Best Medicare Advantage Plans Minnesota 2025

If you’re in search of the best Medicare Advantage plans in Minnesota, look no further.

Our straightforward guide compares the best Medicare Advantage plans in Minnesota 2025 to provide clear rankings based on coverage, cost, and perks, helping you choose a plan with confidence.

 

Key Takeaways

  • Minnesotans have several top-rated Medicare Advantage Plan providers to choose from in 2025, offering extensive benefits including zero-premium plans, prescription drug perks, and Part B premium reductions.

 

 

  • Enrollment periods and eligibility criteria are crucial to understand when signing up for Medicare Advantage Plans, with specific times of the year designated for enrolling, switching, or dropping a plan.

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Unveiling Top-Rated Medicare Advantage Plans in Minnesota for 2025

Selecting the best Medicare Advantage plan requires one to be knowledgeable about the top-rated options available in their area.

 

Compare medicare advantage plans in minnesota

 

 

For Minnesotans, the best Medicare Advantage plans for 2025 include:

 

These Medicare plan options provide an extensive range of benefits that go beyond original Medicare, ensuring that you have comprehensive healthcare coverage tailored to your needs.

What differentiates these plans from the rest? We’ll explore the specific features that set these plans apart, such as zero-premium health plans, exceptional benefits for prescription drugs, and significant Part B premium reductions.

 

Spotlight on Zero-Premium Health Plans

Zero-premium health plans are like the golden ticket of Medicare Advantage plans – offering comprehensive coverage without a monthly premium payment. These plans are offered in Minnesota by providers such as HealthPartners, Blue Cross and Blue Shield of Minnesota, and Humana.

They’re a fantastic option for individuals who want to enjoy the benefits of a Medicare Advantage plan without the monthly premium costs.

One provider that stands out from the crowd is Humana. Their zero-premium Medicare Advantage plans in Minnesota include routine dental, vision, and hearing benefits in addition to the standard coverage, making them a compelling choice for comprehensive health coverage.

 

Exceptional Plans with Prescription Drug Perks

Prescription drugs can be a significant expense, which is why it’s crucial to consider Medicare Advantage plans that offer prescription drug coverage. Blue Cross and HealthPartners are among the 2025 Medicare Advantage Plans in Minnesota that offer this benefit as part of their Medicaid services.

 

Minnesota medicare advantage plans

 

 

Quartz Medicare Advantage stands out by offering zero-dollar drug deductibles, which means beneficiaries don’t have to pay a deductible for prescription drugs, providing drug coverage without initial out-of-pocket expenses. This feature can be a game-changer for individuals who require regular medication.

 

Plans with Part B Premium Reductions

Another noteworthy feature of some Medicare Advantage plans is the Part B premium reduction. This reduction can cover the full Part B premium of $174.70 per month, resulting in a reduced monthly premium for beneficiaries who pay their Part B premium directly to Medicare.

In Minnesota, UCare provides a Part B reduction of $17, and Humana offers the Medicare Giveback Benefit for Part B premium reduction. In fact, 19% of plans in Minnesota are expected to provide some form of Part B premium reduction in 2025. This could translate into significant savings for Medicare Advantage enrollees.

 

Navigating Plan Choices: HMO, PPO, and More

A key step in choosing the right Medicare Advantage plan involves familiarizing oneself with the various types of plans available – primarily HMO and PPO plans. HMO plans generally offer reduced monthly premiums and lower out-of-pocket expenses in contrast to PPO plans.

 

Medicare advantage plans in minnesota 2025

 

 

In Minnesota, HMO plans may necessitate a referral from your primary care doctor prior to consulting a specialist while PPO plans offer a network of preferred providers, allowing you to generally select any doctor or specialist within the PPO network without needing a referral.

We’ll explore these two types of plans in more detail.

 

Understanding HMO Plans

Health Maintenance Organization (HMO) plans are a popular type of Medicare Advantage plan that provides an extensive range of benefits including coverage for prescription drugs (Part D) in addition to what Medicare typically covers.

These health plan options, known as HMO plans, operate by requiring individuals to receive care and services from healthcare providers within the plan’s network, typically involving having a primary care doctor and obtaining referrals for specialists.

This network-based approach can result in lower out-of-pocket costs, making HMO plans an attractive option for cost-conscious beneficiaries.

 

The Flexibility of PPO Plans

On the other hand, Preferred Provider Organization (PPO) plans provide greater flexibility when it comes to choosing healthcare providers. A PPO plan operates with provider networks, allowing individuals to visit any provider that accepts Medicare, typically at a higher cost.

This flexibility to choose any doctor or specialist within the PPO network without needing a referral can be particularly beneficial for individuals who require specialized care or prefer to have a broader choice of providers.

Plus, with cost-effective PPO Medicare Advantage plans provided by HealthPartners in Minnesota, you don’t have to compromise on affordability for flexibility.

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Essential Benefits Beyond Original Medicare

What makes Medicare Advantage plans attractive is the extensive benefits they offer above and beyond Original Medicare. These plans can provide Medicare Advantage coverage for dental, vision, and hearing in addition to the coverage provided by Original Medicare.

 

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Prescription drugs are also covered under Minnesota’s Medicare Advantage plans. For instance, Blue Cross and Blue Shield of Minnesota Medicare Advantage plans, HealthPartners Medicare Advantage plans, and Wellcare Medicare Advantage plans provide comprehensive dental coverage.

These additional benefits make Medicare Advantage plans an attractive choice for beneficiaries seeking extensive coverage.

 

Finding Your Fit: Selecting the Right Medicare Advantage Plan

With the plethora of options at your disposal, finding the right Medicare Advantage plan can feel overwhelming.

However, by considering your unique needs, and by evaluating out-of-pocket costs, coverage for chronic conditions, and plan availability in your area, the task can become much more manageable.

 

Evaluating Out-of-Pocket Costs

It’s vital to factor in potential out-of-pocket costs when choosing a Medicare Advantage plan. These include the monthly premium costs, the average out-of-pocket limit for in-network services, which is $4,835, and the Part B premium, which is currently $170.10 per month.

The average premiums for Medicare Advantage plans typically range from $14 to $17 per month. But it’s important to note that the annual out-of-pocket maximum for Part C plans, which is $8,850 for approved services in 2025, is a more critical factor for your financial planning.

 

Considering Coverage for Chronic Conditions

If you have a chronic condition, you should carefully evaluate the coverage options suited to your particular health needs.

Medicare Advantage plans in Minnesota provide extensive coverage for chronic conditions, including:

 

  • Medical benefits
  • Prescription drug benefits
  • Dental benefits
  • Vision benefits
  • Hearing benefits

 

Certain plans may offer exclusive medical coverage and innovative benefits for chronic conditions, such as wellness and health care planning, reduced cost-sharing, and rewards. By considering these factors, you can select a plan that best caters to your chronic condition.

 

Checking Plan Availability in Your Area

Lastly, checking the availability of Medicare Advantage plans in your area is a necessity as plan offerings may vary by county and ZIP code. You can check the availability of Medicare Advantage plans in your area by using Medicare’s Plan Finder tool or by consulting with the insurance companies to see if the medicare advantage plan required is available in your state or specific counties.

The availability of Medicare Advantage plans can be significantly influenced by your ZIP code. Therefore, it’s paramount to ensure that the plan you’re eyeing is available in your area.

 

Enrollment Periods and Eligibility Criteria

After identifying the right plan, understanding the enrollment periods and eligibility criteria for Medicare Advantage plans is imperative.

The Initial enrollment period for Medicare Advantage plans in Minnesota is a seven-month period that includes the three months before, the month of, and the three months after you first become eligible for Medicare.

Additionally, there is an Annual Enrollment Period from October 15 to December 7 each year, during which individuals can enroll in, switch, or drop a Medicare Advantage plan.

There’s also a Medicare Advantage Open Enrollment Period from January 1 to March 31 each year when beneficiaries have the opportunity to switch to a different Medicare Advantage plan or switch back to Original Medicare.

 

Largest medicare advantage plans

Comprehensive Comparison of Minnesota’s Medicare Advantage Providers

Having understood the basics of Medicare Advantage plans and the enrollment process, we’ll now examine the top providers in Minnesota more closely. Each provider offers unique features, benefits, and plan options, so you’ll want to choose the one that best aligns with your healthcare needs.

UnitedHealthcare’s Medicare Advantage plans, such as AARP Medicare Advantage, provide a range of health care benefit plan choices and extra benefits beyond Original Medicare. On the other hand, most Medicare Advantage plans in Minnesota, including Aetna’s, consist of HMO-POS plans, PPO plans, and Dual Special Needs Plans (DSNP).

Meanwhile, Blue Cross Blue Shield’s Medicare Advantage plans in Minnesota provide additional benefits including:

 

  • Travel
  • Dental coverage
  • Fitness program
  • Hearing aid savings
  • Eyewear allowance
  • Over-the-counter allowance
  • Acupuncture

 

And let’s not forget Humana, whose Medicare Advantage plans in Minnesota stand out by offering routine dental, vision, and hearing benefits in all their 2025 plans.

 

Maximizing Your Medicare Advantage Benefits

Beyond understanding the different types of Medicare Advantage plans and choosing the right one, knowing how to maximize your benefits is equally important.

 

Medicare advantage plans list

 

 

Medicare Advantage plans typically offer additional benefits including:

  • Vision
  • Dental
  • Hearing
  • Wellness programs
  • Some unique non-medical supplemental benefits

 

One can optimize the utilization of telehealth services in Medicare Advantage plans by leveraging the coverage provided by Medicare for remote consultation and medical services, including outpatient services.

Additionally, some plans offer specific telehealth benefits for at-home patients.

Fitness programs, such as gym memberships, are a component of the supplementary coverage provided by certain Medicare Advantage plans, aiming to enhance the physical health of beneficiaries.

 

Partnering with a Licensed Insurance Agent

Navigating the Medicare Advantage landscape can be complicated, and that’s where partnering with a licensed insurance agent can prove to be invaluable. A licensed insurance agent can assist you in navigating the Medicare process, comprehending your options, and selecting the appropriate coverage for your requirements.

Insurance agents, also known as navigators, can assist with creating an account, applying, and enrolling in a Medicare Advantage plan in Minnesota.

They have expertise in MinnesotaCare and Medical Assistance enrollment and can offer educational and informational resources to support informed decision-making.

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Summary

In conclusion, choosing the right Medicare Advantage plan in Minnesota requires understanding the different types of plans, evaluating out-of-pocket costs, considering coverage for chronic conditions, and checking plan availability in your area.

Remember, partnering with a licensed insurance agent can provide valuable assistance in this process. By taking the time to understand your options, you can ensure you select the right plan for your healthcare needs.

 

 

Frequently Asked Questions

 

Which Medicare Advantage plan has the highest rating?

The Humana Medicare Advantage plan has the highest rating due to its quality ratings, customer satisfaction, widespread availability, and numerous $0-per-month plans, making it the best choice for 2025.

 

How much will the Medicare Advantage plans cost in 2025?

In 2025, the average monthly premium for Medicare Advantage plans is expected to be $18.50, with some variation based on the insurer and level of coverage.

Some enrollees may also pay different amounts, with 10% paying at least $50 a month and 3% paying $100 or more.

 

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers. These factors are commonly cited as reasons for the exodus.

 

What are the top-rated Medicare Advantage plans in Minnesota for 2025?

The top-rated Medicare Advantage plans in Minnesota for 2025 include Aetna Medicare, Anthem, Blue Cross & Blue Shield, Cigna, Humana, UnitedHealthcare, Wellcare, Blue Plus, HealthPartners, UCare, and UCare’s MSHO.

 

What are some of the additional benefits offered by Medicare Advantage plans beyond Original Medicare?

Medicare Advantage plans offer additional benefits like vision, dental, hearing, and wellness programs, providing more comprehensive coverage for individuals.

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To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

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Speak with a licensed insurance agent

1-844-350-0776
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Mon-Fri : 8am-9pm ET