## Plan overview ### Why choose a Blue Cross Medicare Advantage plan? Our Medicare Advantage (PPO) plans offer medical and prescription drug coverage, plus benefits and care options beyond Original Medicare (Part A and Part B). Medical-only plans are available if you already have creditable drug coverage through the VA, TRICARE or similar. **Medicare Advantage eligibility requirements:** - Have Medicare Part A - Have Medicare Part B - Live in a county where the plan is available [Learn more about how a Medicare Advantage plan works](/understanding-health-insurance/learn-about-medicare/understanding-medicare/medicare-part-c "Medicare Part C") ### Available for these counties **Metro Region** Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, Wright **West Region** Becker, Beltrami, Benton, Big Stone, Brown, Cass, Chippewa, Clay, Clearwater, Cottonwood, Crow Wing, Douglas, Grant, Hubbard, Jackson, Kandiyohi, Kittson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Morrison, Murray, Nobles, Norman, Otter Tail, Pennington, Polk, Pope, Red Lake, Redwood, Renville, Roseau, Stearns, Swift, Todd, Wadena, Wilkin **South Region** Blue Earth, Dodge, Faribault, Fillmore, Freeborn, Houston, Martin, Mower, Nicollet, Olmsted, Steele, Wabasha, Waseca, Watonwan, Winona *Not all Medicare Advantage plan levels are available in all counties.* SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### Medical Access to **98%** of doctors in Minnesota,2 including Allina Health, HealthPartners, Mayo Clinic®, Park Nicollet and more SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### Pharmacy Access to thousands of in-network pharmacies SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Dental Preventive and/or comprehensive dental coverage [Dental benefits overview](/our-plans/medicare-plans/medicare-advantage-plans/medicare-advantage-ppo-dental-benefits "Medicare Advantage PPO dental benefits overview") SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### Travel Travel up to 12 consecutive months in the U.S. and get in-network benefits from select providers ## Benefits ## Included benefits and care options SVG .cls-1, .cls-2 { stroke-miterlimit: 10; } .cls-1, .cls-2, .cls-3 { fill: none; stroke: #231f20; } .cls-1, .cls-3 { stroke-width: 2px; } .cls-2 { stroke-width: 1.86px; } .cls-3 { stroke-linecap: round; stroke-linejoin: round; } ### Hearing Hearing screening and aids benefit (up to 2 aids per year) with $0 upgrade to rechargeable battery option on select styles through TruHearing® [View hearing benefits](https://www.truhearing.com/bcbsmnma/) SVG .cls-1, .cls-2, .cls-3 { fill: none; stroke: #231f20; stroke-width: 2px; } .cls-2, .cls-3 { stroke-miterlimit: 10; } .cls-3 { stroke-linecap: square; } ### Vision Eyewear allowance benefit for glasses or contact lenses SVG .cls-1 { stroke-miterlimit: 10; } .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-linecap: round; stroke-width: 2px; } .cls-2 { stroke-linejoin: round; } ### Meal benefit Receive 2 meals per day, up to 14 days, at no additional cost following necessary inpatient stay [Learn more about meal benefit](/our-plans/medicare-plans/medicare-advantage-plans/post-discharge-meals) SVG .cls-1 { stroke-miterlimit: 10; } .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-width: 2px; } .cls-2 { stroke-linejoin: round; } ### Acupuncture and Chiropractic Routine acupuncture benefits and Medicare-covered chiropractic services for manipulation of the spine ![A pharmacist handing a senior a box of medication.](/sites/default/files/styles/3x2_third/public/0523ca4c-a024-450c-984e-0e11f267881f.jpg.webp?itok=OEPffHWE) ### Over-the-counter (OTC) allowance Receive a semi-annual3 allowance to purchase eligible over-the-counter medications and health-related items to help you live a healthy lifestyle. Available for select plans. [Learn more about OTC benefit](/our-plans/medicare-plans/over-counter-allowance-benefit) ![A group of seniors exercising.](/sites/default/files/styles/3x2_third/public/72f0e631-5a19-41de-a68f-c96d591ba00a.jpg.webp?itok=CgFhM0Cj) ### SilverSneakers fitness program SilverSneakers® is an opportunity to improve your health, gain confidence and connect with your community. Get access to thousands of fitness locations nationwide, on-demand workout videos and online classes. [Learn more about SilverSneakers](/our-plans/medicare-plans/silversneakers-fitness-program-seniors) ![A senior person on a video call with a doctor in their living room.](/sites/default/files/styles/3x2_third/public/1df2cca5-02b6-4d2a-8695-8429dcf3d30d.jpg.webp?itok=VHXAgeJ9) ### Online care See a doctor right on your smartphone, tablet or computer from providers that offer telehealth and online care through Doctor On Demand. [Visit Doctor On Demand](https://doctorondemand.com/microsite/bcbsmn/) ## Plan options ## Choose your level of coverage Our Medicare Advantage plans offer up to four levels of coverage and cost sharing. Each plan pays a different amount toward medical coverage and prescription drugs. The right plan depends on how often you visit the doctor or pharmacy and how much you want to pay monthly versus paying when you get care. ### Core Good option if you don't go to the doctor or pharmacy very often. - Lower monthly premium - Higher costs when you get care - Preventive dental coverage ### Comfort Good option if you live in the Metro or West region and visit the doctor or pharmacy occasionally. - Midrange monthly premium and costs when you get care - Preventive and comprehensive dental coverage *Not available in South region* ### Choice Good option if you aren't sure how often you'll go to the doctor or pharmacy. - Moderate monthly premium and costs when you get care - Preventive and comprehensive dental coverage ### Complete Good option if you need more coverage and go to the doctor or pharmacy often. - Higher monthly premium - Lower costs when you get care - Preventive and comprehensive dental coverage ![An American flag outdoors.](/sites/default/files/styles/3x2_third/public/026d9aa1-d17c-44e5-8345-b77dc9604d39.jpg.webp?itok=CbTB97Fo) ### For Veterans Freedom BlueSM is a $0 premium medical-only Medicare Advantage plan built for Veterans. A good option if you currently have creditable drug coverage through the VA, TRICARE or similar. [Learn more about Freedom Blue](/our-plans/medicare-plans/medicare-advantage-plans/freedom-blue) ## Support and resources ![Adults attending a workshop](/sites/default/files/styles/3x2_third/public/dam/mqmm6zgmxy/adults-medicare-workshop-istock-1145049554-rt-web.jpg.webp?itok=BCx5gJJV "adults-medicare-workshop-istock-1145049554-rt-web.jpg") ### Free Medicare Workshops Join us for a free, no obligation, in-person or virtual Medicare workshop to learn about Medicare and available plans based on the county you live in. [Register for a workshop](https://bcbsmn-retail.my.salesforce-sites.com/registration/) ![Advisor helping senior couple](/sites/default/files/styles/3x2_third/public/dam/uwanwdnnuo/seniors-advisor-meeting-istock-1461150525-rt-web.jpg.webp?itok=7lTqhNHb "seniors-advisor-meeting-istock-1461150525-rt-web.jpg") ### It doesn't have to be hard **Our Blue Cross Advisors are here to:** - Help you learn about Medicare basics and our plans - Assist you in finding a plan that meets your needs - Help you enroll in a plan [Connect with a Blue Cross Advisor](/our-plans/blue-cross-advisors) SVG .cls-1 { fill: #231f20; } .cls-2, .cls-3 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-3 { stroke-linecap: square; } ### Order a Medicare Advantage enrollment packet You can use this paper packet to enroll in a plan by mail and to compare plan options, benefits, costs, and coverage. [Order enrollment packet](/understanding-health-insurance/learn-about-medicare/medicare-materials) SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Enroll by phone Give us a call to speak to a Medicare expert. **1-877-554-1272** **(TTY** call **711)** Help is available from 8 a.m. to 8 p.m. Central Time, daily SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### Work with an agent An agent can guide you through the entire decision-making process, helping you find the best value for your healthcare dollar. [Find an agent](https://agentfinder.bluecrossmn.com) ## Enroll today ### Compare plans and enroll online Enter your ZIP code [Compare and enroll](https://bcbsminnesota1.destinationrx.com/PC/2026/Shopping/PlanList) *1Based on enrollment data from CMS February 2025.* *2Medicare-contracted doctors compared to internal Blue Cross and Blue Shield of Minnesota data, April 2025. Some network limitations may apply.* *3Six-month balance does not carry over.* *Travel coverage is limited to in the United States only. Only emergency services are covered when traveling worldwide.* *Blue Cross offers PPO plans with Medicare contracts. Enrollment in these Blue Cross plans depends on contract renewal.* *Doctor On Demand® by Included Health is an independent company providing telehealth services.* *TruHearing® is a registered trademark of TruHearing, Inc., an independent company who works with health plans to offer low out-of-pocket costs on hearing aids.* *CVS Pharmacy, Inc. d/b/a OTC Health Solutions is an independent company providing OTC supplemental benefit administrative services.* *You will need to get prior authorization from your provider for certain services. A prior authorization, or pre-approval for a medical service, helps ensure you are getting proper care. Learn more about prior authorizations and when they’re needed.* *Enrollment in the plan after December 31, 2025 cannot be guaranteed. Either CMS or the plan may choose not to renew the contract, or the plan may choose to change the area it serves. Any such change may result in termination of your enrollment. This information is not a complete description of benefits. Call (651) 662-9949 or 1-855-441-5796 for more information.* *SilverSneakers® is a registered trademark of Tivity Health, Inc., an independent company that provides health and fitness programs. Blue Cross Medicare Advantage, Platinum Blue, Senior Gold and other Medicare Supplement and SecureBlue plans are eligible.* *Prime Therapeutics LLC is an independent company providing pharmacy benefit management services.* [*Medicare complaint form*](https://www.medicare.gov/MedicareComplaintForm/home.aspx) *S5743\_090825\_G02\_M* *Y0138\_090825\_ G01\_M*