There are 84,542 Rochester, Minnesota, Medicare Part A and B beneficiaries. Original Medicare fee-for-service beneficiaries comprise 52,357 of the total enrollees, while those with Medicare Advantage represent 38.07% of the participants.

Medicare plans in Rochester, Minnesota

Rochester residents can save on costs Medicare in Minnesota doesn’t cover with a Supplemental plan. Medicare Advantage and Medigap are ideal options for additional coverage. The following are Supplemental plan quotes based on a male aged 70 living in Rochester.

Medicare Advantage plans

Rochester, Minnesota, Medicare Advantage patients make up 32,185 beneficiaries. The average enrollee age is 73, and there are 18 Medicare Advantage plans for Rochester Minnesotans residing in Olmsted County.

Rochester residents have several excellent options. Medica (Local PPO) features a zero-dollar premium and $5,500 maximum out-of-pocket. It has a favorable four out of five-star rating, indicating the plan’s overall effectiveness.

UCare (HMO-POS) also features no monthly premium and a $5,500 MOOP. Patients choose it for its extra fitness and wellness benefits. It has a perfect five-star rating.

Blue Cross Blue Shield of Minnesota (Local PPO) is a trustworthy carrier with a long-running history. It provides excellent performance with its four-star rating. You’ll pay a zero-dollar monthly premium and can pay up to $4,900 MOOP.

The average cost of Medicare Advantage plans in Rochester, Minnesota

PLAN PREMIUM MOOP Plan Type Star Rating
Medica $0 $5,500 LOCAL PPO 4
UCare $0 $5,500 HMO-POS 5
Humana $0 $7,550 HMO-POS 5
BCBS of Minnesota $0 $4,900 LOCAL PPO 4
UCare $0 $7,550 HMO-POS 5

Medicare Supplement plans

Minnesota Medigap plans are healthcare coverage plans that handle gaps in coverage that Medicare Part A and Part B don’t cover. Patients have different premiums depending on their location and other factors. Medigap benefits remain the same across the country and with different carriers.

Rochester, MN, patients don’t have typical Medigap letter plans. Instead, there are various levels of coverage with the same benefits as many of these letter plans. Minnesota Basic premiums range from $139.73 to $274.21.

Minnesota Extended offers a low monthly premium of $213.27. The highest premium patients may pay $755.58 monthly. Patients get coverage for deductibles, coinsurance, and portions of medical treatments like physical therapy.

The Minnesota HD plan is a high-deductible plan. Patients who prefer lower monthly premiums can pay a higher deductible to lower their rates. You’ll pay between $57.99 and $175.11 per month for this type of plan.

The average cost of Medicare Supplement plans in Rochester, Minnesota

MINNESOTA 50% $132.30 $139.16
MINNESOTA 75% $188.15 $209.16
MINNESOTA 50% A $267.73 N/A
MINNESOTA BASIC $139.73 $274.21
MINNESOTA EXTENDED $213.27 $755.58
MINNESOTA HD $57.99 $175.11
MINNESOTA HD 2 $64.65 $77.72
MINNESOTA PBCO $137.27 $309.59
MINNESOTA XBAS $196.73 $528.67

Medicare Part D prescription drug plans

Rochester, Minnesota, Medicare Part D plans offer standalone coverage for prescription drugs. Since only some Medicare Advantage and no Medigap plans offer these benefits, patients must sign up through a private carrier to receive prescription drug coverage in Minnesota.

A plan from Aetna costs $6.80 monthly. However, patients must pay a $480 deductible before coverage kicks in. The plan’s three-star rating indicates overall favorable reviews.

Humana offers a plan with a four-star rating and excellent prescription coverage benefits. The monthly premium costs $22.70, and the deductible is $480.

United Healthcare offers the most expensive option, with a $29.30 premium. Patients must pay a lower deductible of $310. In addition, the plan’s four-star rating makes it a top choice among Rochester patients.

The average cost of Medicare Part D plans in Rochester, 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

Medicare Special Needs Plans (SNPs) plan with benefits suitable for disabled or special needs individuals. Not all patients can access these plans, as they are only available in certain areas. You must meet the eligibility requirements for an SNP.

Many SNPs in Rochester, including the following, feature a zero-dollar premium. UCare (HMO) offers a highly affordable option with a zero-dollar maximum out-of-pocket cost. The plan is available to dual-eligible beneficiaries or those with Medicare and Medicaid.

Blue Plus (HMO) offers a zero-dollar premium and MOOP. This Blue Cross Blue Shield plan requires you to be eligible for Medicaid and Medicare. You’ll get zero-dollar copays and more.

Patients consider Medica (HMO) for its $7,550 maximum out-of-pocket costs. There is a zero-dollar premium, and patients must be dual-eligible.

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

PLAN PREMIUM MOOP Plan Type Eligibility
UCare $0 $0 HMO Dual
Medica $0 $7,550 HMO Dual
Blue Plus $0 $0 HMO Dual
UCare $0 $0 HMO Dual

How to sign up for Medicare plans in Rochester

To sign up for Rochester, Minnesota, Medicare, apply online or through your local Department of Human Services. Before applying, visit to get details on the available plans in your area. We compare top plans to help you find the best one.

We work with all carriers to ensure Rochester patients get medical coverage and offer service at no extra cost. Please fill out our online rate form or call us to get rates today!

Written By:
Picture of the author
Lindsay Malzone, Lindsay Malzone is the Medicare editor for 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:
Picture of the expert
Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at 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.