## Plan overview ## Minnesota Value While only residents of the counties listed below can enroll in Blue Plus Minnesota Value, the network providers you can use for your healthcare needs are located statewide and include health systems such as Allina Health, Altru, CentraCare, M Health Fairview, and Sanford Health. [Find care in the Blue Plus Minnesota Value network](http://bluecrossmn.com/minnesotavaluenetwork) ### Shop through MNsure MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs. [Get a quote and enroll with MNsure](https://www.mnsure.org/) ## Key in-network providers ### The Blue Plus Minnesota Value Network includes:\* - 122 hospitals - 14,633 primary care providers - 40,410 specialty care providers ### Metro - Allina Health - Children’s Minnesota - M Health Fairview - North Memorial Health - Ridgeview Medical Center ### Central - CentraCare - Cuyuna Regional Medical Center ### Northeast - Essentia Health\*\*\*\* - Grand Itasca Clinic and Hospital ### Northwest/Southwest - Alomere Health - Altru Health System - CentraCare-Benson - Kittson Memorial Hospital and Clinic - Sanford Health ### Southeast - Gundersen Health System - Northfield Hospital and Clinics - Winona Health ### Blue Plus health plan documents - Summaries of benefits and coverage (SBC) - Benefit booklets [View and download plan documents](/understanding-health-insurance/commercial-plan-documents) ### We're here to help Give us a call: **1-800-262-0823** (TTY **711**) ### Blue Plus Minnesota Value is available in these Minnesota counties: *Aitkin, Anoka, Becker, Beltrami, Benton, Big Stone, Brown, Carlton, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cook, Cottonwood, Crow Wing, Dakota, Douglas, Grant, Hennepin, Hubbard, Isanti, Itasca, Jackson, Kanabec, Kandiyohi, Kittson, Koochiching, Lac qui Parle, Lake, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, McLeod, Meeker, Mille Lacs, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Pine, Pipestone, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Rock, Roseau, Scott, Sherburne, Sibley, St. Louis, Stearns, Stevens, Swift, Todd, Traverse, Wadena, Washington, Wilkin, Wright and Yellow Medicine* ## Plan details ## Choose your level of coverage and cost sharing We offer three levels of coverage and ways to pay for care. Each pays a different amount toward medical coverage and prescription drugs. The right plan depends on how often you visit the doctor or pharmacy, how much you want to pay when you get care, and how much you want to pay before your health plan begins to pay. ### Bronze Good option if you don’t go to the doctor or pharmacy very often. - Lower monthly premium - Higher deductible - Health savings account (HSA) compatible plans\*\*\* ### Silver Good option if you aren’t sure how often you’ll go to the doctor or pharmacy. - Balance between monthly premium and deductible - HSA compatible plans available\*\* ### Gold Good option if you go to the doctor or pharmacy frequently. - Higher monthly premium - Lower deductible - HSA compatible plans available\*\* ## More options ### Add a health savings account (HSA) Some plans are compatible with HSAs from administrators like HealthEquity.® [Learn more about HSAs and HealthEquity](https://www.healthequity.com/) ### Add coverage to protect your overall health It's easy to add dental, vision or international travel insurance anytime. [Blue Cross Dental Plans](/our-plans/individual-family-health-plans/individuals-and-families-dental-plans) [Blue Cross Vision Plans](/our-plans/individual-family-health-plans/individuals-and-families-vision-plans) [International travel coverage](/our-plans/international-health-plans) ## Prescription drug coverage ### Pharmacy network Blue Plus individual and family health plans include coverage for prescriptions filled at pharmacies in the Essential Pharmacy Network. [Search pharmacy network](/essentialpharmacynetwork) ### Covered drug list Prescription drugs on the BasicRx drug list are covered by this plan. [View the BasicRx covered drug list](/individualdruglist2026) ## Featured benefits ## Health and wellbeing programs ### Blue Care Advisor Connect to everything you need to easily manage your healthcare. Access your personal plan information, resources and tools online or by downloading the Blue Care AdvisorSM app from your favorite app store. [Learn more about Blue Care Advisor](/member-resources/blue-care-advisor) ### Online Care Access board-certified doctors, psychiatrists and psychologists with Doctor On Demand® via smartphone, tablet or computer. [Visit Doctor On Demand](/find-care/doctor-demand) ### Omada online healthy lifestyle support Omada is personalized to help you reach your health goals — whether that’s losing weight, gaining energy, or improving your overall health. [More about Omada lifestyle support](https://www.omadahealth.com/) ### Online behavioral health therapy Concerned about substance use, stress, insomnia, depression, social anxiety, panic or resilience? Learn to Live is an online program that’s available anytime to help you work through it. [Learn to Live details](/member-resources/health-programs-discounts/learn-live) ### Quitting tobacco and vaping support Personalized guidance for developing a quit plan and ongoing support from a wellness coach. [Quitting tobacco support info](/quit-smoking-or-vaping-our-tobacco-support-article) ### Wellness discount marketplace Shop products and services that complement your health and get discounts from Blue365.® [Visit the Blue365 marketplace](https://www.blue365deals.com/BCBSMN/) ## Support and Resources ### Find your plan Compare Blue Plus plans and see your rates. [Decision guide — English](https://bluecrossmn.widen.net/content/6w6vyczlz5/original/individual-family-2026-medical-decision-guide-m04711r06.pdf "individual-family-2026-medical-decision-guide-m04711r06.pdf") [Decision guide — Spanish](https://bluecrossmn.widen.net/content/uevriugqqc/original/ifp-2026-spanish-decision-guide-m04711r06.pdf "ifp-2026-spanish-decision-guide-m04711r06.pdf") [Get a quote](https://shop.bluecrossmnonline.com/) [Download application](https://bluecrossmn.widen.net/content/ozvpw3ljd0/original/2026-individual-family-application.pdf) ### Shop through MNsure MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs. [Get a quote and enroll with MNsure](https://www.mnsure.org/) ![An adult with a headset on smiling.](/sites/default/files/styles/3x2_third/public/f3daa23a-8a77-4cdb-881f-69a2b330942f.jpg.webp?itok=ldB0oCd6) ### We’re here to help Call **1-800-262-0823** (TTY **711)** to speak to a sales associate. If you are a current Blue Cross or Blue Plus member, call the customer service number on the back of your member ID card. \*Numbers are subject to change and are reflective of signed contracts as of June 2025. \*\*Some plans are compatible with HSAs from investment HSA administrators such as HealthEquity.® \*\*\*Effective January 1, 2026, Bronze plans may be compatible with a health savings account (HSA). This information is not intended as tax advice, so please consult a tax professional if you have any questions. If you need help setting up an HSA, please consult an HSA administrator or your financial institution. Blue Plus is not a financial institution, nor can we provide tax advice. \*\*\*\* Essentia Health providers are in-network for the Blue Plus Minnesota Value Network for the following counties: Itasca, Crow Wing, Koochiching, Pine, Carlton, Lake, St. Louis (MN) and Douglas (WI). Essentia Health providers are out-of-network for Blue Plus Minnesota Value Network in these counties: Becker, Big Stone, Cass, Clay, Clearwater, Hubbard, Mahnomen, Morrison, Norman, Otter Tail, Pennington, Polk, Red Lake, Richland, Todd and Wadena. Blue Care AdvisorSM is an offering of Blue Cross® and Blue Shield® of Minnesota, a nonprofit independent licensee of the Blue Cross and Blue Shield Association. Doctor On Demand by Included Health is an independent company providing telehealth services. Learn to Live, Inc. is an independent company providing online cognitive behavioral therapy programs and services. Blue365® is a registered mark of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and/or Blue Shield plans. Each healthcare provider is an independent contractor and not our agent. HMO Minnesota, d.b.a. Blue Plus, an affiliate of Blue Cross and Blue Shield of Minnesota. View a list of the [network adequacy waivers](/find-care/about-networks/network-adequacy-waivers "Network adequacy waivers") the Minnesota Department of Health has approved for this plan. The Omada program is from Omada Health, Inc., an independent company providing a digital intensive behavioral counseling program.