Discover the Top Medicare Advantage Plans Minnesota Offers
Choosing from the Medicare Advantage plans Minnesota offers can feel like navigating a maze, especially with the abundance of options. Whether you’re new to Medicare or simply seeking a better plan for you, it’s important to know that not all plans are created equal.
If you are familiar with Medicare Advantage, you can jump directly to the plans in your Minnesota County by entering your zip code in our Plan Finder look up tool below. Otherwise, keep reading.
Explore Plans in your area using your ZIP Code
Because everyone’s health and financial situation is different, the right Medicare Advantage plan will look different for each person. Understanding your needs is the first step to sorting through the plans offered in Minnesota.
Think of this guide as a resource to help simplify the process. We’ll outline Minnesota’s plan options, highlight Star Ratings, and walk through important considerations so you feel more confident in your choices.
Minnesota Medicare Advantage Plans: An Overview
While many people stay with Original Medicare (Parts A and B), a large share of beneficiaries choose Medicare Advantage instead. Often called Medicare Part C, these plans are offered by private insurance companies approved by Medicare and must include all the benefits of Original Medicare.
That said, each plan can vary in important ways, including its provider network, costs, and any extra benefits. Comparing these details closely will help you decide which plan best matches your situation.
The Medicare Advantage 5-Star Quality System
Medicare Star Ratings are an important tool for evaluating Medicare Advantage plans in Minnesota. Each year, CMS assigns a rating from 1 to 5 stars, with higher scores indicating stronger performance across several measures.
These measures include things like preventive care, chronic condition management, customer service, and member experience. Reviewing Star Ratings can help you understand how one plan stacks up against another.
Access to 5-star Medicare Advantage plans isn’t guaranteed in every Minnesota County. Plans with 4 stars or fewer may still deliver quality care and benefits. Be sure to look at the Star Ratings before making a final decision.
Factors to Weigh in Addition to Star Ratings
A plan’s Star Rating is a helpful benchmark, but it shouldn’t be the only factor in your decision. Think about what matters most to you. If access to wellness or fitness programs is a priority, confirm that the plan offers those options.
Part D Prescription Drug Coverage in Medicare Advantage
Many Medicare Advantage plans include prescription drug coverage, also known as Part D. If you take medications regularly, be sure to review a plan’s formulary — the list of drugs it covers and the cost-sharing details.
Look closely for any rules such as prior authorization, step therapy, or quantity limits that may apply. Knowing how a formulary works can help you better predict and manage your medication expenses.
Doctors, Specialists, and Hospitals in Your Network
Most Medicare Advantage plans use provider networks, meaning you’ll generally need to get care from doctors, hospitals, and specialists in that network unless it’s an emergency. This is different from Original Medicare, which allows broader access.
Check whether your current providers are included in a plan’s network to avoid disruptions in care. It’s also wise to look at the network’s overall reach, particularly if you split time between locations or travel frequently.
Understanding Out-of-Pocket Expenses
Out-of-pocket costs vary across Medicare Advantage plans. Expenses such as deductibles, copayments, and coinsurance determine what you’ll pay for care. Reviewing plan documents or using the Medicare.gov Plan Finder can help you estimate your yearly costs based on your expected healthcare use.
Choosing a plan that matches your health situation and likely service needs may help you manage expenses. Don’t forget to account for costs tied to extra benefits like dental or vision when building a full budget picture.
Tools and Resources to Help You Choose a Plan
Because your health coverage is so important, it’s worth taking the time to evaluate your Medicare Advantage options in Minnesota. Rely on trustworthy sources and comparison methods to guide your decision.
The Medicare Plan Finder on Medicare.gov is a great starting point, offering side-by-side comparisons by location. You can also use other reputable resources, read plan reviews, and gather insights from friends or family who have Medicare Advantage experience.
Where to Turn for Medicare Guidance
Sorting through Medicare Advantage choices can be challenging, but you don’t have to do it alone. Help is available through licensed agents and brokers, as well as directly from Medicare at 1-800-MEDICARE.
They can walk you through plan comparisons, clarify coverage, and provide support in selecting an option that works for you. Reaching out for guidance can bring peace of mind during the decision process.
Explore Plans in your area using your ZIP Code
Explore Plans in Minnesota by County
Click on your Minnesota County to explore the plans available in your area.
The MA and MAPD plans available though this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Minnesota.
Plans Offered for Enrollment through Medicare.org
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.
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