• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
MedicareWire

MedicareWire

Best Medicare plan, cost, and enrollment tools for seniors.

Speak with a Licensed Sales Agent[1]

1-855-728-0510 (TTY 711)

Mon-Fri 5 AM-6 PM, Sat 6 AM-5 PM PT

  • Medicare Advantage
  • Special Needs
  • Medigap
  • Drug Plans
  • More➲
    • Senior Dental Plans
    • Medicare Glossary
    • Important Resources
    • Frequently Asked Questions

Written by David Bynon [3], Medicare Analyst since 2012.  Last updated April 29, 2025

MedicareWire partners with HealthCompare for some plans. Compensation does not influence content. Here's why you can trust our data and how we make money. Also see our references and how we're building EEAT trust.

Medicare Advantage
 » 
Minnesota
 » 
Lake of the Woods County
 » 
UCare Value

UCare Value (HMO-POS) – H2459-001-0

⭐  Rating : CMS uses a 5-star system to rate Medicare Advantage plans based on quality, member experience, and service. ☆☆☆☆☆ (4 out of 5 stars from CMS)*
UCare logo, a registered trademark of UCare
Premium: Monthly premium you pay in addition to your Medicare Part B premium. 19.00/mo + Part B premium
Deductible: The amount you must pay before your health plan coverage begins. Does not include the prescription plan deductible, if any. $0.00
MOOP: Maximum Out-of-Pocket cost for in-network services per year. $3,400.00 /yr
Giveback: Monthly credit applied toward your Part B premium, if applicable. $0.00/mo
Prescriptions: Summary of drug plan coverage and deductible. Not Included
Availability: County or region where this plan is offered. See List
Supplemental: Common additional benefits offered, including dental, vision, and hearing. Vision, Hearing
Insured by: The organization marketing the plan. Click for contact details. UCare

This page provides coverage, cost, and availability details for UCare’s H2459-001-0 Medicare Advantage plan for 2025.

Is UCare Value (HMO-POS) not the plan you want? See all Medicare Advantage Plans in Lake of the Woods County, Minnesota.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. The UCare logo is a registered trademark. [2] Its use by MedicareWire is strictly for editorial purposes. This is not a solicitation of insurance.

We're Here to Help You Enroll

Secure Online Enrollment

Or Call for Licensed Insurance Agent Support
1-855-728-0510 (TTY 711)
Mon-Fri 5am-6pm, Sat 6am-5pm PT

Health Plan Costs

💰 Monthly Premium, Deductible, Max Out-of-Pocket & Giveback

Monthly Premium: The total monthly premium is $19.00, including drug coverage. You must also pay your standard Medicare Part B premium.

Health Plan Deductible: Some health plans have a deductible (amount you pay before cost-sharing begins). This plan's deductible is $0.00.

Maximum Out-of-Pocket: All Medicare Advantage plans have an annual maximum out-of-pocket (MOOP) limit. This is the most you will pay for standard health services in a year before that plan begins paying all costs. This plan's MOOP is $3,400.00 for in-network services, excluding the cost of your Part D medications.

Part B Giveback: This plan offers a Part B premium giveback of $0.00.

Health Plan Out-of-Pocket Costs

🩺 Doctor’s Office Visits
  • Primary: Not Covered
  • Specialist: $35 Copay
  • NOTE: Certain preventive services are covered 100% by the plan as a Part B benefit.
🏥 Emergency, Urgent, and Inpatient Hospital Coverage
  • Emergency room care: $100 Copay
  • Urgent care: $45 Copay
  • Ground ambulance: $100 Copay
  • Inpatient hospital care: $200.00 per stay
  • Skilled Nursing Facility: $0.00 per day for days 1 through 20
    $125.00 per day for days 21 and beyond
🦶 Foot Care
  • Foot Exams and Treatments (Medicare-covered): $35 Copay
  • Routine Foot Care: Not Covered
💆 Chiropractic Care
  • Medicare-covered chiropractic: $10 Copay
  • Routine chiropractic: Not Covered
🧠 Mental Health Services
  • Outpatient individual therapy: Not Covered
  • Outpatient group therapy: Not Covered
  • Inpatient psychiatric hospital care: $200.00 per stay
🏋️ Rehabilitation Services
  • Physical therapy and speech and language therapy: $35 Copay
  • Occupational therapy: $35 Copay
🧰 Medical Equipment and Supplies
  • Diabetes supplies: 20% Coinsurance
  • Durable medical equipment: 20% Coinsurance
  • Prosthetics: 20% Coinsurance
🔬 Diagnostics, Lab Services, and Imaging
  • Diagnostic radiology services: 10% Coinsurance
  • Lab services: Not Covered
  • Outpatient x-rays: 10% Coinsurance
  • Diagnostic tests and procedures: 10% Coinsurance
💉 Medicare Part B Drugs
  • Chemotherapy: 20% Coinsurance
  • Other Part B drugs (Medicare-covered): 20% Coinsurance

Supplemental Benefits

🦷 Dental Services
  • Medicare Covered Preventive Dental: Not Covered
  • Oral exam: $0
  • Dental x-rays: $0
  • Cleaning: $0
  • Periodontics: Not Covered
  • Endodontics: Not Covered
  • Restorative Services: Not Covered
  • Maximum dental benefit
    $2,000.00 (Every year)
👂 Hearing Aids and Services
  • Fitting/evaluation: Covered
    Limits may apply
  • Hearing aids: Not Covered
  • Hearing exam: Covered
    Limits may apply
👓 Vision Services
  • Medicare-covered eye exam: $ to $35 Copay
  • Routine eye exam: Covered
    Limits may apply
  • Eyewear benefits: None
Do you have questions about costs in this plan? Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent and learn more about this plan and other plans on this site (Mon-Fri 5am-6pm, Sat 6am-5pm PT).

Prescription Drug Costs & Benefits

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Rating Marks

Each year the Centers for Medicare & Medicaid Services (CMS) rates health plans (Part C) in five broad categories and drug plans (Part D) in four broad categories using a 5-star rating system. Here are the most recent CMS ratings for UCare Value.

CMS Ratings Breakdown – 2025

Health Plan Ratings

  • ☆☆☆☆☆
    Staying Healthy Includes screenings, tests, and vaccines to keep you well.
  • ☆☆☆☆☆
    Managing Chronic Conditions How well the plan helps members manage long-term health issues.
  • ☆☆☆☆☆
    Member Experience with Health Plan Reflects what members say about their health plan experience.
  • ☆☆☆☆☆
    Complaints and Changes in Plan Performance Tracks complaints and year-over-year performance changes.
  • ☆☆☆☆☆
    Health Plan Customer Service How well the plan handles appeals and customer help.

Drug Plan Ratings

  • ☆☆☆☆☆
    Drug Plan Customer Service Service quality specific to the Part D drug plan.
  • ☆☆☆☆☆
    Complaints and Changes in the Drug Plan How well the drug plan resolves issues and maintains quality.
  • ☆☆☆☆☆
    Member Experience with Drug Plan Satisfaction with drug coverage and related services.
  • ☆☆☆☆☆
    Drug Safety & Pricing Accuracy How accurate the plan is with pricing and safe medication practices.

* CMS uses a 5-star rating system to evaluate Medicare Advantage and Part D plans each year. Learn more at Medicare.gov.

Plan Availability

UCare Value (H2459-001-0) is available in the following locations (click to open):

Aitkin
Anoka
Becker
Beltrami
Benton
Big Stone
Blue Earth
Brown
Carlton
Carver
Cass
Chippewa
Chisago
Clay
Clearwater
Cook
Cottonwood
Crow Wing
Dakota
Dodge
Douglas
Faribault
Fillmore
Freeborn
Goodhue
Grant
Hennepin
Houston
Hubbard
Isanti
Itasca
Jackson
Kanabec
Kandiyohi
Kittson
Koochiching
Lac qui Parle
Lake
Lake of the Woods
Le Sueur
Lincoln
Lyon
Mahnomen
Marshall
Martin
McLeod
Meeker
Mille Lacs
Morrison
Mower
Murray
Nicollet
Nobles
Norman
Olmsted
Otter Tail
Pennington
Pine
Pipestone
Polk
Pope
Ramsey
Red Lake
Redwood
Renville
Rice
Rock
Roseau
Scott
Sherburne
Sibley
St. Louis
Stearns
Steele
Stevens
Swift
Todd
Traverse
Wabasha
Wadena
Waseca
Washington
Watonwan
Wilkin
Winona
Wright
Yellow Medicine

Need Help Enrolling?

Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent and learn more about this plan and others on this site.

Or enroll online through our trusted and secure platform:

🚀 Enroll Online Now

Clicking this button will open MedicareEnrollment.com (powered by HealthCompare Insurance Services) and the official UCare plan page.

📄 View Plan Contact Information
Helpful Links and Contact Information for UCare
Website: UCare Plan Page (opens in new tab)
Providers: UCare Providers Page (opens in new tab)
New Member Health Plan Help: (877)671-1058
New Member TTY: (800)688-2534

🔍 Why This Information Matters

Many Medicare websites only show you their own phone numbers and redirect you to their sales team. We believe you deserve full access to your plan resources — including direct links to the official UCare site, provider directories, and support contacts.

That’s why we include this information here, clearly and transparently — so you can research and enroll with confidence.

🛡️ Official Medicare Enrollment Resources

If you qualify for Medicare benefits but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Part C program on www.medicare.gov or call 1-800-MEDICARE.

Frequently Asked Questions

📘 What does Medicare plan code H2459 001 mean?

UCare Value is a Medicare Advantage plan by UCare. The code H2459 is the CMS contract ID, whereas 001 is its plan ID.

  • Plan Name: UCare Value
  • Plan Type: HMO-POS
  • Premium: $19.00/mo + your monthly Part B premium
  • Out-of-Pocket Max: $3,400.00 (in-network)
  • Drug Coverage: Does not include Medicare Part D prescription drug coverage.
  • CMS Star Rating: 4 out of 5
  • Contract Year: 2025

This information is based on official CMS data and is provided for educational purposes. Always review your plan’s official documents or contact the provider directly before making enrollment decisions.

📋 What type of plan is H2459 001?

This plan is a HMO-POS — specifically, it's an HMO-POS plan with a Medicare Advantage contract that's offered by UCare. It comes with defined provider network rules you should be aware of.

  • Plan Marketing Name: UCare Value
  • Network Type: HMO with a point-of-service option for limited out-of-network coverage
  • Referral Requirement: Most care requires referrals, but some services may be available out-of-network without one. Check the benefits section for details.
  • Prescription Coverage: Does not include Medicare Part D prescription drug coverage.

Plan types like HMOs and PPOs determine whether you can go out-of-network or need referrals to see specialists.

📦 What benefits are included in H2459 001?

This plan covers all Medicare Part A and Part B services. Depending on the plan, it may also include valuable extras like dental, vision, and hearing benefits.

  • Medical Services: Hospital, doctor visits, preventive care
  • Prescription Drugs: Not Included
  • Dental: No — this plan does not include dental benefits.
  • Vision: Yes — vision benefits are included. Review the vision section above for copay and limit details.
  • Hearing: Yes — hearing benefits are included. See the coverage details above to learn what services are covered.

Benefit availability may vary by location and plan version. Confirm specific details in your plan's Evidence of Coverage (EOC).

📌 Additional Plan Options

Additional Plan Options

The Medicare Part C program offers a myriad of HMO, PPO, and PFFS plan options, including these plans:

  1. UCare Classic (HMO-POS)
  2. UCare Essentials Rx (HMO-POS)
  3. UCare Classic (HMO-POS)
  4. UCare Value (HMO-POS)
  5. UCare Classic (HMO-POS)
  6. UCare Standard (HMO-POS)
  7. UCare Complete (HMO-POS)

If you are enrolled in a Part C plan with prescription drug coverage, you cannot be enrolled in a stand-alone Medicare Part D plan, regardless of your chosen insurance company.

You cannot be enrolled in a Part C health plan and simultaneously hold Medicare Supplement Insurance (Medigap). Medicare Supplement plans are only compatible with Medicare Parts A and B.

📚 Citations & Research

Citations & References

  • UCare, https://home.ucare.org, Last Accessed March 1, 2025
  • Medicare.gov, "Medicare Advantage Plans cover all Medicare services", Last Accessed February 20, 2024
  • Medicare.gov, "How Original Medicare Works", Last Accessed February 19, 2024
  • Medicare.gov, "Medicare & You", Last Accessed February 19, 2024
  • Medicare.gov, "What Medicare Covers", Last Accessed March 19, 2025
  • CMS.gov, Landscape Source Files, Last Accessed March 15, 2025
  • CMS.gov, Medicare Part C & D Performance, Last Accessed March 15, 2025
  • CMS.gov, Plan Benefits Package, Last Accessed March 15, 2025

Research Note: This content is based on independent analysis of CMS data by David Bynon, Medicare analyst and founder of MedicareWire.

For details on how this plan was analyzed and constructed using CMS data, see our Medicare Plan Research Methodology.

Disclaimer: MedicareWire does not endorse or rank Medicare plans. Plan information is provided for educational and research purposes only and may not reflect the most current data available from CMS or the plan provider.

📋 Carrier Plans Available Through HealthCompare

Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

Primary Sidebar

On This Page

  • Introduction
  • Health Plan Costs
  • Prescription Costs
  • Plan Rating Marks
  • Get Help
Are you ready to enroll?
Do you still have questions?

Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Footer

About MedicareWire

  • About
  • Contact
  • Code of Conduct
  • MCMG Compliance
  • Privacy
  • California Consumer Privacy
  • Disclosure
  • Personally Identifiable Health Information
  • How We Make Money
  • Medicare Plan Research Methodology
  • SEO Disclosures
  • About MedicareGraph™

[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

Compensation does not influence our content, which is based on independent research. MedicareWire’s plan page content are reviewed annually for CMS compliance by licensed compliance officers from UnitedHealthcare, Humana, and Aetna. Read our full sales agent disclosure and how we make money.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

Copyright © 2025 MedicareWire.com - All Rights Reserved
101 W Goodwin St #2487, Prescott, AZ 86302

MedicareWire.com is a non-government website and is not endorsed by the Centers for Medicare & Medicaid Services. By using MedicareWire.com you agree to our Terms of Service and Privacy Policy. For official government information, please visit Medicare.gov or call 1-800-MEDICARE. Help is available 24 hours a day, 7 days a week, except on some federal holidays. You can also use the live chat service 24 hours a day, 7 days a week, except on some federal holidays.

We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.

Not all plans offer all of these benefits. Benefits may vary by carrier and location.
Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.

MULTIPLAN_HCIMEDWIRPY25_M