You have more health insurance options in 2016 than ever before. Minnesota Medicare Advantage (MA) plans are one of those options. It's government approved private health insurance that replaces your Original Medicare private-fee-for-service benefits.
Some rural areas don't offer plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
Click on your county below.
Getting Enrolled in Medicare Advantage
Most Minnesota seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
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.
Medicare Advantage vs. Original Medicare with a Supplement
If you are concerned that Medicare Advantage could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. Minnesota Medicare Supplemental Insurance and a Minnesota Medicare Part D Plan (for prescriptions) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Minnesota Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
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 more information about the Medicare program, visit http://cms.gov. This page is maintained by David Bynon and was last updated on .