Seniors from Minnesota who choose a 2016 Medicare Advantage plan have good options. When you enroll, your Original Medicare private-fee-for-service benefits are replaced with an approved managed care plan that saves you money.
Plans vary from county to county. Availability depends on healthcare networks in your area that are necessary to support HMO and/or PPO managed care. Click on your county to get started.
Who Can Enroll in Medicare Advantage?
If you are age 65 or older, you most likely qualify to enroll in a Minnesota Medicare Advantage plan available in your county. If you have End-Stage Renal Disease (ESRD), you will need to stay on Original Medicare.
There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. Medicare Advantage
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Minnesota Medicare Part D Plan (prescriptions) and Minnesota Medicare Supplement Insurance.
A Medicare Supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our Minnesota Medigap Plans page for more information. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
About Our 2016 Private Health Insurance Data
The private health insurance data we publish is received from public data files provided by the U.S. federal government. We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details. Only a licensed health insurance agent can give you a binding quote.
For additional information go to the CMS website at: http://cms.gov. This page is maintained by David Bynon and was last updated on .