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Are you considering enrolling in a Medicare Advantage plan in Minnesota? You're in good company. In 2023, more than 31 million people are expected to get a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers.
MedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. can help you find the best Medicare Advantage plans in Minnesota that meet your needs. Below is a summary of the Minnesota market. This will allow you to get a clear idea of the top plan options available, the top-rated plan providers, and what you should expect to pay each month in A premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. .
NOTE: Our analysis does not include Minnesota's Medicare Advantage SNP Plans. We evaluate these plans separately. We also did not include plans without Medicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... benefits, employer plans, or Medicare-Medicaid Plans (MMPs).
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Who Has The Best Medicare Advantage Plans in Minnesota?
Each year, the The Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs. (CMS), rates Minnesota's Medicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Minnesota has 5-star Medicare Advantage plans available in 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Minnesota come from:
- Quartz Health Plan
MedicareWire recommends evaluating plans from these Minnesota providers first. Why? Because more stars mean a better plan. For instance, members may get better care and customer service from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Minnesota, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage.). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans.
Complete List of Minnesota's 2023 Medicare Advantage Plan Providers
Minnesota has 11 providers that offer Medicare Advantage plans. They include:
- Allina Health and Aetna Insurance
- Blue Cross and Blue Shield of Minnesota
- Blue Cross Blue Shield of Minnesota
- Lasso Healthcare
- Quartz Health Plan
- Sanford Health Plan of Minnesota
Top Minnesota Medicare Advantage Plans by CMS 5-Star Score in 2023
Here's a list of the best 2023 Medicare Advantage plans available in Minnesota, according to the Centers for Medicare & Medicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. Services:
Top Medicare Advantage Plans in Minnesota
|Provider||Plan ID||Plan Name||Premium||Limit||Stars|
|HealthPartners||H4882-010||HealthPartners Journey Dash (PPO)||$97.00||$3,200||5.0|
|HealthPartners||H4882-009||HealthPartners Journey Pace (PPO)||$0.00||$6,000||5.0|
|HealthPartners||H4882-003||HealthPartners Journey Steady (PPO)||$136.00||$2,800||5.0|
|HealthPartners||H4882-001||HealthPartners Journey Stride (PPO)||$49.00||$3,900||5.0|
|Quartz Health Plan||H9834-006||Gundersen MN Quartz Med Advantage Core D (w/Rx) (HMO)||$0.00||$5,600||5.0|
|Quartz Health Plan||H9834-001||Gundersen MN Quartz Med Advantage Elite D (w/Rx) (HMO)||$152.00||$3,000||5.0|
|Quartz Health Plan||H9834-003||Gundersen MN Quartz Med Advantage Value D (w/Rx) (HMO)||$43.00||$3,450||5.0|
|Blue Cross and Blue Shield of Minnesota||H2461-009||Platinum Blue Choice Plan with Rx (Cost)||$158.20||$3,500||4.5|
|Blue Cross and Blue Shield of Minnesota||H2461-010||Platinum Blue Complete Plan with Rx (Cost)||$255.10||$2,700||4.5|
|Blue Cross and Blue Shield of Minnesota||H2461-008||Platinum Blue Core Plan with Rx (Cost)||$52.40||$6,000||4.5|
|Blue Cross Blue Shield of Minnesota||H5959-014||Blue Cross Medicare Advantage Choice (PPO)||$86.00||$3,000||4.5|
|Blue Cross Blue Shield of Minnesota||H5959-015||Blue Cross Medicare Advantage Comfort (PPO)||$56.00||$3,500||4.5|
|Blue Cross Blue Shield of Minnesota||H5959-010||Blue Cross Medicare Advantage Complete (PPO)||$172.00||$2,900||4.5|
|Blue Cross Blue Shield of Minnesota||H5959-013||Blue Cross Medicare Advantage Core (PPO)||$0.00||$5,500||4.5|
|Humana||H6622-073||Humana Gold Plus H6622-073 (HMO-POS)||$0.00||$4,900||4.5|
|Humana||H5216-275||HumanaChoice H5216-275 (PPO)||$0.00||$4,200||4.5|
|Humana||H5216-176||Humana Value Plus H5216-176 (PPO)||$39.90||$6,700||4.5|
|Humana||H5216-063||HumanaChoice H5216-063 (PPO)||$97.00||$2,900||4.5|
|Humana||H5216-092||HumanaChoice H5216-092 (PPO)||$37.00||$6,700||4.5|
|Humana||H5216-167||HumanaChoice H5216-167 (PPO)||$72.00||$2,900||4.5|
|Humana||H5216-303||HumanaChoice H5216-303 (PPO)||$0.00||$4,200||4.5|
|Humana||H5216-359||HumanaChoice H5216-359 (PPO)||$54.00||$5,900||4.5|
|Humana||H6622-062||Humana Gold Plus H6622-062 (HMO-POS)||$127.00||$3,000||4.5|
|Medica||H8889-001||Medica Advantage Solution H8889-001 (PPO)||$85.00||$2,800||4.5|
|Medica||H8889-003||Medica Advantage Solution H8889-003 (PPO)||$196.00||$2,800||4.5|
|Medica||H8889-005||Medica Advantage Solution H8889-005 (PPO)||$0.00||$3,800||4.5|
|Medica||H8889-002||Medica Advantage Solution H8889-002 (PPO)||$95.00||$2,800||4.5|
|Medica||H8889-004||Medica Advantage Solution H8889-004 (PPO)||$134.00||$4,900||4.5|
|Medica||H8889-008||Medica Advantage Solution H8889-008 (PPO)||$19.00||$5,500||4.5|
|Medica||H2450-016||Medica Prime Solution Basic w/Rx (Cost)||$131.80||$3,400||4.5|
|Medica||H2450-001||Medica Prime Solution Basic w/Rx 2 (Cost)||$169.60||$3,400||4.5|
|Medica||H2450-002||Medica Prime Solution Enhanced w/Rx 2 (Cost)||$242.30||$3,000||4.5|
|Medica||H2450-049||Medica Prime Solution Standard w/Rx (Cost)||$49.40||$5,000||4.5|
|Medica||H2450-007||Medica Prime Solution Thrift w/Rx (Cost)||$90.30||$6,700||4.5|
|UCare||H2459-024||UCare Standard (HMO-POS)||$80.00||$6,000||4.5|
|UCare||H2459-029||UCare Aware (HMO-POS)||$24.00||$5,400||4.5|
|UCare||H2459-021||UCare Classic (HMO-POS)||$218.00||$2,800||4.5|
|UCare||H2459-026||UCare Complete (HMO-POS)||$102.00||$3,200||4.5|
|UCare||H2459-023||UCare Essentials Rx (HMO-POS)||$70.00||$3,800||4.5|
|UCare||H2459-020||UCare Prime (HMO-POS)||$0.00||$6,000||4.5|
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Minnesota County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best 2023 Medicare Advantage Plans by Minnesota County
Choose your Minnesota County below to see the best (and the worst) 2023 plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
How to Select Minnesota's Best Medicare Advantage Plan
There are various reasons you might be considering a plan change, such as turning 65 or the The Annual Enrollment Period is when Medicare beneficiaries can join, drop or change Medicare Advantage and Medicare Part D prescription drug plans. AEP begins on 15 October and ends on 7 December.. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Consider Your Expected Utilization
Do you believe that you will get the most out of your plan's benefits? If you do, evaluate plans with higher monthly premiums, low A copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service., and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high A deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share., so weigh your risk carefully.
2. Evaluate Your Prescription Costs
For many people, prescriptions are what drive up their healthcare costs the most. And, because most Medicare Advantage plans include Part D benefits for your prescriptions, you need to make sure the plan you choose covers your medications at a price you can afford.
3. Understand Your Additional Coverage Needs
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Medicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. benefits do not.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Minnesota shoppers, finding a plan that their doctor(s) accept is exhausting. We can help!
Should I Choose an HMO or PPO plan?
There are many plan options available when shopping for Medicare Advantage plans in Minnesota, including HMO and PPO options. These are some of the differences you should consider before making a plan selection.
- With an HMO you may pay less out-of-pocket, but you will need to choose a primary physician to coordinate your care. Referrals for specialists are often required. Except in an emergency, you must remain within the provider network.
- With a PPO you are not required to get referrals for specialty care. You have the option to get health care outside of the plan's provider network. However, typically you will pay more and the out-of-pocket maximum for out-of-network care will be higher.
Need help choosing? Call 1-855-728-0510 (TTY 711) for plan assistance. There's no obligation.
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Frequently Asked Questions
Still have questions? These common questions and answers might help. Or, call 1-855-728-0510 (TTY 711) to speak with a licensed advisor.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much does Medicare Advantage cost in Minnesota?
The average cost of a Medicare Advantage plan in Minnesota is $69.43. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's Out-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What do Medicare Advantage plans include?
All Medicare Advantage plans offered in Minnesota must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. covers 80% of hospital stays, skilled nursing, home care, Hospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. care, and Health care services and supplies a doctor decides you may receive in your home under a plan of care established by your doctor. Medicare only covers home health care on a limited basis as ordered.... And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Methodology and Sources
Our analysis of the top-rated Medicare Advantage plans in Minnesota excludes employer group plans, Medicare-Medicaid Plans (MMPs), Medicare Savings Account Plans (MSAs), Special Needs Plans (SNPs), and plans that do not include Part D benefits.
CMS rates health plans in several categories, including delivery of health care, member experience and customer service. When comparing plan ratings, we use state-specific data, not CMS' nationwide figures.
Medicare Advantage plan data is sourced from CMS public use files (see: Citations & References). When needed, we combined affiliated companies to calculate insurer averages.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed October 15, 2022
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2022 Spotlight: First Look", Last Accessed November 2, 2021
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 19, 2022
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 1, 2022
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
This Medicare Advantage state information page was last updated on .