty good at adapting to change. After all, you’ve made the leap from transistor radios to iPods, manual typewriters to laptops, vinyl records to digital music files, and on and on.

BOOMERS ARE SAVVY HEALTH CARE CONSUMERSUCare designs health plans that continually adapt to new terrain as well. We’re on top of the features and benefits you want to see in your health plan—including travel coverage, eyewear, fitness, dental and more. All bundled with Medicare benefits for complete health coverage from one company—UCare—that’s focused on you.

Find plan details on pages 12-19.

Plans with Boomers in Mind.

Enjoy a few moments of 1965 TV!

BOOM ON Hello, Boomer

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Medicare plans follow lots of rules, including specific time periods when you can enroll in or change plans. Be sure to understand these rules; late sign-up sometimes incurs financial penalties.

INITIAL ENROLLMENT Baby Boomers who are just turning 65 and eligible for Part A and/or Part B can sign up during a 7-month Initial Enrollment Period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. For example, if you turn 65 in July in a given year, you can request materials and enroll anytime between April 1 and October 31 of the same year.

ANNUAL ELECTION PERIOD Medicare’s Annual Election Period (AEP) is the time of year in which you can join, switch or drop Medicare plans. The Annual Election Period begins October 15 and ends on December 7 each year, with coverage beginning on January 1 of the coming year.

Enroll in UCare for Seniors now.

Enroll in EssentiaCare now.

Medicare beneficiaries may also enroll in UCare for Seniors through the CMS Medicare Online Enrollment Center.

Lots of people aren’t retiring at 65 anymore. If you or your spouse are still working beyond your 65th birthday, and your employer offers group coverage, you may choose to waive Medicare Part B to avoid paying the premium, but pick it up at a later date without penalty.

From the date your (or your spouse’s) active employment ends, or your group coverage ends—whichever happens first—you have eight months to enroll in Medicare Part B.

Have more questions? Talk with your employer’s benefits administrator, or call UCare at 1-877-523-1518.

Before I retired I worked in the benefits department at Target, so I’m familiar with how complex health plan information can be. I attended a UCare for Seniors meeting and was impressed with how the UCare team was able to make complicated Medicare information easy to understand.JANET New Brighton, MN, UCare Member

Staying EmployedWILL MEDICARE BE THERE?

TIMING IS

EVERYTHING

BOOM ON When to Sign UpBOOM ON Working and Medicare

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WELLNESS MATTERS Staying healthy and happy is easier when you have a support system. UCare for Seniors offers many programs to help you take charge of—and enjoy—a healthier life, including the Healthways SilverSneakers FLEXTM program for exercise options outside of the gym. FLEX offers classes and activities in local neighborhood parks, recreation centers, shopping centers and even at the beach.

For more information about SilverSneakers benefits, and a list of the more than 400 participating health club locations in Minnesota and 13,000 locations nationwide, visit SilverSneakers.

MOVINGKEEP

FIND OUT MORE ABOUT OUR FITNESS OPTIONS.

UCARE OFFERS ITS MEMBERS SOME OF THE BEST FITNESS COVERAGE ANYWHEREStaying active will help you improve your energy level, maintain physical and mental wellbeing and live your best life. UCare for Seniors members also enjoy free SilverSneakers® health club memberships or member savings at hundreds of area health clubs.®

Midway YMCA, St Paul

Additional wellness programs include:

• Incentive rewards for mammograms

• Quit-smoking program

• EPIC Hearing Health Care Network discounts on hearing devices

ACTIVE LIVING Keep Moving: Fitness Matters

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Q: HOW IS UCARE FOR SENIORS DIFFERENT FROM A MEDICARE SUPPLEMENT OR “MEDIGAP” PLAN?

A: With a Medicare supplement, the bill you receive from your provider is first sent to Medicare for payment. Medicare pays according to their schedule of coverage, and then the supplemental plan pays after that.

In contrast, UCare for Seniors is a Medicare Advantage plan that contracts with Medicare to administer Part A and Part B along with additional UCare for Seniors benefits in one coordinated package. This means you won’t have to deal with Medicare’s copays and deductibles, only the copays with our plan. Aside from filling out the enrollment form, paperwork is minimal.

Q: DOES UCARE FOR SENIORS INCLUDE PRESCRIPTION DRUG COVERAGE?A: Our Prime, Essentials Rx, Value Plus and Classic plans include prescription drug coverage. (Prime,

Value Plus and Classic plans are only available in certain counties.) Copays and/or coinsurance apply. See individual plan descriptions for complete details.

Q: DOES UCARE FOR SENIORS PROVIDE TRAVEL COVERAGE?A: UCare for Seniors provides coverage for members who travel outside our service area, including

worldwide emergency care and out-of-network non-emergency coverage at Medicare providers within the U.S., no referral needed.

Common

MEDICARE FAQS

Q: CAN I SEE MY SAME DOCTOR?A: It may depend on the plan you choose—basic Medicare, a Medicare Advantage plan like UCare for

Seniors, or a Medicare supplement. UCare for Seniors has an expanding network of 7,120 primary care doctors and 17,764 specialists, so there’s a good chance your provider is in our network. Of course, you’re free to see providers outside our network too, but your benefits will go further if you stay in network. Find out here.

Q: WHAT IF I WANT TO SWITCH DOCTORS?A: You can switch doctors at any time within our provider network.

Q: CAN I SEE ANY SPECIALIST I WANT?A: You can see any of over 17,764 specialists in our network at any time without a referral.

Q: DOES MEDICARE PAY FOR GLASSES AND OPTICAL TESTS? WHAT ABOUT HEARING AIDS?

A: Medicare does not cover these kinds of health care costs. You’ll need to choose a Medicare Advantage plan like the UCare for Seniors Classic plan (available only in certain counties) or certain other supplemental insurance plans for benefits like these.

Q: DOES MEDICARE PAY FOR DENTAL CARE?A: Medicare does not cover you for dental care, but most UCare for Seniors plans include preventive

dental coverage. Additional dental coverage can also be purchased.

Find out if your care provider is in our network.

QUESTIONS Common Medicare FAQs

VISIT UCarePlans.org to access rates, plan details, and more.

CALL 1-877-523-1518 (toll free) TTY 1-800-688-2534 8 a.m. to 8 p.m. daily.

DOWNLOAD A COMPLETE GUIDE OF PRODUCTS, PRICES AND BENEFITS

HERE.

UCare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 612-676-6500/1-866-457-7144 (TTY: 612-676-6810/1-800-688-2534). LUS CEEV: Yog tias koj hais lus Hmoob, cov kev pab txog lus, muaj kev pab dawb rau koj. Hu rau 612-676-6500/1-866-457-7144 (TTY: 612-676-6810/1-800-688-2534).You must continue to pay your Medicare Part B premium. Limitations, copayments, and restrictions may apply. This information is not a complete description of benefits. Contact the plan for more information. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year. The pharmacy network and/or provider network may change at any time. You will receive notice when necessary. UCare for Seniors is an HMO plan with a Medicare contract. Enrollment in UCare for Seniors depends on contract renewal. EssentiaCare is a PPO plan with a Medicare contract. Enrollment in EssentiaCare depends on contract renewal.

UCare® and Health care that starts with you®. are registered service marks of UCare Minnesota. Y0120_B_092916 CMS Accepted (10032016)

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