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Medicare plans in Stearns County, Minnesota
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Stearns County for 2027, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (6 plans)
- Part D drug plans (9 plans)
- Special needs plans (3 plans)
- Medicare Advantage without drug coverage (2 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Stearns County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Stearns County
At a glance
- 8 Medicare Advantage plans are open to anyone with Medicare here; 3 charge no monthly premium.
- 3 give back part of your Part B premium, up to $160 a month.
- The lowest yearly limit on what you pay for in-network care is $4,450.
- 9 Part D drug plans, from $5.30 to $222.90 a month.
Medicare Advantage plans with drug coverage 6
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| HealthPartners Journey Smart (PPO) HealthPartners · H4882-018-000 | PPO | $0/moGives back $38/mo of your Part B premium | $9,850 | 4.5★ |
| Blue Cross Medicare Advantage Essential (PPO) Blue Cross and Blue Shield of Minnesota · H5959-023-002 | PPO | $10/mo | $9,850 | 4.0★ |
| Medica Advantage Essential (PPO) Medica · H8889-022-000 | PPO | $20/mo | $7,150 | 4.0★ |
| HealthPartners Journey Pace (PPO) HealthPartners · H4882-017-000 | PPO | $40/mo | $7,150 | 4.5★ |
| Medica Advantage Select (PPO) Medica · H8889-002-000 | PPO | $122/mo | $7,150 | 4.0★ |
| Blue Cross Medicare Advantage Select (PPO) Blue Cross and Blue Shield of Minnesota · H5959-024-000 | PPO | $165/mo | $6,900 | 4.0★ |
Part D drug plans 9
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Upper Midwest and Northern Plains (Iowa, Minnesota, Montana, Nebraska, North Dakota, South Dakota and Wyoming).
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-158-000 | $5.30/mo | $700 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-370-000 | $10.30/mo | $700 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-089-000 | $16.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-145-000 | $18.30/mo | $700 | 4.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-204-000 | $33.30/mo | $687 | 4.5★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-043-000 | $117.10/mo | $700 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-171-000 | $123/mo | $350 | 4.5★ |
| MedicareBlue Rx Standard (PDP) MedicareBlue Rx · S5743-001-000 | $179.10/mo | $700 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-406-000 | $222.90/mo | $300 | 3★ |
Special needs plans 3
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| SecureBlue (HMO D-SNP) Blue Plus · H2425-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| HealthPartners Minnesota Senior Health Options (HMO D-SNP) HealthPartners · H2422-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $24.60/mo | $0 | 3.5★ |
| Medica DUAL Solution (HMO D-SNP) Medica · H2458-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $24.60/mo | $9,850 | 4.0★ |
Medicare Advantage plans without drug coverage 2
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Medica Advantage Salute (PPO) Medica · H8889-009-000 | PPO | $0/moGives back $160/mo of your Part B premium | $4,450 | 4.0★ |
| Blue Cross Medicare Advantage Freedom Blue (PPO) Blue Cross and Blue Shield of Minnesota · H5959-018-000 | PPO | $0/moGives back $145/mo of your Part B premium | $6,900 | 4.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs. Minnesota standardizes Medigap its own way, so its plans don't use the usual letters.
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