Medicare Advantage Plans in Minnesota

After signing up for a Minnesota Medicare Advantage plan, beneficiaries use a medical card the insurance company provides when seeking medical care. Private insurers administer the health plans, but beneficiaries keep their Original Medicare red, white, and blue card and are still Medicare beneficiaries under the Centers for Medicare and Medicaid Services. Beneficiaries are still entitled to complete Part A and Part B coverage.

A few quick facts about Minnesota Medicare Part C plans:

  • Medicare Advantage plans often include wellness benefits like Silver Sneaker memberships and dental, vision, and hearing services coverage.
  • While Advantage plans offer lower monthly premiums than Medigap plans, they may come with more out-of-pocket costs like copayments, coinsurance, and deductibles.
  • Medicare Advantage Prescription Drug plans, also known as MAPD, include prescription drug coverage.
  • Many Advantage plans require beneficiaries to see network providers.
  • Medicare Part C is becoming more popular with beneficiaries in Minnesota and many other states.
  • An insurance agent can help beneficiaries select the right Advantage plan for their budget and health care needs.
Find Plans in Your Area
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Top-rated Medicare Advantage Providers in Minnesota

  • Aetna
  • Cigna
  • UCare for Seniors
  • Humana
  • Health Partners
  • MHP Senior Solutions Premium
  • Medica Clear Solution Essential

Popular Medicare Advantage Plan Types in Minnesota

Best for network freedom: Medicare Advantage PPO

  • With a PPO plan, beneficiaries have access to more extensive provider networks than they would with an HMO.
  • Some plans allow out-of-network service providers with higher out-of-pocket costs.
  • Monthly premiums range from $0 to $100.

Best for lowest out-of-pocket: Medicare Advantage HMO Plan

  • HMO plans limit beneficiaries to seeing in-network healthcare providers, but those restrictions allow the insurance companies to offer lower monthly premiums.
  • Most beneficiaries have access to $0 premium HMO plans.

Best for low income or health conditions: Medicare Advantage D-SNIP

  • SNP insurance plans in Minnesota offer specialized benefits for beneficiaries with low income or a chronic health condition.
  • Low-income beneficiaries may combine their Minnesota Medicare Advantage plan with Medicaid to minimize out-of-pocket costs.

Minnesota Enrollment Facts:

  • The five largest counties in Minnesota are Hennepin, Ramsey, Dakota, Anoka, and Washington.
  • There were 1,017,798 Medicare beneficiaries in Minnesota in 2018.
  • 569,888 Medicare beneficiaries in Minnesota were enrolled in Medicare Advantage in 2018.

How much does Medicare Advantage in Minnesota cost?

In 2022, the average monthly premium for a Medicare Advantage plan in Minnesota was $80.82. Most counties have $0 premium HMO plans, and some PPO plans still offer $0 premium options.

How much do Advantage Plans cost in Minnesota?

PPO Plan $0.00 to $80.82

HMO Plan $0.00

When can I enroll in a Minnesota Medicare Advantage plan?

Initial Enrollment Period

The initial enrollment period is unique to every beneficiary. It starts three months prior to the 65th birthday month and lasts for seven full months.

Open Enrollment Period – AKA Annual Election Period

This period takes place every year from October 15 to December 7. Medicare beneficiaries can sign up for new plans, switch between plans, or go back to Original Medicare with or without a Part D prescription drug plan.

Medicare Advantage Open Enrollment Period

This period takes place every year from January 1 to March 31. Beneficiaries enrolled in Medicare Part C can switch between plans or go back to Original Medicare with or without a prescription drug plan.

Special Enrollment Periods – Special Circumstances

Eligibility for special enrollment periods is limited to beneficiaries with qualifying circumstances. Medicare plan changes are permitted without penalty.

For example, special enrollment periods are often issued when a beneficiary loses medical coverage from an employer or moves out of the service area for their current plan.

5-star Special Enrollment Period

This period takes place every year from November 30 to December 8. Beneficiaries can switch to a 5-star Advantage plan if available in their service area.

Special Enrollment Periods if you get “Extra Help”

Minnesota beneficiaries who qualify for Medicaid and Medicare can make changes to their Advantage and Part D prescription drug plans one time during each of these periods:

  • January – March
  • April – June
  • July – September

Those who qualify for Extra Help only for prescription drug coverage help can make changes to their Part D plans during the same periods.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.

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