2023 Summary of Benefits - UCare Medicare with M Health Fairview & North Memorial Plans Comparison Guide - UCare Medicare with M Health ...

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2023 Summary of Benefits - UCare Medicare with M Health Fairview & North Memorial Plans Comparison Guide - UCare Medicare with M Health ...
Carla
                   UCare figure-outer

                                  Dani Fitterer, PA-C
                                             Primary Care,
                                        M Health Fairview
                                         Eden Prairie Clinic

2023 Summary of Benefits
UCare Medicare with M Health Fairview & North Memorial
Plans Comparison Guide
Medicare Advantage — Metro
2023 Summary of Benefits - UCare Medicare with M Health Fairview & North Memorial Plans Comparison Guide - UCare Medicare with M Health ...
your shopping

                checklist                                                                              Why UCare with M Health Fairview
                                                                                                       & North Memorial Health?
                    enroll in Original Medicare                                                        Medicare can feel overwhelming when you’re trying to
                                                                                                       figure it out on your own. Our team of de-complicators
                    select the plan that fits your lifestyle                                           can make it easier.
                    enroll in a UCare Medicare Advantage plan                                          We’re the figure-outers who can tell you what you need
                                                                                                       to know about Medicare and help you pick a plan that’s
                                                                                                       right for you.
                                                                                                       UCare, M Health Fairview and North Memorial Health
                                                                                                       formed a special partnership to offer this network-based
                                                                                                       Medicare Advantage plan. You’ll receive high-quality care
                        3 ways to
                            enroll
                                                                                                       from providers you know and trust — and pay less for
                                                                                                       care when you use in-network providers.
                                                                                                       UCare Medicare with M Health Fairview & North
                                                                                                       Memorial Health gives you peace of mind with coverage
                                                                                                       that protects your health and your wallet.

    online                     by mail                   phone
ucare.org/medicare123       fill out the enrollment   call 1-877-671-1064
                            form and mail it in the   to enroll with a
fast and easy
                            postage-paid envelope     licensed Medicare
                                                      Sales Specialist       This booklet gives you a summary of what we cover and what you pay. It doesn’t list every service that we
secure data transfer                                                         cover or list every limitation or exclusion. Some services require prior authorization. To get a complete list
                                                      call a trusted UCare   of services we cover, call us and ask for the Evidence of Coverage.
save enrollment to finish
                                                      broker near you        This information is not a complete description of benefits. Call 1-877-671-1064 (TTY users call
at later time
                                                                             1-800-688-2534) for more information.
                                                                             UCare Health, Inc. is an HMO-POS plan with a Medicare contract. Enrollment in UCare Health depends on
                                                                             contract renewal.
                                                                                                                                         ucare.org/medicare123 or call 1-877-671-1064         1
2023 Summary of Benefits - UCare Medicare with M Health Fairview & North Memorial Plans Comparison Guide - UCare Medicare with M Health ...
Understanding the four parts of Medicare

                         ABC      &D
                                                                                                   Original Medicare is made up of two parts — Part A and Part B
                                                                                                            Part A — hospital coverage
            the                                                                                             Medicare Part A helps pay for inpatient hospital and skilled nursing facility stays, hospice
                                                                                                            care and home health care.

                         of Medicare                                                                        Part B — medical coverage
                                                                                                            Medicare Part B helps pay for a wide range of medical expenses including doctor visits,
                                                                                                            many preventive screenings, lab tests, X-rays, outpatient procedures, mental health
                                                                                                            services, durable medical equipment and more.

                         Confused about Medicare? Our team
                         of de-complicators is at your service to
                         answer your toughest questions. We                                                                                       Part C — Medicare Advantage plan
                                                                                                                                                  Think of Part C (Medicare Advantage plan) as
                         help you navigate so you can choose                                                                                      a package.

                                                                                                                                                  It combines Part A with Part B, then may add
                         the health plan that’s right for you.                                                                                    special benefits that Medicare does not cover, such
                                                                                                                                                  as vision and dental care. Many packages even
                                                                                                                                                  include Part D prescription drug coverage.
                                                                                                              Additional coverage
                                                                                                                  and services                    Discover the all-in-one convenience of a Medicare
                                                                                                       prescription eyewear, hearing aids,        Advantage plan. Get all your health benefits in one
                                                                                                            dental, health & wellness             package and find peace of mind in protecting your
                                                                                                                                                  health and managing your out-of-pocket costs.

                                                                                                              Medicare
                                                                                                            Advantage plan

                                                                                                            Part D — outpatient prescription drug coverage
                                                                                                            Part D is available to anyone enrolled in          Medicare. Keep in mind that if you decline it,
                                                                                                            either Medicare Part A or Part B. Part D can       but decide you want this coverage later, you
                                                                                                            be purchased through two types of health           may have to pay a penalty.
                                                                                                            plans: Medicare Advantage plans that include
                                                                                                            Part D or stand-alone prescription drug plans.     Most Part D plans have a monthly premium,
                                                                                                                                                               and benefits and drug costs that vary by plan.
If you want to know more about the coverage and costs of Original Medicare, look in your current            You must choose whether or not to enroll           Each health plan publishes a list of covered
Medicare & You handbook. View online at medicare.gov or get a copy by calling 1-800-MEDICARE                in Part D when you first become eligible for       drugs called a formulary.
(1-800-633-4227), 24 hours a day, seven days a week. TTY users call 1-877-486-2048.
2                                                                                                                                                          ucare.org/medicare123 or call 1-877-671-1064         3
2023 Summary of Benefits - UCare Medicare with M Health Fairview & North Memorial Plans Comparison Guide - UCare Medicare with M Health ...
When am I eligible for Original Medicare?                                                                When can I make changes to my Medicare coverage?
    You qualify for Medicare if you:
                                                                                                             Annual Election Period (AEP)
    • Are 65 or older or meet special criteria
                                                                                                             Every year between October 15 and December 7, you can make
    • Worked for at least 10 years and paid Medicare taxes (or your spouse did)                              a plan change to be effective on January 1 of the following year.
    • Are a citizen and permanent resident of the United States                                              This change may include adding or dropping Medicare Part D.             Oct 15 – Dec 7       Jan 1

                                                                                                             Note: Medicare Advantage plans release their rates and benefits        Annual Election     Coverage
    How do I enroll in Original Medicare?                                                                    for the following year on October 1.                                      Period            begins
    You may apply online at ssa.gov/medicare, via telephone appointment at 1-800-772-1213
    (TTY users call 1-800-325-0778), or in person at a local Social Security office.                         Special Enrollment Periods (SEPs)
                                                                                                             You may qualify for a Special Enrollment Period at any point during the year if you:

    When can I enroll in a Medicare Advantage plan?                                                          • Are leaving or losing coverage through an employer or union (including COBRA)
                                                                                                             • Move to an area where your current plan isn’t offered
    Medicare has limits to when and how often you can change your Medicare Advantage plan. These
    specific time frames, called “election periods,” determine when you can enroll in or leave a Medicare    • Are on Medical Assistance or no longer qualify for Medical Assistance
    Advantage plan.                                                                                          • Receive Extra Help for Medicare Part D
                                                                                                             • Are losing your current coverage or your plan is no longer offered
    Initial Coverage Election Period (ICEP)
    When you become eligible for Medicare (either by age or disability), you may enroll in Original          Medicare Advantage Open Enrollment Period (MA-OEP)
    Medicare and a Medicare Advantage plan during your Initial Coverage Election Period (ICEP). When         During the MA-OEP, Medicare Advantage members may enroll in another Medicare Advantage plan
    you enroll during the ICEP, the soonest Medicare allows us to accept your enrollment application is      or disenroll from their Medicare Advantage plan and return to Original Medicare (limited to one
    three months before you become eligible.                                                                 change). This period runs from January 1 through March 31 or if you are newly enrolled in Medicare,
    If you have had Part A and are just applying for Part B, the ICEP is limited to the three months prior   within your first three months of enrollment.
    to your enrollment in Part B.

                                            Enroll when first eligible

      You have a seven‑month period (three months before you turn 65, the month you turn 65, and
      three months after your birthday month).

                     Example
                 birthday is July 4              Apr   May     Jun       July   Aug   Sept   Oct

                                                 3 months before                  3 months after

                  Late enrollment penalties
                  If you don’t sign up for Part B and Part D when you first become eligible, Medicare
                  may apply a penalty if you decide to sign up later. You’ll pay the penalty for as
                  long as you have Part B and Part D coverage. Some exceptions apply.

4                                                                                                                                                                      ucare.org/medicare123 or call 1-877-671-1064   5
2023 Summary of Benefits - UCare Medicare with M Health Fairview & North Memorial Plans Comparison Guide - UCare Medicare with M Health ...
Why choose
    Medicare Advantage?
    UCare Medicare Advantage plans with M Health Fairview and
    North Memorial Health offer all-in-one convenience, with
    medical and Medicare Part D prescription drug coverage in
    one simple plan. And you’ll get extras like dental, prescription
    eyewear, hearing aids, and fitness benefits.

    Get the benefits and coverage you need
    Network — all M Health Fairview and North Memorial
    Health doctors, clinics and hospitals, as well as other
    independent providers
    Choice — plans and premiums to fit your needs,
    lifestyle and budget
    Customer service — local and easy to reach
    Convenience — medical and Medicare Part D
    prescription drug coverage in one plan
    Lots of extras — dental, prescription eyewear, hearing aids
    and fitness benefits
    Online care — 24/7 diagnosis and treatment from an
    M Health Fairview or North Memorial Health provider

    prescription drug      dental coverage          over-the-counter
        coverage                                         benefit

     fitness options        caregiver and         prescription eyewear
                           wellness support         and hearing aids

6                          ucare.org/medicare123 or call 1-877-671-1064   7
Picture yourself in one of our plans
                     UCare partners up
                     for your health
                     You can make the most of your health care dollar and access         Choose from two plans:
                     every type of care you may need with our M Health Fairview and      • Care Wise:                                Cindy                                  Robert
                     North Memorial Health plans. In addition to the high-quality care     M Health Fairview                Cindy likes that her primary            Robert is in good health and
                     you’ll get from M Health Fairview and North Memorial Health,                                            care doctor is in her plan’s          wants an affordable plan that
                                                                                           & North Memorial
                                                                                                                          provider network. She is willing           covers all the care he might
                     you can also see specialists at the University of Minnesota and       (HMO-POS)*                      to pay a little more when she         need. He likes that specialists are
                     many popular independent providers. And you’ll never need a         • Care Core:                    gets care. With Care Wise, she        included in the Care Core network,
                     referral to see a specialist.                                         M Health Fairview              gets great value, a $0 monthly        and that he won’t have a copay for
                                                                                                                            premium and $19 refund on             visits to his primary care doctor.
                                                                                           & North Memorial                     her Part B premium.               The dental coverage and online
                     You’ll get the same great coverage at many out-of-state providers     (HMO-POS)*                                                                 care options are a bonus.
                     with our expanded MultiPlan national network. You also get
                     out‑of‑network coverage with any provider that accepts Medicare                                               Care Wise                               Care Core
                     but you may pay more. To find a doctor in the plan network or
                                                                                          Plan premium
                     see if your prescriptions are on our list of covered drugs, go to    (you must continue to                        $0                                     $42
                     ucare.org/medicare123 and choose “Medicare with M Health             pay your Part B premium)
                     Fairview & North Memorial Health” under “Pick your plan.”
                                                                                          Medical and hospital
                                                                                                                                                                              
                                                more than                   4,350
                                                                                          Fitness programs
                                                                                                                                                                              
                                                 650                          total
                                                                            providers
                                                                                          Dental
                                                                                                                                                                              
                                                   clinics
                                                                  12
                                                                hospitals
                                                                                          Prescription eyewear
                                                                                          and hearing aids                                                                    
                                                                                          Over-the-counter
                                                                                          benefit                                                                             
                                   metro counties                                         Medicare Part D

                                   Anoka, Chisago, Dakota, Hennepin,
                                                                                          prescription drug
                                                                                          coverage
                                                                                                                                                                              
                                   Isanti, Ramsey, Washington
                                                                                          Coverage when traveling
                                                                                                                                                                              
    For information about plans available in other counties, call us at                   Maximum out-of-pocket                     $5,800                                  $5,500
    1-877-671-1064 (TTY users call 1-800-688-2534),
    8 am – 8 pm, seven days a week (Oct. 1 – March 31),                                  *HMO-POS:   Health Maintenance Organization with a Point‑of-Service contract
    8 am – 8 pm, Monday – Friday (April 1 – Sept. 30).

8                                                                                                                                                  ucare.org/medicare123 or call 1-877-671-1064        9
Prescription drug coverage
                                                                                                             Refer to the chart on page 22 for more information on these benefits.

                                                                                               Find a drug
                                                                                               Search our List of Covered Drugs (formulary) at ucare.org/medicare123, click on
                                                                                               “Learn more” under “Find a doctor or drug” and open the Drug List tab.
                                                                                               If you prefer, use the printed 2023 List of Covered Drugs provided. Check the
                                                                                               alphabetical index in the back to find your drugs.

                   Fitness options                                                             Find a pharmacy
                                                                                               Fill your prescriptions at one of more than 22,000 preferred and 42,000 standard
                                                                                               pharmacies in our plan network.
     One Pass fitness program                                                                  You’ll save more when you use preferred pharmacies:
     One Pass is a fitness program for your body and mind, available to you at no              • Preferred retail pharmacies include Fairview, North Memorial Health, CVS/Target,
     additional cost. You’ll have access to more than 23,000 participating fitness locations     Coborn’s, Costco, Cub Foods, Sam’s Club/Walmart and Hy-Vee
     nationwide, plus:                                                                         • Express Scripts preferred mail order pharmacy provides a 90-day supply for
     • More than 32,000 on-demand and live-streaming fitness classes                             two copays
     • Workout builders to create your own workouts                                            You can also fill your prescriptions at standard cost-share pharmacies nationwide,
     • A home fitness kit available to members who are physically unable to visit or          including Walgreens.
       who reside at least 15 miles outside a participating fitness location
                                                                                               Search for a full list of preferred pharmacies at ucare.org/medicare123, click on
     • Personalized, online brain training program to help improve memory, attention          “Learn more” under “Find a doctor or drug” and open the Pharmacies tab.
       and focus
                                                                                               If you prefer, call for help or request a Provider and Pharmacy Directory
     • More than 30,000 social activities, community classes, and events available for        at 1-877-671-1064.
       online or in-person participation
     • Find participating locations near you at ucare.org/onepass or call 1-877-504-6830
       (TTY 711), 8 am – 9 pm, Monday – Friday                                                   Low copays on select formulary insulins
                                                                                                 You won’t pay more than $35 for a one-month supply of each insulin product
     Health Club Savings
                                                                                                 covered by our plan, no matter what cost-sharing tier it’s on even if you haven’t
     Join a class, work with weights, swim some laps, or try something new.                      paid your deductible.
     Health Club Savings offers the variety you want and the flexibility you
     deserve. If you belong to a participating health club that is not in the
     One Pass network, you can receive a reimbursement of up to $30 in
     your monthly health club membership fees.
     How it works
     Bring your UCare member ID card to your health club to sign up. To see a full list of
     participating health clubs, visit ucare.org/fitness.
10                                                                                                                                               ucare.org/medicare123 or call 1-877-671-1064   11
Over-the-counter benefit
                   Refer to the chart on page 21 for more information on these benefits.

     Our plans help you save money in lots of ways, including an over-the-counter (OTC)
     benefit through Healthy Savings®. You’ll receive an allowance to use twice a year.
     Dollars you don’t use will expire on June 30 and Dec. 31. You cannot redeem your
     allowance for cash. Eligible items include cough drops, first aid supplies, pain relief,
     sinus medications, toothpaste, and much more. Find participating locations, browse
     eligible items, and learn more at healthysavings.com/ucare.

                                          Participating stores include:
          Use your
                                          • Walmart                      • Hornbachers
           Healthy                        • Cub                          • Hy-Vee

         Savings OTC                      • Coborn’s                     • Kowalski’s
                                          • CVS (not applicable         • Lunds & Byerlys
           benefit                          to CVS in Target)            • Super One Foods

                   Prescription eyewear                                                                       Dental coverage
                   Refer to the chart on page 20 for more information on these benefits.                      Refer to the chart on page 19 for more information on these benefits.

     Our plans include a vision benefit with a $100 allowance for prescription glasses          Both plans include dental coverage. You can make the most of your dental benefits
     or contact lenses.                                                                         when you see providers in the Delta Dental National Medicare Advantage network.
                                                                                                You may pay more for services if you see a provider outside this network.
                                                                                                To find a dentist in the network, go to deltadentalmn.org/find-a-dentist and select
                                                                                                “I want to see if a dentist is in-network” or “I’m looking for a new dentist” if you don’t
                   Hearing aids                                                                 have one.
                   Refer to the chart on page 19 for more information on these benefits.

     Members enjoy a deep discount on high-quality hearing aids through TruHearing.®
     Choose from a variety of premium and standard hearing aids. All hearing aids include
     a 3-year warranty and up to one year of follow-up visits. Premium models include the
     option of a rechargeable battery.

12                                                                                                                                                 ucare.org/medicare123 or call 1-877-671-1064   13
Caregiver Assurance program
                                                                                                           Refer to the chart on page 21 for more information on these benefits.

                                                                                             Caregiver support is just a phone call away with M Health Fairview’s Caregiver
                                                                                             Assurance™ program. A dedicated Caregiver Advisor provides guidance, resources
                                                                                             and service referrals to help ease the stress that caregivers may experience. Caregiver
                                                                                             Advisors are licensed social workers with training and experience in caregiving and
                                                                                             aging. You or your caregiver will receive guidance tailored to your situation and needs.

                                                                                                           UCare Wellness Advisor program
                                                                                                           Refer to the chart on page 21 for more information on these benefits.

                                                                                             In partnership with M Health Fairview, the UCare Wellness Advisor program provides
                                                                                             members with a dedicated well-being expert who offers support, counseling and
                                                                                             resources to help manage your emotional wellness and improve your overall health.
                                                                                             Help is just a call away and conversations are completely confidential.
                   Community education discount

     Get up to a $15 discount on most Minnesota community education classes. Check
     your local community education catalog or contact the local school district for class
                                                                                                           Care by phone or online
     times and locations. Limit of three discounts in a calendar year (one discount per                    Refer to the chart on page 18 for more information on these benefits.
     class enrollment).
                                                                                             Telehealth visits are included for Medicare-approved services. E-visits through
                                                                                             M Health Fairview MyChart (online evaluation and diagnosis) are covered for
                                                                                             some conditions.

14                                                                                                                                             ucare.org/medicare123 or call 1-877-671-1064   15
Enrollment
Choose a clinic
Select a primary care clinic from the Primary

                                                      3 ways to                           Plan benefit details
Care Clinic Listing found in your plan information

                                                        enroll
kit. Within this clinic, you may see any doctor.
You may see any specialist in our network
without a referral.
                                                                                          TABLE OF CONTENTS
Forms by mail
We must receive your enrollment application
by (not postmarked by) the end of the month                                               Monthly Plan Premium. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 18
prior to when you want coverage to start (except
during the Annual Election Period — must be                     ucare.org/medicare123
                                                                                          Maximum Out-of-pocket . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 18
received by 12/7 for a 1/1 effective date).
                                                                fast and easy
Once we receive your enrollment                                                           Hospital Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 18
                                                                secure data transfer
application, you:
• may receive a call from us if any required
                                                      online    save enrollment to        Doctor Visits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 18
  information is missing from the enrollment form               finish at later time
                                                                                          Preventive Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 18
• get a letter within 15 days to verify
  your enrollment
                                                                                          Diagnostic Tests, Radiation Therapy, X-rays,
• may receive a letter from us if you did not
  have a Medicare Part D plan from the date                                                   and Lab Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 19
  you were first eligible                                       fill out the enrollment
• may receive a letter from us if you are leaving              form and mail it in the   Hearing Aids. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 19
  an employer group plan to join our plan                       postage-paid envelope
• will get a new member packet
• will get a UCare member identification card that
                                                      by mail                             Dental Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 19

  you can begin using on your effective date                                              Vision Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 20

Should you require medical services or
                                                                                          Mental Health Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 20
prescription drugs before you receive your
ID card, please call Customer Service at                        call 1-877-671-1064
1-888-618-2595 (TTY users call 1-800-688-2534).                                           Skilled Nursing Facility Care. . . . . . . . . . . . . . . . . . . . . . . . . . .  page 20
                                                                to enroll with a
                                                                licensed Medicare
How to pay your premiums                                        Sales Specialist
                                                                                          Other Services: Includes Physical Therapy,
You can choose to pay your monthly premium:
• by check
                                                      phone     call a trusted UCare
                                                                                              Ambulance, Chiropractic and More. . . . . . . . . . . . . . . .  page 20

• automatic payment/Electronic Funds
                                                                broker near you           Coverage When Traveling. . . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 21
  Transfer (EFT)
• Social Security or Railroad Retirement                                                 Medicare Part D Coverage. . . . . . . . . . . . . . . . . . . . . . . . . . . .  page 22
  Board withdrawal
• online at member.ucare.org
Please do not send payment with your
enrollment form.

16                                                                                                                                              ucare.org/medicare123 or call 1-877-671-1064      17
Care Wise                        Care Core                                                                         Care Wise                    Care Core
2023 monthly plan premium (you must                  $0                               $42                         Emergency / Urgent Care ­— network does not apply
continue to pay your Medicare Part B premium)
                                                                                                                  Emergency care                                        $100 copay                   $100 copay
Medicare Part B premium reduction                    $19                              $0
                                                                                                                  Urgently needed services                              $45 copay                    $45 copay
Medical deductible                                   $0                               $0
                                                                                                                  Diagnostic Tests, Radiation Therapy, X-rays and Lab Services
Medicare Part D deductible                           Tier 1 = $0                      Tiers 1 & 2 = $0
                                                     Tiers 2 – 5 = $480               Tiers 3 – 5 = $395          Diagnostic tests (e.g., MRI and CT scans),            20% coinsurance              10% coinsurance up to a
                                                                                                                  radiation therapy and X‑rays                                                       maximum of $150 per day
Maximum out-of-pocket                                $5,800; then 100% covered        $5,500; then 100% covered
The most you will pay out‑of‑pocket for                                                                           Lab services (e.g., Protime INR, cholesterol)         In-network $0 copay          In-network $0 copay
in-network Medicare-covered services each                                                                                                                               Out-of-network $0 copay      Out-of-network $0 copay
year. Excludes Medicare Part D and all other
non‑Medicare covered services and premium.                                                                        Hearing Services
This is not a deductible.
                                                                                                                  Diagnostic hearing exam                               $50 copay                    $40 copay
Hospital Care
                                                                                                                  Annual routine hearing exam, hearing aid              In-network $0 copay        In-network $0 copay
Inpatient hospital care (per admission)              $350 copay per day (days         $250 copay per day (days
                                                     1 – 5); then 100% covered        1 – 5); then 100% covered   fitting and evaluation through TruHearing             Out-of-network Not covered Out-of-network Not covered
                                                                                                                  (three per year)
Outpatient hospital or procedure                     $395 copay                       $250 copay
                                                                                                                  TruHearing aids in both Advanced and                  $699 copay for Advanced      $699 copay for Advanced
Ambulatory surgery center                            $395 copay                       $250 copay                  Premium models (two different copay
                                                                                                                  amounts; two aids per year)                           $999 copay for Premium       $999 copay for Premium
Doctor Visits — in person or telehealth for Medicare-approved services
                                                                                                                  Dental Coverage — included at no additional cost
Primary                                              $0 copay                         $0 copay
                                                                                                                  Deductible                                            $0                           $100 per year (does not
Specialist                                           $45 copay                        $40 copay
                                                                                                                                                                                                     apply to preventive
E-visits through M Health Fairview MyChart           $0 copay                         $0 copay                                                                                                       services or periodontal
                                                                                                                                                                                                     maintenance cleanings)
Preventive Care
                                                                                                                  Annual plan maximum                                   $300                         $2,000
Routine physical exam                                In-network $0 copay        In-network $0 copay
                                                     Out-of-network Not covered Out-of-network Not covered
                                                                                                                  Oral examinations                                     Covered up to $300           Two per year
For the next four rows, the $0 copay applies in-network and out-of-network for both plans.                                                                              allowance limit
                                                                                                                  Routine cleanings                                                                  Two per year
“Welcome to Medicare” preventive visit               $0 copay                         $0 copay
(if in the first 12 months on Part B)                                                                             X‑rays                                                                             Annual bitewing and full
                                                                                                                                                                                                     mouth every 5 years
Annual Wellness Exam (if you’ve had Part B for       $0 copay                         $0 copay
more than 12 months)                                                                                              Fluoride treatment                                                                 Covered
Flu and pneumonia vaccines                           $0 copay                         $0 copay                    Periodontal maintenance cleanings                                                  Covered
Mammogram screening, prostate cancer                 $0 copay                         $0 copay
                                                                                                                  Basic restorative services (e.g., fillings, root                                   50% coinsurance
screening exam, bone mass measurement,
diabetes screening, preventive colorectal                                                                         canals, periodontal services)
cancer screening
                                                                                                                  Major restorative procedures (e.g., crowns,                                        70% coinsurance
In general, out-of-network cost-sharing in the U.S. is 25%; cost-sharing is the same both in and out-of-network   bridges, implants, dentures)
for some services.
                                                                                                                  For dental limitations and exclusions, see page 26.
 18                                                                                                                                                                            ucare.org/medicare123 or call 1-877-671-1064     19
Care Wise                      Care Core                                                                      Care Wise                     Care Core
Vision Services                                                                                                Other Services continued
Diagnostic eye exam                                $50 copay                      $40 copay                    Acupuncture                                       Doctor visit copays apply     Doctor visit copays apply
                                                                                                                                                                 (see page 18)                 (see page 18)
Annual routine eye exam and up to two              In-network $0 copay        In-network $0 copay              Both plans cover acupuncture for chronic low
refractions per year                               Out-of-network Not covered Out-of-network Not covered       back pain, based on Medicare criteria

                                                                                                               Podiatry services                                 $45 copay                     $40 copay
Diabetic retinopathy exam                          $0 copay                       $0 copay
                                                                                                               Over-the-counter (OTC) benefit                    $75 allowance twice a year    $75 allowance twice a year
Prescription eyeglasses or contact lenses after    $0 copay                       $0 copay
cataract surgery                                                                                               Caregiver Assurance phone consultation            $0 copay                      $0 copay

Annual allowance for prescription eyeglasses       $100                           $100                         UCare Wellness Advisor                            $0 copay                      $0 copay
or contacts at your preferred eyewear retailer                                                                 Covers six 60-minute sessions annually

Mental Health Services                                                                                         Durable medical equipment^ (e.g., oxygen          In-network 20% coinsurance In-network 20% coinsurance
                                                                                                               equipment, CPAP)                                  Out-of-network Not covered Out-of-network Not covered
Inpatient hospital stay (90-day limit per stay)    $350 copay per day             $250 copay per day (days
Limited to 190 days in a lifetime in a             (days 1 – 5); then             1 – 5); then 100% covered    Prosthetic devices (e.g., braces, colostomy       20% coinsurance               20% coinsurance
psychiatric hospital                               100% covered                                                bags and supplies)

                                                                                                               Diabetic supplies
Outpatient mental health care                      $40 copay                      $40 copay
                                                                                                               • Continuous blood glucose monitors               20% coinsurance               20% coinsurance
Skilled Nursing Facility Care (or swing bed)^                                                                  • Other glucose monitors                          20% coinsurance               10% coinsurance
Care in a skilled nursing facility with            $0 copay per day for days      $0 copay per day for days    • Test strips and lancets                         20% coinsurance               10% coinsurance
no prior 3-day hospital stay required              1 – 20; $196 copay per         1 – 20; $196 copay per day   • Inserts and shoes                               20% coinsurance               10% coinsurance
                                                   day for days 21 – 100;         for days 21 – 100; per
                                                   per benefit period             benefit period               (Insulin and syringes covered under
                                                                                                               Medicare Part D)
Other Services
                                                                                                               Coverage When Traveling — In addition to the in-network coverage you get at UCare with M Health Fairview
Physical therapy                                   $40 copay per visit            $40 copay per visit          & North Memorial Health network providers and at out-of-state MultiPlan network providers, you’re also
                                                                                                               covered at other providers accepting Medicare, but you may pay more.
Ambulance (within the U.S. and its territories)    $300 copay                     $275 copay
                                                                                                               Care from any out-of-network provider             25% of the cost of services   25% of the cost of services
Includes air and/or ground                                                                                     that accepts Medicare

Transportation (non-emergency)                     Not covered                    Not covered                  Emergency care                                    $100 copay                    $100 copay

Medicare Part B Drugs^                             0 – 20% coinsurance            0 – 20% coinsurance          Urgently needed services                          $45 copay                     $45 copay

Generally, drugs that must be administered by                                                                  Ambulance (within the U.S. and its territories)   $300 copay                    $275 copay
a health professional                                                                                          Includes air and/or ground

Chiropractic services through ChiroCare            In-network $20 copay       In-network $20 copay             Worldwide Emergency Care (outside the U.S. and its territories)
network^                                           Out-of-network Not covered Out-of-network Not covered
                                                                                                               Emergency care including post-stabilization       $100 copay                    $100 copay
Manual manipulation of the spine to correct
subluxation                                                                                                    Ground ambulance to the nearest hospital for      $100 copay                    $100 copay
                                                                                                               emergency care
^Service requires prior authorization. Beginning April 1, 2023, certain drugs may have a lower coinsurance.
                                                                                                               Note: Only emergency coverage is worldwide. You may want to consider purchasing a separate travel policy
                                                                                                               while traveling outside the U.S. for services such as air ambulance.

 20                                                                                                                                                                      ucare.org/medicare123 or call 1-877-671-1064      21
Care Wise                       Care Core                                                                    Care Wise                     Care Core
Medicare Part D Coverage                                                                                        Coverage Gap

Cost Sharing for Deductible: You pay the full      Tier 1 = $0                     Tiers 1 & 2 = $0             Once you have reached $4,660 in annual          25% of the cost of generic    25% of the cost of generic
cost of your drugs until you reach this amount     Tiers 2 – 5 = $480              Tiers 3 – 5 = $395           prescription drug spending (your cost plus      and brand drugs               and brand drugs
                                                                                                                UCare’s cost), you pay as shown
Initial Coverage Phase: From $0 to $4,660 in annual prescription drug costs. After you meet the
deductible, you pay the amounts listed below                                                                    Catastrophic Coverage

Cost Sharing (Retail): Our network includes preferred pharmacies, which offer lower cost sharing than           Once you have reached $7,400 in annual          You pay                       You pay
standard network pharmacies                                                                                     prescription drug spending (excluding UCare’s   The greater of $4.15 or       The greater of $4.15 or
                                                                                                                cost), you pay as shown                         5% coinsurance for            5% coinsurance for
Tier 1                                             Retail — 30-day supply          Retail — 30-day supply                                                       generic drugs                 generic drugs
Preferred generic drugs                            Preferred: $3 copay             Preferred: $3 copay
                                                   Standard: $12 copay             Standard: $12 copay                                                          The greater of $10.35 or      The greater of $10.35 or
                                                                                                                                                                5% coinsurance for all        5% coinsurance for all
Tier 2                                             Retail — 30-day supply          Retail — 30-day supply                                                       other drugs                   other drugs
Generic drugs                                      Preferred: $15 copay            Preferred: $15 copay
                                                   Standard: $20 copay             Standard: $20 copay

Tier 3                                             Retail — 30-day supply          Retail — 30-day supply
Preferred brand drugs                              Preferred: 17% coinsurance      Preferred: $47 copay                           Preferred Pharmacies                             Standard Pharmacies
                                                   Standard: 25% coinsurance       Standard: $47 copay                            More savings — Pay less for your                 More choice — Fill your
Select insulin
Preferred: $30 copay                                                                                                              drugs at more than 22,000 pharmacies,            prescriptions at more than 42,000
Standard: $35 copay                                                                                                               including Fairview, North Memorial Health,       standard cost-share pharmacies
                                                                                                                                  CVS/Target, Coborn’s, Costco, Cub Foods,         nationwide, including Walgreen’s
Tier 4                                             Retail — 30-day supply          Retail — 30-day supply                         Sam’s Club/Walmart and Hy-Vee
Non-preferred drugs                                Preferred: 50% coinsurance      Preferred: 50% of the cost
                                                   Standard: 50% coinsurance       Standard: 50% of the cost                      Search for a full list of preferred pharmacies at ucare.org/medicare123, click
Tier 5                                             Retail — 30-day supply          Retail — 30-day supply                         on “Learn more” under “Find a doctor or drug” and open the Pharmacies tab.
Specialty drugs                                    Preferred: 25% coinsurance      Preferred: 26% of the cost                     If you prefer, call for help or request a Provider and Pharmacy Directory
                                                   Standard: 25% coinsurance       Standard: 26% of the cost
                                                                                                                                  at 1-877-671-1064.
Cost-sharing may differ based on pharmacy type or status (mail-order, retail, long-term care (LTC), home
infusion), whether the pharmacy is in our preferred or standard network or whether the prescription is a
30-, 60-, or 90-day supply.
Additional requirements or limits on covered drugs — Some covered drugs may have additional
requirements or limits on coverage. These may include: Prior Authorization (PA), Quantity Limits (QL), or                                       You may be able to get Extra Help to help pay for your prescription
Step Therapy (ST). Visit ucare.org/medicare123 to find out if your drug has any additional requirements                                         drug premium and costs.
or limits. You can also ask us to make an exception to these restrictions or limits. Details on how to make
these requests are in the formulary and in the Evidence of Coverage.
                                                                                                                    Extra                       To see if you qualify, call:

                                                                                                                    Help for                    • 1-800-MEDICARE (TTY users call 1-877-486-2048), 24/7
                                                                                                                                                • Social Security Administration at 1-800-772-1213 (TTY users call

                       Part D vaccines
                                                                                                                    Medicare                      1-800-325-0778), 7 am – 7 pm, Monday – Friday
                                                                                                                                                • Your State Medicaid Office or County Human Services Office
                       Our plans cover most Part D vaccines at no cost to you, even if you                          Part D                      • Senior LinkAge Line at 1-800-333-2433
                       haven’t paid your deductible. This includes the two-part shingles                                                        Some people will pay a higher premium for Medicare Part D
                       vaccine (SHINGRIX).                                                                                                      coverage because their yearly income is over certain amounts.

 22                                                                                                                                                                     ucare.org/medicare123 or call 1-877-671-1064       23
Additional information                                                                                            If we deny a request made by you or your doctor,
                                                                                                                  for medical services or pharmaceuticals, you or
                                                                                                                                                                            • Homemaker services include basic household
                                                                                                                                                                              assistance, including light housekeeping or light
Provider network coverage                               The Benefits Chart section of the Evidence of             your doctor may appeal our decision. When you               meal preparation
                                                        Coverage includes the information for each of our         file an appeal, you or your Doctor may submit             • Fees charged for care by your immediate relatives
While you are a member of our plan, you must use                                                                  additional documentation that is relevant to your
                                                        UCare Medicare Plans. This information is also at                                                                     or members of your household
network providers to get your medical care and                                                                    appeal. Appeal requests are reviewed against
                                                        ucare.org.                                                                                                          • Cosmetic surgery or procedures, unless covered
services covered at in-network cost-share levels.                                                                 current medical evidence and your benefit plan by
Exceptions to this include emergency care, urgent                                                                 physicians. If we deny your appeal, you will be given       in case of an accidental injury or for improvement of
care, out-of-area dialysis services, lab services,      Understanding utilization management                      information on how to file a second level appeal.           the functioning of a malformed body part. However,
Medicare-covered preventive screenings, and cases                                                                                                                             all stages of reconstruction are covered for a breast
                                                        Authorization and notification
in which the plan authorizes use of out-of-network                                                                Learn more                                                  after a mastectomy, as well as for the unaffected
                                                        One of the ways UCare makes sure you get excellent
providers. You can obtain certain covered services                                                                Go to ucare.org and click on “plan resources.”              breast to produce a symmetrical appearance.
                                                        care is by partnering with your doctors to review
from out-of-network providers at different                                                                        UCare members can also look up services in their          • Routine chiropractic care, other than manual
                                                        certain types of services and procedures. We want
cost-share levels.                                                                                                Evidence of Coverage and Annual Notice of Change            manipulation of the spine to correct a subluxation
                                                        you to get the care that is best for your needs.
                                                                                                                  documents. These documents note if notification
Out-of-network/non-contracted providers are under                                                                 and authorization is required. The Evidence of            • Routine foot care, except for the limited coverage
                                                        This Summary of Benefits notes which types of care
no obligation to treat UCare members, except in                                                                   Coverage is provided to new members. Every renewal          provided according to Medicare guidelines (e.g., if
                                                        or services require notification or authorization. This
emergency situations. Please call our Customer                                                                    year, members receive an Annual Notice of Change            you have diabetes)
                                                        list may change from time to time. Some examples
Service number or see your Evidence of Coverage         include spine surgery and home health care.               that explains any changes to their plan benefits.         • Orthopedic shoes, unless the shoes are part of a
for more information, including the cost-sharing that                                                                                                                         leg brace and are included in the cost of the
applies to out-of-network services.                     Notification                                                                                                          brace, or the shoes are for a person with diabetic
                                                        Hospitals are required to notify UCare if you are         Consider Medicare coverage limits                           foot disease
                                                        admitted to a hospital, Long Term Care Facility, or       The following items and services are not covered
Learn about special services                                                                                                                                                • Supportive devices for the feet, except for
                                                        Skilled Nursing Facility. UCare’s clinical team will      under Original Medicare or by our plan:
Care Management                                                                                                                                                               orthopedic or therapeutic shoes for people
                                                        coordinate with your doctors to make sure you get         • Services considered not reasonable and necessary,
UCare Medicare with M Health Fairview & North                                                                                                                                 with diabetic foot disease
                                                        the care you need. If needed, UCare may set up              according to the standards of Original Medicare,
Memorial Health Case Management is a short-term         post-hospital care.                                                                                                 • Radial keratotomy, LASIK surgery, vision therapy
                                                                                                                    unless these services are listed by our plan as
(3 – 6 month) telephonic program for members                                                                                                                                  and other low-vision aids. Eyewear except for one
                                                        Authorization                                               covered services
challenged by multiple chronic health conditions.                                                                                                                             pair of eyeglasses (or contact lenses) after cataract
We offer care management to members with select         Before some services will be covered, your provider       • Experimental medical and surgical procedures,             surgery and non Medicare-covered eyewear up to
diagnoses who transition to home from a hospital        must get approval from UCare. This is true whether          equipment and medications, unless covered by              the allowed amount.
or skilled nursing facility. The Case Management        the provider participates in a UCare network or is          Original Medicare or under a Medicare-approved
                                                                                                                                                                            • Reversal of sterilization procedures, and/or non
team consists of registered nurses whose primary        out-of-network.                                             clinical research study or by our plan. Experimental
                                                                                                                                                                              prescription contraceptive supplies
focus is on assisting our members with medical                                                                      procedures and items are those determined by
                                                        To make a coverage decision, UCare’s clinical team                                                                  • Acupuncture (except for chronic low back pain)
case management needs such as health decision                                                                       our plan and Original Medicare to not be generally
                                                        evaluates if the service is medically necessary,
support and disease specific education. The case                                                                    accepted by the medical community.                      • Naturopath services (uses natural or
                                                        appropriate and effective for your need.
management team also works with internal and                                                                      • Private room in a hospital, except when it is             alternative treatments)
external resources to provide the member with           Prior authorization, or preservice review, means            considered medically necessary or if it is the only     Our plan will not cover the excluded services listed
needed support and help with attaining best health      that before you get the service, your provider must         option available                                        above. Even if you receive the services at an emergency
outcomes. They conduct care management by               provide information to UCare and request approval.                                                                  facility, the excluded services are still not covered.
phone during business hours.                            If prior approval is required for that service, it will   • Personal items in your room at a hospital or a
                                                        only be covered if the approval was granted.                skilled nursing facility, such as a telephone or
Prior Authorizations                                                                                                a television
We cover some services listed in the benefits           Urgent concurrent and concurrent review often             • Full‑time nursing care in your home
chart only if your doctor or other provider gets        occurs during a Long Term Care Facility, or Skilled
                                                        Nursing Facility stay. UCare will review to see if your   • Custodial care — care provided in a nursing home,
approval from us in advance. Some covered
                                                        care might need to continue longer or if different          hospice, or other facility setting when you do not
services that need such approval include inpatient
                                                        care is needed.                                             require skilled medical care or skilled nursing care.
rehabilitation services, genetic, molecular diagnosis
                                                                                                                    Custodial care is personal care that does not
tests, lumber spine surgery, bariatric surgery, vein    Post-service review is needed if your doctor didn’t         require the continuing attention of trained medical
procedures, bone growth stimulators, and spinal         request pre-service review. Your claim may have             or paramedical personnel, such as care that helps
cord stimulators. Other services that require prior     already been denied because authorization is                you with activities of daily living, such as bathing
authorization are marked with an ^ in the chart.        required for coverage. After your doctor requests           or dressing.
For more information on services that require prior     review, UCare will consider your situation and care
authorization by your provider, go to ucare.org.        plan to make sure you get the coverage you are
                                                        entitled to as a UCare member.
24                                                                                                                                                                          ucare.org/medicare123 or call 1-877-671-1064          25
Dental coverage limitations                                 8.	Direct diagnostic surgical or non-surgical           Notice of privacy practices                              What do we do with this information?
                                                                 treatment procedures applied to jaw joints or                                                                We use your information to provide health plan
Frequency limits and waiting periods do not apply                muscles, except as provided under Oral Surgery      Effective Date: July 1, 2013
                                                                                                                                                                              services to members and to operate our health plan.
to plans with a yearly dental allowance. Otherwise               in the Evidence of Coverage                         Date of Last Review: July 20, 2022
                                                                                                                                                                              These routine uses involve coordination of care,
these limitations apply to all plans.                                                                                This Notice describes how medical information
                                                            9.	Artificial material implanted or grafted into soft                                                            preventive health, and case management programs.
• Endodontics: Limited to one (1) per tooth                                                                          about you* may be used and disclosed and how
                                                                 tissue, including surgical removal of implants,                                                              For example, we may use your information to
  per lifetime.                                                  with exceptions                                     you can get access to this information. Please
                                                                                                                                                                              talk with your doctor to coordinate a referral to a
                                                                                                                     review it carefully.
• Periodontics (other than periodontal maintenance          10. Oral hygiene instruction and periodontal exam                                                                 specialist.
  cleanings): Coverage is limited to one (1)                11.	Services for teeth retained in relation to an       *In
                                                                                                                       this Notice, “you” means the member and “we”
  non-surgical periodontal treatment and one (1)                                                                                                                              We also use your information for coordination of
                                                                 overdenture. Overdenture appliances are limited      means UCare.
  surgical periodontal treatment per quadrant every                                                                                                                           benefits, enrollment and eligibility status, benefits
                                                                 to an allowance for a standard full denture
  36 months.                                                                                                         Questions?                                               management, utilization management, premium
                                                            12.	Any oral surgery that includes surgical             If you have questions or want to file a complaint,       billing, claims issues, and coverage decisions. For
• Bone grafting: Coverage is limited to once per                 endodontics (apicoectomy, retrograde filling)                                                                example, we may use your information to pay your
                                                                                                                     you may contact our Privacy Officer at UCare,
  site (upper/lower ridge) in conjunction with                   other than that listed under Oral Surgery in                                                                 health care claims.
                                                                                                                     Attn: Privacy Officer, PO Box 52, Minneapolis, MN
  building the bony ridge needed for successful                  the Evidence of Coverage
                                                                                                                     55440-0052, or by calling our 24 hour Compliance
  placement of an implant or removable                      13.	Analgesia (nitrous oxide)                                                                                    Other uses include customer service activities,
                                                                                                                     Hotline at 612-676-6525. You may also file a
  prosthetics (partial/full dentures).                                                                                                                                        complaints or appeals, health promotion,
                                                            14. Removable unilateral dentures                        complaint with the Secretary of the U.S. Department
• Major restorative services: Benefit for the                                                                                                                                 quality activities, health survey information,
                                                            15. Temporary procedures                                 of Health & Human Services at the Office for
  replacement of a crown or an onlay will be provided                                                                                                                         underwriting, actuarial studies, premium rating,
                                                                                                                     Civil Rights, U.S. Department of Health & Human
  only after a 60 month period, measured from the           16. Splinting                                                                                                     legal and regulatory compliance, risk management,
                                                                                                                     Services, 233 N. Michigan Ave., Suite 240, Chicago, IL
  last date the covered dental service was performed.       17.	Consultations by the treating provider and                                                                   professional peer review, credentialing, accreditation,
                                                                                                                     60601. We will not retaliate against you for filing a
                                                                 office visits                                                                                                antifraud activities, as well as business planning
• Prosthetics — removable and fixed: A prosthetic                                                                    complaint.
                                                                                                                                                                              and administration. For example, we may use your
  appliance (denture or bridge) for the purpose of          18.	Initial installation of implants, full or partial
                                                                 dentures or fixed bridgework to replace a           Why are we telling you this?                             information to make a decision regarding an appeal
  replacing an existing appliance will be covered only                                                                                                                        filed by you.
                                                                 tooth or teeth extracted prior to the member’s      UCare believes it is important to keep your health
  after 60 months.
                                                                 effective date. Exception: This exclusion will      information private. In fact, the law requires us to
• Implant services: Replacing a single missing tooth.                                                                                                                         We do not use or disclose any genetic information,
                                                                 not apply for any member who has been               do so. The law also requires us to tell you about our
  Coverage for implants is limited to once per tooth                                                                                                                          race, ethnicity, language, sexual orientation or
                                                                 continuously covered under a UCare Medicare         legal duties and privacy practices. We are required
  per lifetime (also see Exclusion #18).                                                                                                                                      gender identity for the purpose of underwriting.
                                                                 Plan for more than 24 months                        to follow the terms of the Notice currently in effect.
                                                            19.	Occlusal analysis, occlusal guards (night guards)                                                            In addition, we may use your information to provide
Dental coverage exclusions                                                                                           What do we mean by “information?”
                                                                 and occlusal adjustments (limited and complete)                                                              you with appointment reminders, information about
                                                                                                                     In this Notice, when we talk about “information,”
These exclusions are specific to dental coverage.                                                                                                                             treatment alternatives, or other health-related
                                                            20.	Veneers (bonding of coverings to the teeth)         “medical information,” or “health information,” we
Some of these exclusions may be covered under                                                                                                                                 benefits and services that may be of interest to you.
your medical benefit:                                                                                                mean information about you that we collect in our
                                                            21. Orthodontic treatment procedures                                                                              We may also share information with family members
                                                                                                                     business of providing health coverage for you and
1.	Dental services that are not necessary or               22.	Corrections to congenital conditions, other than                                                             or others you identify as involved with your care,
                                                                                                                     your family. It is information that identifies you.
    specifically covered                                         for congenital missing teeth                                                                                 or with the sponsor of a group health plan, as
2. Hospitalization or other facility charges                                                                         What kinds of information do we use?                     applicable.
                                                            23. Athletic mouth guards
                                                                                                                     We receive information about you as part of our
3. Prescription drugs                                                                                                                                                         We do not sell or rent your information to anyone.
                                                            24.	Retreatment or additional treatment necessary       work in providing health plan services and health
4.	Any dental procedure performed solely as a                   to correct or relieve the results of previous                                                                We will not use or disclose your information for
                                                                                                                     coverage. This information includes your name,
    cosmetic procedure                                           treatment, except as noted in the Evidence                                                                   fundraising without your permission. We will only use
                                                                                                                     address, and date of birth, race, ethnicity, language,
5.	Charges for dental procedures completed prior                of Coverage                                                                                                  or disclose your information for marketing purposes
                                                                                                                     sexual orientation, gender identity, telephone
    to the member’s effective date of coverage                                                                                                                                with your authorization. We treat information about
                                                            25. Space maintainers                                    numbers, family information, financial information,
                                                                                                                                                                              former members with the same protection as
6. Anesthesiologist services                                                                                         health records, or other health information.
                                                                                                                                                                              current members.
7.	Dental procedures, appliances or restorations                                                                    Examples of the kinds of information we collect
    that are necessary to alter, restore or maintain                                                                 include: information from enrollment applications,       Who sees your information?
    occlusion, including but not limited to:                                                                         claims, provider information, and customer               UCare employees see your information only if
    increasing vertical dimension, replacing or                                                                      satisfaction or health surveys; information you give     necessary to do their jobs. We have procedures
    stabilizing tooth structure lost by attrition (wear),                                                            us when you call us about a question or when you         and systems to keep personal information secure
    realignment of teeth, periodontal splinting, and                                                                 file a complaint or appeal; information we need          from people who do not have a right to see it.
    gnathologic recordings                                                                                           to answer your question or decide your appeal;           We may share the information with providers
                                                                                                                     and information you provide us to help us obtain         and other companies or persons working with or
                                                                                                                     payment for premiums.                                    for us. We have contracts with those companies

26                                                                                                                                                                            ucare.org/medicare123 or call 1-877-671-1064            27
or persons. In those contracts, we require that            For example, you may request that your mailings              • You have the right to receive notifications of            If you believe that UCare has failed to provide these
they agree to keep your information confidential.          be sent to a work address rather than your home                breaches of your unsecured protected health                services or discriminated in another way on the
This includes our lawyers, accountants, auditors,          address. We may ask that you make your request                 information.                                               basis of race, color, national origin, age, disability or
third party administrators, insurance agents or            in writing.                                                                                                               sex, you can file an oral or written grievance.
brokers, information systems companies, marketing                                                                       • You have the right to receive a copy of this Notice
                                                          • You have the right to look at or get a copy of               from us upon request. This Notice took effect
companies, disease management companies, or                                                                                                                                          Oral grievance
                                                            certain information we have about you. This                   July 1, 2013 and was last revised on July 20, 2022.
consultants.                                                                                                                                                                         If you are a current UCare member, please call the
                                                            information includes records we use to make
                                                                                                                                                                                     number on the back of your membership card.
We also may share your information as required              decisions about health coverage, such as payment,           How do we protect your information?
                                                            enrollment, case, or medical management records.                                                                         Otherwise please call 612-676-3200 or toll free at
or permitted by law. Information may be shared                                                                          UCare protects all forms of your information, written,
                                                            We may ask you to make your request in writing.             electronic and oral. We follow the state and federal         1-800-203-7225 (voice); 612-676-6810 or toll free
with government agencies and their contractors                                                                                                                                       at 1-800-688-2534 (TTY). You can also use these
as part of regulatory reports, audits, encounter            We may also ask you to provide information we               laws related to the security and confidentiality of
                                                            need to answer your request. We have the right to           your information. We have many safety procedures             numbers if you need assistance filing a grievance.
reports, mandatory reporting such as child abuse,
neglect, or domestic violence; or in response to            charge a reasonable fee for the cost of making and          in place that physically, electronically and                 Written grievance
a court or administrative order, subpoena, or               mailing the copies. In some cases, we may deny              administratively protect your information against
                                                                                                                                                                                     Mailing Address
discovery request. We may share information with            your request to inspect or obtain a copy of your            loss, destruction or misuse. These procedures
                                                                                                                                                                                     UCare
health oversight agencies for licensure, inspections,       information. If we deny your request, we will tell          include computer safeguards, secured files and
                                                                                                                                                                                     Attn: Appeals and Grievances
disciplinary actions, audits, investigations,               you in writing. We may give you a right to have the         buildings and restriction on who may access your
                                                            decision reviewed. Please let us know if you have                                                                        PO Box 52
government program eligibility, government program                                                                      information.
                                                            any questions about this.                                                                                                Minneapolis, MN 55440-0052
standards compliance, and for certain civil rights                                                                      What else do you need to know?                               Email: cag@ucare.org Fax: 612-884-2021
enforcement actions. We also may share information        • You have the right to ask us to correct or add             We may change our privacy policy from time to time.
for research, for law enforcement purposes, with            missing information about you that we have in                                                                            You can also file a civil rights complaint with the
                                                                                                                        As the law requires, we will send you our Notice if
coroners to permit identification or determine cause        our records. Your request needs to be in writing.                                                                        U.S. Department of Health and Human Services,
                                                                                                                        you ask us for it. If you have questions about this
of death, or with funeral directors to allow them to        In some cases, we may deny a request if the                                                                              Office for Civil Rights, electronically through the
                                                                                                                        Notice, please call UCare Customer Service at the
carry out their duties. We may be required to share         information is correct and complete, if we did not                                                                       Office for Civil Rights Complaint Portal, available at
                                                                                                                        toll-free number listed on the back of your member
information with the Secretary of the Department            create it, if we cannot share it, or if it is not part of   card. This information is also available in other forms      https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by
of Health and Human Services to investigate our             our records. All denials will be in writing. You may        to people with disabilities. Please ask us for that          mail or phone at:
compliance efforts. There may be other situations           file a written statement of disagreement with us.                                                                        U.S. Department of Health and Human Services
                                                                                                                        information.
when the law requires or permits us to share                We have the right to disagree with that statement.                                                                       200 Independence Avenue SW
information.                                                Even if we deny your request to change or add to                                                                         Room 509F, HHH Building
                                                            your information, you still have the right to have          Notice of nondiscrimination                                  Washington, D.C. 20201
We only share your psychotherapy notes with                 your written request, our written denial, and your          UCare complies with applicable Federal civil rights          1-800-368-1019, 1-800-537-7697 (TDD)
your authorization and in certain other limited             statement of disagreement included with your
circumstances.                                                                                                          laws and does not discriminate on the basis of race,         Complaint forms are available at
                                                            information.                                                color, national origin, age, disability or sex. UCare does   http://www.hhs.gov/ocr/office/file/index.html
Other uses and disclosures not described above            • You have the right to receive a listing of the times       not exclude people or treat them differently because
will be made only with your written permission. We          when we have shared your information in some                of race, color, national origin, age, disability or sex.
will also accept the permission of a person with            cases. Please note that we are not required to
authority to represent you.                                 provide you with a listing of information shared            We provide aids and services at no charge to people
                                                            prior to April 14, 2003; information shared or used         with disabilities to communicate effectively with us,        Healthy Savings is a registered trademark of
In most situations, permissions to represent you may        for treatment, payment, and health care operations          such as TTY line, or written information in other            Solutran, Inc.
be cancelled at any time. However, the cancellation         purposes; information shared with you or someone            formats, such as large print.                                TruHearing is a registered trademark of
will not apply to uses or disclosures we made               else as a result of your permission; information                                                                         TruHearing, Inc.
                                                                                                                        If you need these services, contact us at
before we received your cancellation. Also, once we         that is shared as a result of an allowed use or             612-676-3200 (voice) or toll free at 1-800-203-7225          MultiPlan is a registered trademark of
have permission to release your information, we             disclosure; or information shared for national
cannot promise that the person who receives the                                                                         (voice), 612-676-6810 (TTY), or 1-800-688-2534 (TTY).        Multiplan, Inc.
                                                            security or intelligence purposes. All requests for
information will not share it.                              this list must be in writing. We will need you to           We provide language services at no charge to                 SHINGRIX is a registered trademark of the GSK
                                                            provide us specific information so we can answer            people whose primary language is not English, such           group of companies.
What are your rights?
                                                            your request. If you request this list more than            as qualified interpreters or information written in
• You have the right to ask that we don’t use or share
                                                            once in a 12-month period, we may charge you a              other languages.
  your information in a certain way. Please note that
                                                            reasonable fee. If you have questions about this,           If you need these services, contact us at the
  while we will try to honor your request, we are not
                                                            please contact us at the address provided at the
  required to agree to your request.                                                                                    number on the back of your membership card or
                                                            end of this Notice.
• You have the right to ask us to send information                                                                     612-676-3200 or toll free at 1-800-203-7225 (voice);
  to you at an address you choose or to request                                                                         612-676-6810 or toll free at 1-800-688-2534 (TTY).
  that we communicate with you in a certain way.
28                                                                                                                                                                                   ucare.org/medicare123 or call 1-877-671-1064             29
Notes
     ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística.
     Llame al 612-676-3200/1-800-203-7225 (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
     612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534).

     XIYYEEFFANNAA: Afaan dubbattu Oroomiffa, tajaajila gargaarsa afaanii, kanfaltiidhaan ala, ni
     argama. Bilbilaa 612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534).

     CHÚ Ý: Nếu bạn nói Tiếng Việt, có các dịch vụ hỗ trợ ngôn ngữ miễn phí dành cho bạn. Gọi số
     612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534).

     注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 612-676-3200/
     1-800-203-7225(TTY:612-676-6810/1-800-688-2534)。

     ВНИМАНИЕ: Если вы говорите на русском языке, то вам доступны бесплатные услуги
     перевода. Звоните 612-676-3200/1-800-203-7225 (телетайп: 612-676-6810/1-800-688-2534).

     ໂປດຊາບ: ຖາ້ ວາ່ ທາ່ ນເວົ້າພາສາ ລາວ, ການບໍລກ
                                               ິ ານຊວ
                                                    ່ ຍເຫຼືອດາ້ ນພາສາ, ໂດຍບໍ່ ເສັຽຄາ່ ,
     ແມນມີ
       ່ ພອ້ ມໃຫທ
                ້ າ່ ນ. ໂທຣ        612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534).

     ማስታወሻ: የሚናገሩት ቋንቋ ኣማርኛ ከሆነ የትርጉም እርዳታ ድርጅቶች፣ በነጻ ሊያግዝዎት ተዘጋጀተዋል፡ ወደ ሚከተለው ቁጥር
     ይደውሉ 612-676-3200/1-800-203-7225 (መስማት ለተሳናቸው: 612-676-6810/1-800-688-2534).

     ymol.ymo;=erh>uwdRAunDAusdmtCdAusdmtw>rRpXRvXAwvXmbl.vXmphRAeDwrHRb.ohM.vDRIA
     ud; 612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534).

     ACHTUNG: Wenn Sie Deutsch sprechen, stehen Ihnen kostenlos sprachliche Hilfsdienstleistungen
     zur Verfügung. Rufnummer: 612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534).

     ្របយ័ក�៖ េបើសិនជ឵អ� កនិយ឵ ភ឵ស឵រ �ខ� រ, រសវ឵ជំនួយរ �ផ�កភ឵ស឵ េដ឵យមិនគិតឈ��ល
     គឺឤចម឵នសំរ឵ប់បរំ រ �អ� ក។ ចូ រ ទូ រស័ព� 612-676-3200/1-800-203-7225 (TTY: 612-676-6810/
     1-800-688-2534)។

                                  ‫اﺗﺼﻞ ﺑﺮﻗﻢ‬. ‫ ﻓﺈن ﺧﺪﻣﺎت اﻟﻤﺴﺎﻋﺪة اﻟﻠﻐﻮﯾﺔ ﺗﺘﻮاﻓﺮ ﻟﻚ ﺑﺎﻟﻤﺠﺎن‬،‫إذا ﻛﻨﺖ ﺗﺘﺤﺪث اذﻛﺮ اﻟﻠﻐﺔ‬: ‫ﻣﻠﺤﻮظﺔ‬
                        .(612-676-6810/1-800-688-2534 :‫ )رﻗﻢ ھﺎﺗﻒ اﻟﺼﻢ واﻟﺒﻜﻢ‬612-676-3200/1-800-203-7225

     ATTENTION : Si vous parlez français, des services d'aide linguistique vous sont proposés
     gratuitement. Appelez le 612-676-3200/1-800-203-7225 (ATS : 612-676-6810/1-800-688-2534).

     주의: 한국어를 사용하시는 경우, 언어 지원 서비스를 무료로 이용하실 수 있습니다.
     612-676-3200/1-800-203-7225 (TTY: 612-676-6810/1-800-688-2534) 번으로 전화해 주십시오.

     PAUNAWA: Kung nagsasalita ka ng Tagalog, maaari kang gumamit ng mga serbisyo ng tulong sa
     wika nang walang bayad. Tumawag sa 612-676-3200/1-800-203-7225 (TTY: 612-676-6810/
     1-800-688-2534).

30                                                                                                                                    ucare.org/medicare123 or call 1-877-671-1064   31
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