A young adult and senior adult embracing each other on the couch.

2025 Medicare Advantage plans

#1 Medicare Advantage plan chosen by Minnesotans1

Explore plans available in your area

Compare plan coverage, costs and benefits side-by-side.

Compare and enroll

Get guided help finding the right plan

Let us help guide you in finding a plan that meets your needs.

See if your doctor and pharmacy are in network and if your drugs are covered.

Get started

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.

Learn more about how a Medicare Advantage plan works

Medicare Advantage eligibility requirements:

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

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 plan levels are available in all counties.

Medical

Access to 97% of doctors in Minnesota,2 including Allina Health, HealthPartners, Mayo Clinic®, Park Nicollet and more

Pharmacy

Access to thousands of in-network pharmacies

Dental

Preventive and/or comprehensive dental coverage

Dental benefits overview

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

Hearing

Hearing aids (up to 2 aids per year) with $0 upgrade to rechargeable battery option on select styles through TruHearing®

View hearing benefits

Vision

Eyewear allowance benefit for glasses or contact lenses

Meal benefit

Receive 2 meals per day, up to 14 days, at no additional cost following necessary inpatient stay

Learn more about meal benefit

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.

Over-the-counter (OTC) allowance

Receive a quarterly3 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
A group of seniors exercising.

SilverSneakers membership

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
A senior person on a video call with a doctor in their living room.

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

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.

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

Support and resources

Get Medicare help

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
Meet with a Blue Cross Advisor

Order a Medicare Advantage enrollment packet

You can use this packet to help you choose a Medicare Advantage plan. View and compare plan options, benefits, costs and coverage.

Order enrollment packet

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

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
A group of seniors holding digital devices and smiling.

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

Enroll today

1Based on enrollment data from CMS January 2024.

2Medicare-contracted doctors compared to internal Blue Cross and Blue Shield of Minnesota data, April 2024. Some network limitations may apply.

3Quarterly 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.

S5743_091024_N01_M
Y0138_091024_N01_M