A smiling woman looks out the window as she talks on her cellphone.

Comparing Medicare plans

Not sure where to start when it comes to comparing Medicare plans? We’re here to help.

With private Medicare plans, everything’s based on where you call home. Whether you’re interested in Medicare Advantage, Medicare Cost, Medicare Supplement or a standalone Medicare Part D plan, it all comes back to your state and county of residence.

Different insurers can choose to offer different plans in different areas. For example, if one insurer doesn’t offer a certain kind of Medicare plan where you live, another insurer might. It’s a good idea to check around with a few different insurers to help get a full sense of your offerings – working with a broker can also help you look at all your choices at once.

Tips for comparing and choosing a Medicare plan

Once you have a sense of which plans are available to you, answering a few questions may help you compare plans and find the right option for you.

If yes: If you have a strong relationship with your current care team, you’ll want to make sure you choose a plan that includes them in its network. Also, make sure needed specialty care is covered by your plan and confirm whether you need a referral to see a specialist.

In addition, the more times you visit your doctor(s), the more coverage you may need. If you see your care team multiple times a year, it‘s worth looking for plans with lower deductibles and lower out-of-pocket maximums.

If no: You can be more flexible in the plans you choose.

If yes: Consider a Medicare plan that includes prescription drug coverage (Medicare Part D), like a Medicare Advantage plan.

When you find a plan you like, look through the plan’s drug list (formulary) to see how your medicines are covered, and look through the plan’s pharmacy network to see if your favorite pharmacies are available.

If no: Even if you don’t use prescription drugs right now, you may still want to consider Medicare Part D to avoid a late-enrollment penalty later.

If yes: A plan with low out-of-pocket maximums might be better for you.

People who exceed their out-of-pocket maximums or deductibles tend to get care regularly. Though your monthly premiums may be higher in a plan with low out-of-pocket maximums, your copays and coinsurance amounts may be lower when you visit the doctor.

If no: If you stay well under your deductible or out-of-pocket maximum each year, a plan with higher out-of-pocket maximums could be a good fit.

People in this situation usually don’t get care very often. Your copays and coinsurance amounts may be higher when you visit the doctor, but your monthly premiums will typically be lower.

If yes: You might be okay having separate plans for medical and prescription drug coverage. These plans usually come with separate member ID cards, additional paperwork and different service teams.

If no: You could find having all your Medicare benefits in one plan, like a HealthPartners Medicare Advantage plan, to be more convenient and less stressful.

If yes: You may be able to sign up for a combined plan for people who are dual eligible for both Medicaid and Medicare Parts A and B. If you live in the Twin Cities or central Minnesota, our HealthPartners Minnesota Senior Health Options (MSHO) plan also adds extra perks and benefits when you need them.

If you’re not eligible for Medicaid, you may still be eligible for Medicare’s Low Income Subsidy (LIS), also called Extra Help. LIS helps cover some or all of Medicare Part D prescription drug plan costs, including premiums, deductibles and copayments.

Working with a broker can help you determine what kind of plans or programs you may qualify for.

Whether you’re new to Medicare or looking to switch plans, we can help you explore your options.

Start comparing plans with our easy-to-use tool :

  1. First, enter your ZIP code and confirm your county. Then select “View plans.”
  2. At the top of the next page, you’ll see how many HealthPartners plans are available in your area. Plans may include Medicare Advantage Prescription Drug Plans, Medicare Cost Plans and Medicare Supplement Plans. Select which kind of plans you’d like to see.
  3. On the left side of the page, you’ll be able to filter plans to find one with features you want. If you’re not sure where to start, you can add your preferences to begin narrowing down your options.
  4. Found a plan you’re interested in? Select “Plan details” to get specific information on what’s covered, estimated costs and more.
  5. When you’re ready to enroll in a plan, select “Add to cart” to begin the application process.

As you shop and compare plans, it might be helpful to search our Medicare plan networks to see if a specific doctor or clinic are in network for the plan you’re interested in. You can also search our Medicare Part D formulary to see if your prescription drugs are covered (on our Medicare Advantage plans) and search our network of pharmacies to find a covered location close to home.

With more than 60 years of experience and service, we’re here to help you find a Medicare plan that works for you.

Medical and drug coverage with extra perks and benefits

Available in select counties in Minnesota and Wisconsin

Medical-only coverage with extra perks and benefits

Available in select counties in Wisconsin, North Dakota and South Dakota

Medical-only coverage that fills the gaps in Original Medicare

Available statewide in Minnesota

Looking for plans in Iowa or Illinois? Our friends at HealthPartners UnityPoint Health are ready to help.

Legal information

Last updated October 2022

H2422_002804 Approved
H2462 H4882_002804 Accepted