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Medicare Advantage Plans (Part C) in Minnesota

No obligation to enroll

Understanding Medicare Advantage Plans in Minnesota

If you’re a Minnesota resident who is about to turn 65, it’s time to learn about Medicare Insurance and your healthcare coverage options. Because the federal government program is not always easy to navigate on your own, it can be helpful to have an advocate like SelectQuote who can assist you in understanding what a Medicare Advantage plan will provide as well as what it will cost you.

Let’s start with the Medicare Insurance basics. Medicare Part A covers medical insurance while Medicare Part B covers doctor’s office insurance. Medicare Part C is also known as Medicare Advantage (MA) and an MA plan replaces Medicare Part A and Medicare Part B coverage. Medicare Advantage plans are available from private insurance companies throughout Minnesota and offer at least the same level of coverage as Medicare Parts A and B.

Many Minnesota residents select a Medicare Advantage plan because of the additional benefits included. Minnesota residents desiring coverage for dental, hearing and vision and other routine medical services may want to consider a Medicare Advantage plan in Minnesota as these benefits are typically included.

Understanding Medicare Advantage Plans in Minnesota

If you’re a Minnesota resident who is about to turn 65, it’s time to learn about Medicare Insurance and your healthcare coverage options. Because the federal government program is not always easy to navigate on your own, it can be helpful to have an advocate like SelectQuote who can assist you in understanding what a Medicare Advantage plan will provide as well as what it will cost you.

Let’s start with the Medicare Insurance basics. Medicare Part A covers medical insurance while Medicare Part B covers doctor’s office insurance. Medicare Part C is also known as Medicare Advantage (MA) and an MA plan replaces Medicare Part A and Medicare Part B coverage. Medicare Advantage plans are available from private insurance companies throughout Minnesota and offer at least the same level of coverage as Medicare Parts A and B.

Many Minnesota residents select a Medicare Advantage plan because of the additional benefits included. Minnesota residents desiring coverage for dental, hearing and vision and other routine medical services may want to consider a Medicare Advantage plan in Minnesota as these benefits are typically included.

Compare Medicare plans and request a free quote today!

Am I Eligible for a Medicare Advantage Plan in Minnesota?

In Minnesota, there are two criteria for determining eligibility for Medicare Part C. The first is if you’re already eligible for Medicare Parts A and B. The second is if you live in a county or zip code in Minnesota where Medicare Advantage plans are sold. Understanding medical needs can increase with age, a Medicare Advantage plan specific to Minnesota residents may save you some money because many Medicare Advantage plans have $0 monthly premiums. Copayments, coinsurance and deductibles vary depending on the Medicare plan in which you enroll.

Minnesota residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance (Medigap) plan at the same time. A Medicare Supplement Insurance plan (Medigap) helps cover some of the gaps in coverage like copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by Medicare Advantage Plans in Minnesota?

Those living within the 87 counties of Minnesota who are looking for prescription drug coverage should consider a Medicare Part C plan as most Medicare Advantage plans also include Part D prescription drug coverage. A Medicare Advantage plan with prescription drug coverage is called a MAPD and can help to cover the cost of prescription drugs.

Minnesota residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance (Medigap) plan at the same time. A Medicare Supplement Insurance plan (Medigap) helps cover some of the gaps in coverage like copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by Medicare Advantage Plans in Minnesota?

Those living within the 87 counties of Minnesota who are looking for prescription drug coverage should consider a Medicare Part C plan as most Medicare Advantage plans also include Part D prescription drug coverage. A Medicare Advantage plan with prescription drug coverage is called a MAPD and can help to cover the cost of prescription drugs.

What Are the Most Popular Medicare Advantage Plans in Minnesota?

Finding the right Medicare Advantage plan in Minnesota is as unique as the person the plan is there to support. As reported by the Centers for Medicare & Medicare Services (CMS.gov), among Minnesota residents who are enrolled in Medicare Advantage, over one-half (54.6%) choose a Local PPO while nearly one-third (32.1%) chose an HMO/HMOPOS. Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Minnesota.

You can become more informed about Medicare Advantage plans available in Minnesota by contacting a SelectQuote licensed sales agent who can guide you through the Medicare maze. Acting as your advocate, our licensed sales agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help find a plan that meets your individual needs and budget.

When are the Medicare Advantage Enrollment Times in Minnesota?

Enrollment in a Medicare Advantage plan occurs during specified enrollment periods. Medicare enrollment in Minnesota opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends 3 months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Minnesota resident with a January birthday, your IEP runs from October through April.

You may also enroll in a Medicare Advantage plan during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period (AEP), which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Minnesota residents can:

  • Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
  • Change from one Medicare Advantage Plan to another
  • Switch from one Prescription Drug (Part D) plan to another
  • Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Minnesota residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a Minnesota Medicare Advantage Plan Right for You?

Residents of Minnesota can contact SelectQuote and we will help you determine if you’re getting the Medicare Insurance benefits you deserve. We can also help you stay up to date on changes insurance companies make to Medicare plans. As a trusted third-party company specializing in helping consumers understand the ins and out of Medicare, SelectQuote is here to help you find the right Minnesota Medicare Advantage plan to meet your specific needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

Is a Minnesota Medicare Advantage Plan Right for You?

Residents of Minnesota can contact SelectQuote and we will help you determine if you’re getting the Medicare Insurance benefits you deserve. We can also help you stay up to date on changes insurance companies make to Medicare plans. As a trusted third-party company specializing in helping consumers understand the ins and out of Medicare, SelectQuote is here to help you find the right Minnesota Medicare Advantage plan to meet your specific needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.