Last updated September 24, 2024
Medicare Cost Plans
Medicare Cost Plans are a type of Medicare health plan offered through private insurance companies. Cost Plans are only available to people living in certain Minnesota counties.
Minnesota counties where Cost Plans are available
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
Medicare Savings Programs (MSP)
- QR: Financial assistance for people with low to modest income
- Senior LinkAge Line website: Help with Medicare Costs
This information is to be used with results from the Medicare.gov plan finder tool.
The information shown is a condensed version and does not include all benefits. Always contact the insurance company to confirm benefits and costs.
Insurance companies that sell Cost Plans
Insurance companies are listed alphabetically, and plans are listed by ascending premium amount within each company.
BlueCross BlueShield of Minnesota
New member enrollment: 800-662-2583
Customer service: 866-340-8654
TTY: 711
Website: bluecrossmn.com/medicare
Platinum Blue Core
H2461-005
Monthly premium: $34
| Travel coverage | For providers that accept Medicare - up to 9 months U.S. travel, no referrals needed, same cost sharing as network providers in Minnesota |
| Dental | 20% coinsurance/Medicare-covered dental services |
| Vision | 20% coinsurance/1 pair of eyeglasses or contact lenses post cataract surgery, $0 copay/Medicare-covered exams to diagnose and treat diseases and conditions of the eye |
| Hearing | $699 copay for Advanced hearing aids, $999 copay for Premium hearing aids; must see a TruHearing provider |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | SilverSneakers program and 24-hour nurse advice line, $25 quarterly/over-the-counter drugs and supplies |
Platinum Blue Core with Rx
H2461-008
Monthly premium: $58.50
| Travel coverage | For providers that accept Medicare - up to 9 months U.S. travel, no referrals needed, same cost sharing as network providers in Minnesota |
| Dental | 20% coinsurance/Medicare-covered dental services |
| Vision | 20% coinsurance/1 pair of eyeglasses or contact lenses post cataract surgery, $0 copay/Medicare-covered exams to diagnose and treat diseases and conditions of the eye |
| Hearing | $699 copay for Advanced hearing aids, $999 copay for Premium hearing aids; must see a TruHearing provider |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $545 |
| Discounts & programs | SilverSneakers program and 24-hour nurse advice line, $25 quarterly/over-the-counter drugs and supplies |
Platinum Blue Choice
H2461-006
Monthly premium: $119
| Travel coverage | For providers that accept Medicare - up to 9 months U.S. travel, no referrals needed, same cost sharing as network providers in Minnesota |
| Dental | $15 copay/Medicare-covered dental service Preventive: $0 copay/2 cleanings, 2 oral exams, 1 x-ray, 2 periodontal cleaning, 2 fluoride treatments |
| Vision | 20% coinsurance/1 pair of eyeglasses/contact lenses post cataract surgery, $0 copay/Medicare-covered exams to diagnose and treat eye diseases and conditions, $0 copay/1 supplemental routine eye exam/year, $125 plan benefit allowance/non-Medicare-covered eyewear/year |
| Hearing | $599 copay for Advanced hearing aids, $899 copay for Premium hearing aids; must see a TruHearing provider |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | SilverSneakers program and 24-hour nurse advice line, $50 quarterly/over-the-counter drugs and supplies |
Platinum Blue Choice with Rx
H2461-009
Monthly premium: $166
| Travel coverage | For providers that accept Medicare - up to 9 months U.S. travel, no referrals needed, same cost sharing as network providers in Minnesota |
| Dental | $15 copay/Medicare-covered dental service Preventive: $0 copay/2 cleanings, 2 oral exams, 1 x-ray, 2 periodontal cleaning, 2 fluoride treatments |
| Vision | 20% coinsurance/1 pair of eyeglasses/contact lenses post cataract surgery, $0 copay/Medicare-covered exams to diagnose and treat eye diseases and conditions, $0 copay/1 supplemental routine eye exam/year, $125 plan benefit allowance/non-Medicare-covered eyewear/year |
| Hearing | $599 copay for Advanced hearing aids, $899 copay for Premium hearing aids; must see a TruHearing provider |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $0/tiers 1&2, $545/tiers 3-5 |
| Discounts & programs | SilverSneakers program and 24-hour nurse advice line, $50 quarterly/over-the-counter drugs and supplies |
Platinum Blue Complete
H2461-007
Monthly premium: $199
| Travel coverage | For providers that accept Medicare - up to 9 months U.S. travel, no referrals needed, same cost sharing as network providers in Minnesota |
| Dental | $0 copay/Medicare-covered dental service Preventive: $0 copay/2 cleanings, 2 oral exams, 1 x-ray, 2 periodontal cleaning, 2 fluoride treatments |
| Vision | 20% coinsurance/1 pair of eyeglasses/contact lenses post cataract surgery, $0 copay/Medicare-covered exams to diagnose and treat eye diseases and conditions, 1 supplemental routine eye exam/year, $150 plan benefit allowance/non-Medicare-covered eyewear/year |
| Hearing | $499 copay for Advanced hearing aids, $799 copay for Premium hearing aids; must see a TruHearing provider |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | SilverSneakers program and 24-hour nurse advice line, $50 quarterly/over-the-counter drugs and supplies |
Platinum Blue Complete with Rx
H2461-010
Monthly premium: $265.90
| Travel coverage | For providers that accept Medicare - up to 9 months U.S. travel, no referrals needed, same cost sharing as network providers in Minnesota |
| Dental | $0 copay/Medicare-covered dental service Preventive: $0 copay/2 cleanings, 2 oral exams, 1 x-ray, 2 periodontal cleaning, 2 fluoride treatments |
| Vision | 20% coinsurance/1 pair of eyeglasses/contact lenses post cataract surgery, $0 copay/Medicare-covered exams to diagnose and treat eye diseases and conditions, 1 supplemental routine eye exam/year, $150 plan benefit allowance/non-Medicare-covered eyewear/year |
| Hearing | $499 copay for Advanced hearing aids, $799 copay for Premium hearing aids; must see a TruHearing provider |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $0/tiers 1&2, $545/tiers 3-5 |
| Discounts & programs | SilverSneakers program and 24-hour nurse advice line, $50 quarterly/over-the-counter drugs and supplies |
Medica
New member enrollment: 800-906-5432
Customer service: 800-234-8755
TTY/TDD: 711
Website: medica.com/medicare
Medica Prime Solution Standard
H2450-044
Monthly premium: $0
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider who accepts Medicare, emergency care covered worldwide |
| Dental | $15-$50 copay/Medicare-covered dental benefits, up to $400 reimbursement for all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, $150/year prescription eyewear allowance, $15-$50 copay/Medicare-covered diagnostic exam, $45 copay/ Medicare-covered eyewear |
| Hearing | $15-$50 copay/1 routine hearing exam/year, $50 copay/Medicare-covered diagnostic exam |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate nurseline, $0 e-visit from Amwell, $25 quarterly allowance/eligible OTC health and wellness products, no rollover |
Medica Prime Solution Standard w/Rx
H2450-049
Monthly premium: $49.30
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider who accepts Medicare, emergency care covered worldwide |
| Dental | $15-$50 copay/Medicare-covered dental benefits, up to $400 reimbursement for all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, $150/year prescription eyewear allowance, $15-$50 copay/Medicare-covered diagnostic exam, $45 copay/ Medicare-covered eyewear |
| Hearing | $15-$50 copay/1 routine hearing exam/year, $50 copay/Medicare-covered diagnostic exam |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $0/all tiers |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate nurseline, $0 e-visit from Amwell, $25 quarterly allowance/eligible OTC health and wellness products, no rollover |
Medica Prime Solution Thrift
H2450-030
Monthly premium: $43
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider who accepts Medicare |
| Dental | 20% coinsurance/Medicare-covered dental benefits |
| Vision | 20% coinsurance/Medicare-covered diagnostic exam and Medicare-covered eyewear |
| Hearing | 20% coinsurance/Medicare-covered diagnostic exam |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | HealthAdvocate Nurseline |
Medica Prime Solution Thrift w/Rx
H2450-007
Monthly premium: $79.70
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider who accepts Medicare |
| Dental | 20% coinsurance/Medicare-covered dental benefits |
| Vision | 20% coinsurance/Medicare-covered diagnostic exam and Medicare-covered eyewear |
| Hearing | 20% coinsurance/Medicare-covered diagnostic exam |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $545 |
| Discounts & programs | HealthAdvocate Nurseline |
Medica Prime Solution Basic
H2450-032
Monthly premium: $95
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider that accepts Medicare, emergency care is covered worldwide |
| Dental | $0-$15 copay/Medicare-covered dental benefits, up to $300 reimbursement/all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, prescription eyewear allowance of $100/year, $0-$15 copay/Medicare-covered diagnostic exam, $30 copay/Medicare-covered eyewear |
| Hearing | $0 copay/1 routine hearing exam/year, hearing aid allowance of $400/year, $0-$15 copay/Medicare-covered diagnostic exam |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate Nurseline, $0 e-visit from Amwell, $50 quarterly allowance/eligible OTC health and wellness products, no rollover |
Medica Prime Solution Basic with Rx
H2450-016
Monthly premium: $134
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider that accepts Medicare, emergency care is covered worldwide |
| Dental | $0-$15 copay/Medicare-covered dental benefits, up to $300 reimbursement/all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, prescription eyewear allowance of $100/year, $0-$15 copay/Medicare-covered diagnostic exam, $30 copay/Medicare-covered eyewear |
| Hearing | $0 copay/1 routine hearing exam/year, hearing aid allowance of $400/year, $0-$15 copay/Medicare-covered diagnostic exam |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $0/tiers 1-2, $545/tiers 3-5 |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate Nurseline, $0 e-visit from Amwell, $50 quarterly allowance/eligible OTC health and wellness products, no rollover |
Medica Prime Solution Basic with Rx 2
H2450-001
Monthly premium: $79.70
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider that accepts Medicare, emergency care is covered worldwide |
| Dental | $0-$15 copay/Medicare-covered dental benefits, up to $300 reimbursement/all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, prescription eyewear allowance of $100/year, $0-$15 copay/Medicare-covered diagnostic exam, $30 copay/Medicare-covered eyewear |
| Hearing | $0 copay/1 routine hearing exam/year, hearing aid allowance of $400/year, $0-$15 copay/Medicare-covered diagnostic exam |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $0 |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate Nurseline, $0 e-visit from Amwell, $50 quarterly allowance/eligible OTC health and wellness products, no rollover |
Medica Prime Solution Thrift
H2450-030
Monthly premium: $183
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider that accepts Medicare, emergency care is covered worldwide |
| Dental | $0-$10 copay/Medicare-covered dental benefits, up to $400 reimbursement for all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, prescription eye wear allowance of $200/year, $0-$10 copay/Medicare-covered diagnostic exam, $30 copay for Medicare-covered eyewear |
| Hearing | $0 copay/1 routine hearing exam/year, hearing aid allowance of $400/year, $0-$10/Medicare-covered diagnostic exam |
| Medicare Part D coverage | No, you can enroll in a separate Part D stand-alone plan for Part D coverage. |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate Nurseline, $0 e-visit from Amwell, $50 quarterly allowance/eligible OTC health and wellness products, no rollover |
Medica Prime Solution Thrift w/Rx
H2450-007
Monthly premium: $247.40
| Travel coverage | Travel throughout the U.S. and its territories for up to 9 months and receive plan benefits at in-network cost sharing from any provider that accepts Medicare, emergency care is covered worldwide |
| Dental | $0-$10 copay/Medicare-covered dental benefits, up to $400 reimbursement for all other dental services |
| Vision | $0 copay/1 routine eye exam and up to 2 refractions/year, $0 copay/Medicare-covered glaucoma and diabetic retinopathy screenings, prescription eye wear allowance of $200/year, $0-$10 copay/Medicare-covered diagnostic exam, $30 copay for Medicare-covered eyewear |
| Hearing | $0 copay/1 routine hearing exam/year, hearing aid allowance of $400/year, $0-$10/Medicare-covered diagnostic exam |
| Medicare Part D coverage | Yes, but if you enroll in a separate Part D stand-alone plan, you will be disenrolled from this health plan. |
| Medicare Part D deductible | $0 |
| Discounts & programs | In-Network: One Pass fitness & memory training program, HealthAdvocate Nurseline, $0 e-visit from Amwell, $50 quarterly allowance/eligible OTC health and wellness products, no rollover |