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.

Medicare plans in Minneapolis, Minnesota

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.

Medicare Advantage plans

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.

The average cost of Medicare Advantage plans in Minneapolis, Minnesota

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

Medicare Supplement plans

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.

The average cost of Medicare Supplement plans in Minneapolis, Minnesota

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

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 monthly.

The average cost of Medicare Part Dplans in Minneapolis, Minnesota

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

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.

The average cost of Medicare Special Needs plans in Minneapolis, Minnesota

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

How to sign up for Medicare plans 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.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.