Minneapolis, Minnesota Medicare beneficiaries can select either an Original Medicare plan or a Medicare Advantage plan. Of Minneapolis’s 578,616 Original Medicare enrollees, 297,447 have a Medicare Advantage plan.
Minneapolis, Minnesota Supplemental Medicare plans
When you enroll in a supplemental Medicare plan, you stand to benefit in many ways. Medigap and Medicare Advantage plans cover costs beyond Original Medicare. We will review these different types of plans with quotes based on an average 70-year-old female Medicare beneficiary.
Affordable Medicare Advantage plans in Minneapolis, MN
In Minneapolis, 297,447 Medicare beneficiaries enrolled in a Minnesota Medicare Advantage plan. In addition, the city offers 43 Medicare Advantage plans.
Humana’s Local PPO has a four-star rating with a Maximum Out-Of-Pocket (MOOP) cost of $4,400 and no monthly premiums. With Humana’s PPO plan, you can visit any Medicare-approved doctor.
BCBS of Minnesota’s Local PPO plan has a four-star rating with a MOOP cost of $4,900 and no monthly premiums. BCBS offers an all-in-one plan with medical, dental, and prescription coverage.
Additionally, UCare has a large provider network, allowing you to choose your doctor.
UnitedHealthcare’s Local PPO plan has a four-star rating with a MOOP cost of $6,700 and no monthly premiums. Lastly, HealthPartners’ PPO has a high five-star rating with a MOOP of $5,500 and no monthly premiums. HealthPartners has the highest rating for the best plans and customer service.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $4,400 | LOCAL PPO | 4 |
| BCBS of Minnesota | $0 | $4,900 | LOCAL PPO | 4 |
| UCare | $0 | $5,100 | HMO-POS | 4 |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
| HealthPartners | $0 | $5,500 | LOCAL PPO | 5 |
Average Medicare Supplement plans in Minneapolis, Minnesota
Medicare Supplement Plans in Minnesota cover out-of-pocket expenses left behind by Original Medicare. The benefits remain the same as the government standardizes these plans nationwide, even with different carriers. However, the monthly premiums can differ based on location and other factors.
The MINNESOTA 50% plan premiums range from $132.30 to $147.65 per month, and the MINNESOTA 50% A monthly plan premium is $267.73.
The MINNESOTA BASIC premium ranges from $142.06 to $290.94. Basic plans pay 50% mental health fees, 20% physical therapy, and other benefits.
MINNESOTA EXTENDED premiums range from $216.58 to $755.58. Extended plans pay for preventative care, 80% of usual and customary fees, and state-mandated benefits.
The MINNESOTA HD plan premiums are as low as $63.45 and as high as $175.11. The MINNESOTA PBCO plan premiums range from $151.72 to $309.59 per month.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| MINNESOTA 50% | $132.30 | $147.65 |
| MINNESOTA 75% | $188.15 | $221.93 |
| MINNESOTA 50% A | $267.73 | N/A |
| MINNESOTA BASIC | $142.06 | $290.94 |
| MINNESOTA EXTENDED | $216.58 | $755.58 |
| MINNESOTA HD | $63.45 | $175.11 |
| MINNESOTA HD 2 | $64.65 | $77.72 |
| MINNESOTA PBCO | $151.72 | $309.59 |
| MINNESOTA XBAS | $199.67 | $549.92 |
Cheapest Medicare Part D prescription drug plans
Minnesota Medigap plans don’t provide drug coverage, but some Medicare Advantage plans do. Medicare beneficiaries can also opt for standalone Medicare Part D plans to cover their prescription medication costs.
The Aetna plan has a monthly premium of $6.80, a three-star rating, and a $480 deductible. The Wellcare plan costs $10.60 monthly with a three-star rating and a $480 deductible, and Clear Spring Health plans cost $16.60 monthly with a two-star rating and a $480 deductible.
Humana is a highly reputable insurance provider with a Part D plan that boasts a four out of five-star rating. With a $480 deductible, beneficiaries can expect to pay around $22.70 per month.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.80 | $480 | 3 |
| Wellcare | $10.60 | $480 | 3 |
| Clear Spring Health | $16.60 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
Medicare Special Needs plans
The Minneapolis, Minnesota Medicare Advantage plans include coverage for people with special needs, depending on your location. If you suffer from chronic disabilities or medical conditions, Special Needs Plans (SNPs) can help by providing additional coverage and reducing costs.
Medica (HMO) offers zero monthly premiums with a MOOP of $7,550 for dual-eligible beneficiaries with both Medicare and Medicaid.
UCare (HMO) has a monthly premium of $12 with a MOOP of $5,000 and institutional eligibility.
UnitedHealthcare is another highly reputable name. UnitedHealthcare’s Local PPO SNP has a competitively low MOOP of $1,800 and a monthly premium of $36.20.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UCare | $0 | $0 | HMO | Dual |
| Medica | $0 | $7,550 | HMO | Dual |
| HealthPartners | $0 | $0 | HMO | Dual |
| UCare | $12.00 | $5,000 | HMO | Institutional |
| UnitedHealthcare | $36.20 | $1,800 | LOCAL PPO | Institutional |
FAQs
What are the four parts of Medicare in Minneapolis?
In Minneapolis, the four parts of Medicare include Part A, B, C, and D.
Part A pays for hospital stays, skilled nursing facilities, and home health care, while Part B covers doctor visits and medical services such as blood tests, X-rays, and preventative care. Part C, also known as Medicare Advantage, provides an alternate way to get Medicare.
Lastly, Part D pays for prescription medications.
How much is Medigap Plan G in Minneapolis, Minnesota?
Medicare Supplement Plan G offers the most comprehensive plan for Medicare beneficiaries. Minnesota doesn’t follow the Centers for Medicare & Medicaid Services standardization rules. Their Medigap plan G equivalent ranges from $63 to $756 per month.
Can I Change my Medigap Policy at Any Time in Minneapolis, MN?
Yes, you can change your Medigap policy at any time of the year. However, changing Medigap plans outside the Open Enrollment Period will likely subject you to medical underwriting for enrollment approval.
Can You Switch from Medicare Advantage plans to Medigap in Minneapolis, MN?
Yes. To switch from Medicare Advantage plans to Medigap, you must meet specific requirements. Start by dropping your Medicare Advantage plan during the Open Enrollment Period or the Annual Enrollment Period. Once you drop your MA plan, you can enroll in a Medigap plan.
How Much Is the Medicare Part A Premium in Minneapolis, MN?
Most Minneapolis Medicare beneficiaries enjoy premium-free Part A of Medicare, so long as they have a minimum ten-year work and Medicare tax history. However, high-income Medicare beneficiaries could pay more. Likewise, beneficiaries who don’t qualify for premium-free part A could pay up to $506 monthly for Part A benefits.
How to Sign Up for Supplemental Medicare in Minneapolis
We provide a free service to help you find the right Minneapolis, Minnesota, Medicare plan. Our team can answer any questions or doubts you may have.
To get started, call us or complete our online form to get rates.
