2024 Medicare plans
Blue Cross and Blue Shield of Minnesota offers a variety of Medicare plans, so you can pick a plan that meets your needs.
Enter your zip code to view plans available in your area
Why choose Blue Cross?
#1 Medicare plan chosen by Minnesotans1
Access to 98% of doctors in Minnesota2
Serving Minnesota as a nonprofit for more than 90 years
Top-rated by members for Medicare customer service3
Medicare Advantage plans
Medicare Advantage plans combine Medicare Part A and Part B benefits, so your hospital and medical coverage are provided under one plan.
You get all the benefits of Original Medicare plus “extras” Medicare does not cover.
For Veterans our Freedom BlueSM medical-only Medicare Advantage plan is a good option if you already have credible drug coverage through the VA, TRICARE, Tribal or similar.
This plan is a good choice if you want:
- Combined medical and prescription coverage
- Dental, vision and hearing coverage
- SilverSneakers® fitness membership
- Medical coverage while traveling
Benefits include
Medical
Access to a large network of doctors, hospitals and clinics
Pharmacy
Access to approximately 63,000 in-network pharmacies
Vision
Eyewear allowance benefit
Dental
Preventive and/or comprehensive dental coverage
Hearing
Hearing aids with $0 rechargeable battery option on select styles
Travel
Travel up to twelve consecutive months in the U.S. and get in-network benefits from select providers
Advantage plans are available in 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
Supplement (Medigap) plans
A Medicare Supplement plan is a medical-only plan (Part A and Part B), and benefits are guaranteed renewable as long as you pay your premium.
A Medicare Supplement plan can help pay for costs not covered by Original Medicare, like copays, deductibles and coinsurance.
Medicare Supplement plans are available in all Minnesota counties.
This plan is a good choice if you want:
- Medical-only coverage
- Coverage that you can keep if you move to another state
- Guaranteed renewable benefits, as long as you pay your premiums
- SilverSneakers® fitness membership
Benefits include
Medical
You can choose your doctor without any network restrictions and see any provider that accepts Medicare assignment
Travel
Live or travel anywhere in the U.S. and get in-network benefits when you see a provider that accepts Medicare assignment
Medicare Cost plans
Medicare cost plans offer medical-only coverage (Part A and Part B) or combined medical and prescription drug coverage (Part D).
If you choose to include prescription drug coverage, your plan also helps pay the cost of your medications.
Medicare Cost plans provide additional coverage to help pay for expenses Original Medicare doesn’t cover.
This plan is a good choice if you want:
- Combined medical and prescription drug coverage
- Broad provider network
- Medical coverage while traveling
- SilverSneakers® fitness membership
Benefits include
Medical
Access to a large network of physicians, clinics and hospitals
Pharmacy
Access to approximately 63,000 in-network pharmacies
Vision
Eyewear allowance benefit
Dental
Preventive dental coverage for some levels of coverage
Hearing
Hearing aids with $0 rechargeable battery option on select styles
Travel
Travel up to nine consecutive months per calendar year in the U.S. and get in-network benefits from select providers
Cost plans are available in these 21 counties
Northeast Plus Region
Aitkin, Carlton, Cook, Goodhue, Itasca, Kanabec, Koochiching, Lake, Le Sueur, McLeod, Meeker, Mille Lacs, Pine, Pipestone, Rice, Rock, Sibley, St. Louis, Stevens, Traverse, Yellow Medicine
Prescription Drug (Part D) plans
These stand-alone prescription drug plans help you manage your prescription drug costs.
Save money at thousands of network pharmacies nationwide. Plus get extra savings at preferred pharmacies within your network.
These plans can be paired with Original Medicare (Parts A and B), a Medicare supplement plan, or a medical-only cost plan.
Prescription drug plans are available in all Minnesota counties.
This plan is a good choice if you want:
- Prescription drug coverage only
- Coverage of generic, brand-name and specialty drugs
- Access to thousands of pharmacies nationwide
Benefits include
Pharmacy
Access to approximately 63,000 in-network pharmacies nationwide where you can fill your prescriptions
Minnesota Senior Health Options
This health plan, called SecureBlue℠ (HMO SNP), is a Minnesota Senior Health Options (MSHO) health plan that combines your Medicare and Medical Assistance (Medicaid) into one plan.
You must be 65 or older, have both Medicare Part A and Part B, and have Medical Assistance to qualify for SecureBlue.
SecureBlue is available in all Minnesota counties.
Get your free Medicare Decision Guide
Learn about our Medicare plan offerings
Use this guide to help you choose a health plan the fits your needs. Whether you want greater savings or more benefits, we offer a variety of plans.
Blue Cross Medicare Advisors
Get help person-to-person
A Blue Cross Advisor will meet with you in person or virtually to answer your questions and enroll you in a Medicare plan.
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
Get help from an agent
An agent can help you choose
the best plan for you.
Register for a Medicare Workshop
Learn about Original Medicare and available plans based on the county you live in
at a free, no obligation, in-person or virtual workshop.