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Medicare Advantage Plans in Minnesota
Compare Medicare Advantage Plans, Doctors, Prescription Drug Coverage, Costs & Benefits Before you Enroll
Licensed - No obligation - No cost to you
Compare Medicare Advantage plans from multiple top-rated insurance companies, including Allina Health/Aetna, HealthPartners, Medica, Humana, United Healthcare, and other leading carriers available in your area.
Proudly Representing Major Carriers Including:
Not sure what plan fits your budget and doctors? We’ll compare
both and show you the best match—at no cost.
Speak with a licensed insurance agent with Triple Crown Insurance Agency, specializing in Medicare coverage and under 65 health insurance solutions with the top providers in the country.
Choosing a Medicare Advantage plan can be confusing. We are here to help you understand the differences.
Medicare Advantage Plans
Medicare Advantage
• Combines Medicare Part A (hospital) and Part B (medical) into one plan
• Many plans also include prescription drug coverage (Part D)
• Often includes extra benefits not covered by Original Medicare
• Most plans use provider networks (HMO/PPO)
• Includes an annual maximum out-of-pocket limit for medical expenses
• Monthly premiums and benefits vary by carrier and county
Medicare Advantage plans can be a good fit for people looking for bundled coverage, lower monthly premiums, and additional benefits beyond Original Medicare.
What Medicare Advantage Plans May Include
Prescription Drug Coverage
• Many plans include Part D prescription coverage
• Formularies and copays vary by plan
• Important to review your current medications each year
Dental Coverage
• Many plans include preventive dental benefits
• Some plans may help with fillings, crowns, dentures, and more
• Coverage amounts and networks vary by plan
Vision Coverage
• Many plans include routine eye exams
• Some plans offer allowances for glasses or contacts
Hearing Coverage
• Hearing exams and hearing aid benefits may be included
• Coverage amounts vary by carrier
Over-the-Counter (OTC) Benefits
• Some plans include OTC allowances for approved health products
• Examples may include vitamins, pain relievers, first aid supplies, and more
Gym Memberships & Wellness Programs
• Many plans include fitness memberships or wellness programs
• Benefits vary by carrier and availability
How We Help You Compare Plans
Instead of focusing only on premiums, we compare:
Doctor Networks
Can you keep your current doctors?
Prescription Drug Coverage
Are your medications covered?
Maximum Out-of-Pocket Costs
How much could you pay during a bad health year?
Hospital Networks
Are your preferred hospitals included?
Specialist Referrals
Will you need referrals?
Dental Benefits
Coverage amounts vary significantly.
Vision Benefits
Routine exams, glasses and contacts.
Hearing Benefits
Coverage for exams and hearing aids.
Travel Coverage
Important if you travel or spend part of the year outside Minnesota.
Why Work With an Independent Medicare Broker?
As an independent Minnesota Medicare broker, we compare plans from multiple insurance companies at no additional cost to you.
We'll help you:
• Compare plans side-by-side
• Check your doctors
• Verify prescription coverage
• Explain the differences between plans
• Review your options every year
• Help after enrollment if questions come up
Choosing the Right Medicare Advantage Networks
• HMO and PPO networks vary by plan and county
• Some plans require referrals for specialists
• It’s important to check if your doctors, clinics, hospitals, and prescriptions are covered before enrolling
Should You Choose an HMO or PPO?
HMO Plans
Pros-
• Lower costs
• Lower copays
• Strong local networks
Cons-
• Usually must stay in-network
• Referrals may be required
PPO Plans
Pros-
• More flexibility
• Can see many out-of-network providers
• Good for travelers
Cons-
• Higher costs
• Higher premiums on some plans
*If you're turning 65 soon, a quick call can save you time, stress, and money!
Medicare Advantage vs Original Medicare: Whats the Difference?
When comparing plans, it’s important to review:
Medicare Advantage Original Medicare -Includes extra benefits -Does not include dental or vision -Annual out-of-pocket maximum -No cap on medical expenses -Network restrictions -Greater provider flexibility -Often includes drug coverage -Requires separate Part D plan -Usually lower monthly costs -May require Medigap for broader financial protection
Frequently Asked Questions
Is there one best Medicare Advantage plan in Minnesota?
No. The best plan depends on your doctors, prescriptions, county, travel habits, and healthcare needs.
Can I keep my doctor?
Many people can, but you should always verify that your providers participate in the plan's network before enrolling.
Are Medicare Advantage plans free?
Many plans have a $0 monthly premium, but you'll still need to pay your Medicare Part B premium and may have copays or other out-of-pocket costs.
Can I change plans later?
Yes. You may be able to change plans during the Annual Enrollment Period (October 15–December 7) or, if you're already enrolled in a Medicare Advantage plan, during the Medicare Advantage Open Enrollment Period (January 1–March 31).
Choosing between Medicare Advantage and Original Medicare depends on your doctors, prescriptions, budget, and healthcare needs. Here's a quick comparison to help you understand the differences.
Speak With a Medicare Agent Today
The fastest way to get answers is a quick phone call. We’ll ask a few questions and point you to the best next step based on your situation.
Prefer a callback? Request one below.
Medicare & Final Expense Direct Enrollment Link
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Proudly Representing Major Carriers Including:
Currently we represent 6 organizations which offer 80 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.