The Original Medicare programs Part A and B cover essential inpatient and outpatient services for Bloomington, Minnesota residents. This coverage includes hospital treatment and durable medical equipment. However, several important health needs baseline Bloomington, Minnesota Medicare can’t cover, like dentist visits, prescription medication, foreign medical travel, and chronic disability care.
Thankfully, the four primary forms of supplemental Medicare, Part D, Medicare Advantage, Medigap, and Medicare Special Needs Plans (SNP), exist to fill those gaps for Bloomington, Minnesota residents.
Medicare plans in Bloomington, Minnesota
Unlike Original Medicare Parts A and B in Minnesota, private insurance companies control supplemental Medicare plans and their prices.
Your rates for supplemental Medicare will depend on your provider, location, age, gender, and several other factors. We’ll examine the average costs of Bloomington, Minnesota, Medicare Supplemental plans for a typical 65-year-old woman in the charts below.
Medicare Advantage plans
Hennepin County has a total of 43 available Minnesota Medicare Advantage plans. That’s one of the highest totals of Medicare Advantage plans of any Minnesota county and includes several low-cost, high-quality options.
Humana offers one of Bloomington’s most affordable Medicare Advantage plans. It has a $0 premium and a low maximum out-of-pocket cost of $4,400.
Ucare’s Bloomington, Minnesota, Medicare Advantage plan is one of the city’s only HMO-POS options. It also has a $0 premium and a higher $5,800 MOOP.
HealthPartners’ Medicare Advantage plan has some of the most comprehensive coverage in Bloomington, earning a five out of five-star rating for plan effectiveness. In addition, it has no monthly premium and a $5,500 MOOP.
The average cost of Medicare Advantage plans in Bloomington, Minnesota
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|BCBS of Minnesota||$0||$4,900||LOCAL PPO||4|
Medicare Supplement plans
Minnesota Medicare Supplement plans, or Medigap plans, are optional packages that cover services not covered by Original Medicare. Though private insurance companies manage Medicare Supplement plans, the federal government standardizes them so that every policy has the same benefits regardless of provider or location.
Most of the country has ten different Medicare Supplement plans, each labeled with a different letter or series of letters. However, Minnesota providers have more autonomy in shaping their policies, so the most popular options don’t meet the standard definition of Plan A through Plan N Medigap options.
Minnesota Extended is one of the most comprehensive Bloomington, Minnesota Medicare Supplement plans, but the average premium costs are higher to account for that coverage. You can expect to pay anywhere from $216.58 to $755.58 for Minnesota Extended. Minnesota XBAS has a similar coverage and price rate, with average premiums ranging from $199.67 to $549.92.
Bloomington, Minnesota, Medicare enrollees who don’t need comprehensive Medigap coverage can sign up for Minnesota 50%, which has reduced benefits compared to Minnesota Basic but costs between $132.30 and $147.65 per month.
The average cost of Medicare Supplement plans in Bloomington, Minnesota
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
|MINNESOTA 50% A||$267.13||N/A|
|MINNESOTA HD 2||$64.65||$77.72|
Medicare Part D prescription drug plans
Medicare Part D in Minnesota covers most prescription medications in Bloomington, MN. These plans are unique compared to other supplemental Medicare options since no Medigap plans and only some Medicare Advantage plans have Part D coverage.
Aetna’s Medicare Part D coverage is the cheapest in Bloomington, MN; it has a $480 deductible and a $6.80 monthly premium.
Humana’s Part D package is another popular and affordable option. It has a $480 deductible, a $22.70 monthly premium, and a four-star rating.
UnitedHealthcare’s Part D plan has the most affordable annual deductible at just $310 and a $29.30 premium.
The average cost of Medicare Part D plans in Bloomington, Minnesota
|Clear Spring Health||$16.60||$480||2|
Special Needs Plans
SNPs are a subset of Medicare Advantage for enrollees with chronic disabilities or special needs. Though they aren’t available everywhere, Bloomington, MN, has a wide selection of popular SNPs.
Ucare and Health Partners have the most affordable Bloomington, Minnesota Medicare Special Needs Plans. They both have $0 premiums and MOOPs for dual-eligible beneficiaries with both Medicare and Medicaid.
Medica also offers a $0 premium, dual eligibility SNP, but this one has a $7,550 MOOP.
UnitedHealthcare has one of the few Local PPO SNPs in Bloomington. It has a $36.20 premium and a low $1,800 MOOP with institutional eligibility.
The average cost of Medicare Special Needs plans in Bloomington, Minnesota
How to sign up for Medicare plans in Bloomington
Medigap.com compares rates and plans from every Bloomington, Minnesota, Medicare provider for free. That way, you can get the coverage you need without the hassle of combing through dozens of plans and providers on your own.
Call our team or complete our online form to get rates today.