## Plan Overview

 ### About Freedom Blue

Our Freedom BlueSM medical-only Medicare Advantage plan is a good option if you already have creditable drug coverage through the VA, TRICARE or similar.

The plan includes extra benefits like over-the-counter flex card allowance, dental, eyewear allowance, hearing aid benefit, fitness program, acupuncture and routine chiropractic coverage.

**Freedom Blue eligibility requirements:**

- Have Medicare Part A
- Have Medicare Part B
- Live in a county where the plan is available



 

 

 

 ###  Available for these counties 

Anoka, Becker, Beltrami, Benton, Big Stone, Blue Earth, Brown, Carver, Cass, Chippewa, Chisago, Clay, Clearwater, Cottonwood, Crow Wing, Dakota, Dodge, Douglas, Faribault, Fillmore, Freeborn, Grant, Hennepin, Houston, Hubbard, Isanti, Jackson, Kandiyohi, Kittson, Lac qui Parle, Lake of the Woods, Lincoln, Lyon, Mahnomen, Marshall, Martin, Morrison, Mower, Murray, Nicollet, Nobles, Norman, Olmsted, Otter Tail, Pennington, Polk, Pope, Ramsey, Red Lake, Redwood, Renville, Roseau, Scott, Sherburne, Stearns, Steele, Swift, Todd, Wabasha, Wadena, Waseca, Washington, Watonwan, Wilkin, Winona, Wright



 

 

 



 

 

 

 

 

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### Medical

Access to **98%** of doctors in Minnesota,2 including Allina Health, HealthPartners, Mayo Clinic®, Park Nicollet and more



 

 

 



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### Premium giveback

Up to $135 monthly Medicare Part B premium giveback



 

 

 



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### Dental

Preventive and comprehensive dental coverage with a $2,500 maximum plan benefit



 

[Dental benefits overview](/our-plans/medicare-plans/medicare-advantage-plans/medicare-advantage-ppo-dental-benefits)

 

 



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### Travel

Travel up to 12 consecutive months in the U.S. and get in-network benefits from select providers



 

 

 



 

 



 

 

       ![The Freedom Award badge and the Beyond the Yellow Ribbon Award badge.](/sites/default/files/styles/3x2_third/public/5e0429ee-ef82-4c81-8e96-32f37b6c229a.jpg.webp?itok=P0_pKI7G) 

 

 

### Proudly supporting military service members

Blue Cross is a 2024 Secretary of Defense Employer Support Freedom Award recipient. This is the highest U.S. government recognition given to employers for their support of Guard and Reserve employees.1

Blue Cross is the first health plan in Minnesota to be designated a Beyond the Yellow Ribbon company for its support of service members, Veterans and their families.3



 

 

 

 

 

 

## Benefits

## Explore Freedom Blue benefits

 

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### 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/)

 

 



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### Vision

Eyewear allowance benefit for glasses or contact lenses



 

 

 



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### 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)

 

 



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### Acupuncture and Chiropractic

Routine acupuncture includes 12 visits for any pain diagnosis and Chiropractic includes 12 visits for any diagnosis (X-ray excluded)



 

 

 



 

 



 

       ![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 quarterly4 flex card to purchase eligible over-the-counter medications and health-related items to help you live a healthy lifestyle.



[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/)

 

 

 

 

 

 

## 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
- Assist you in finding a plan that complements your existing VA benefits
- Help you enroll in a plan



[Connect with a Blue Cross Advisor](/our-plans/blue-cross-advisors)

 

 

 

 

 

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### Get your Freedom Blue enrollment packet

You can use this paper packet to enroll by mail and to view plan benefits, costs, and coverage.



 

[Order enrollment packet](/understanding-health-insurance/learn-about-medicare/medicare-materials)

 

 



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### Enroll by phone

Give us a call to speak to a Medicare expert.

**1-855-579-7658**  
(**TTY** call **711**)

Help is available from  
8 a.m. to 8 p.m. Central Time, daily



 

 

 



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### 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) 

 

 

 

 

  

1<https://www.esgr.mil/News-Events/Press-Releases/articleType/ArticleView/articleId/10533/ESGR-Announces-2024-Secretary-of-Defense-Freedom-Award-Recipients>

2Medicare-contracted doctors compared to internal Blue Cross and Blue Shield of Minnesota data, April 2025. Some network limitations may apply..

3[Blue Cross Blue Shield recognized as Beyond the Yellow Ribbon company, by Sun Thisweek, Jan 27, 2016](https://www.hometownsource.com/sun_thisweek/news/business/blue-cross-blue-shield-recognized-as-beyond-the-yellow-ribbon-company/article_84c975ba-1d1e-5bad-a23d-17af44aec6a9.html) &amp; 2023 [Minnesota National Guard](https://ngmnpublic.azurewebsites.us/btyr-companies/)

4Quarterly 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.

SilverSneakers® is a registered trademark of Tivity Health, Inc., an independent company that provides health and fitness programs.

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