Medicare Advantage Plans in Minnesota – Pathway Insurance Group

Minnesota Medicare Advantage Plans

In the State of Minnesota, there is a Medicare Advantage plan known as Medicare Part C. Medicare Part C acts as an alternative way to get Original Medicare, both Part A and Part B. A variety of insurance companies form contracts with Medicare, so that they can offer these plans. In those contracts, Minnesota Medicare advantage insurance companies are required to provide coverage at least at the same level as Original Medicare. Beyond that, insurance companies can offer even more benefits than you could get through Original Medicare. These benefits can include but are not limited to, dental, vision, hearing, or prescription drug coverage.

If you are looking for a Minnesota Medicare advantage plans that offer prescription drug coverage, you will get a plan that covers the benefits you would get with Medicare Part A, Part B, and Part D. When you are looking for one of these plans, make sure that you look at the formulary (the list of prescriptions coved by the plan) to make sure your medication is covered because not all policies cover all medications. These lists can change over time, but if that ever happens, the insurance company is required to notify you before so you can be prepared and switch plans if need be.

Types of Medicare Advantage Plans in Minnesota (MN)

As a Minnesota resident, you can access various types of Medicare Part C plans. The type you get will primarily depend on where you are living within the state.

In Minnesota, the are a variety of Medicare Part C plans that you can get depending on where you live in the state. Below you will find an explanation of some of the most popular:

In this post we will discuss in details some of the most popular types of Medicare Part C plans that may be availed to you (but depending on your physical location). Keep reading to the end to find out more.

Health Maintenance Organization Plans

These Medicare advantage plans, also known as HMO plans, are probably the most popular managed care plans. When you sign up for the plan, you will receive a network of providers. If you want coverage, you can only use those providers, but there is an exception for emergencies. You must also choose a primary care physician off of this list, and if you ever need a specialist, you must get a primary care referral first.

Health Maintenance Organization Plan or simply HMO plan is one of the most managed care Medicare supplement plans in Minnesota. If you subscribe to this plan, you will have your specific network of providers that you can rely on for all of your coverage needs (not unless in cases where you have emergencies). With this Medicare advantage plan, you are required to select your primary healthcare doctor who will give you referrals anytime you need to see a health care physician.

Preferred Provider Organization  Health Plans

The PPO Medicare plans give people much more flexibility when compared to HMO plans. You will typically receive a list of preferred providers, but you can use any provider for a slightly elevated cost. You also are not required a primary care doctor and will be covered if you see a specialist without a referral. This Medicare advantage plan is perfect for people looking for a little more flexibility or if you do not want a primary care specialist.

Just like the HMO, PPO Minnesota Medicare advantage plan offers a list of provider network but allows you to use any provider of your choice. You should however keep in mind that choosing a provider of your choice may see you incurring some higher costs. Unlike the HMO plan, PPO plan will not require you to have a primary health care specialist and you can seek for coverage without any referrals. It’s the most recommended plan if you are looking to enjoy being flexible.

Special Needs Health Plans

You only can get an SNP plan if you meet specific criteria set by the Medicare advantage insurance company. These criteria generally have to do with chronic conditions, living in an institution, or dual eligibility. Once you prove that you meet these special criteria, you can sign up for the Medicare advantage plan, which probably will have special benefits due to your special needs.

Unlike other Medicare plans we have just discussed above, Special Needs Plan or SPN Plan is not for every person. Instead, it’s for those with certain unique situations that meet the eligibility criteria as set by an insurance company. Normally, the Medicare advantage plan is limited to people living in institutions (e.g. nursing homes), those with certain chronic conditions, or those with dual eligibility. Only individuals who meet these criteria can subscribe to SPN plan. The plan features additional benefits as it’s meant for people with special needs.

Medicare Advantage Health Plans Savings Account

MSA plans combine medical savings accounts with high-deductible plans. The insurance company will deposit money that you can use to pay for Medicare expenses until you meet your yearly deductible, which tends to be higher than other plans on this list.

With the MSA plan, your medical saving account(s) will be combined with high-deductible plans. Your insurance company will avail funds that you can use to meet your Medicare expenses until when you can meet your yearly deductible. The plans are much high than other plans we’ve so far discussed on this list.

If you are currently looking for a Medicare Advantage plan in Minnesota, it is worth comparing multiple different plans to figure out what works best for you. Start by looking for what plans are offered in your area and then narrow it down based on the benefits you are looking for.

medicare advantage plans mn community plan medicare advantage plans Minnesota health plans

Medicare Insurance Plans

If you live in Minnesota, you are eligible to receive a Medicare insurance plan referred to as Medicare Part C. This is a Medicare insurance plan that gives you a different approach to access the original Medicare – part A and Part B. Such Medicare plans are offered through various private insurance companies that have entered into a contract with Medicare. Regardless of the Medicare insurance plan you choose, you should access the same levels of coverage as you would with your Original Medicare. However, with some Medicare insurance plans, you will likely access extra benefits such as hearing, dental, vision or prescription drugs.

Get in Touch With Pathway Insurance Today to Compare Insurance Rates

When looking for the best Medicare insurance plans in Minnesota, it’s a good idea to, first of all, compare all the available options and only pick the one that you feel it’s OK with you. Experts advise you to begin by searching for the plans available in your region and then narrow down depending on the specific benefits you need.

Other Services: