A $0-premium Medicare PPO plan with a monthly giveback
Our HealthPartners® Journey Smart (PPO) plan is a $0-premium plan that brings medical and prescription drug coverage together, plus money-saving perks like a $50.80-$75 monthly giveback, lower drug costs and more. Want a Medicare Advantage plan with your health (and wallet) in mind? The Journey Smart plan might be a great fit.
Get $50.80-$75 back in your pocket each month
Available in the Twin Cities area and central Minnesota, the Journey Smart plan credits $609.60-$900 back to enrollees annually. That's $50.80-$75 back in your Social Security check or Medicare Part B premium statement each month.
We paired this Medicare Part B premium giveback with a $0 monthly premium, Part D prescription drug coverage with lower drug costs, and an allowance for certain dental care too. It all adds up to more money in your pocket for the things you care about most.
See if the Journey Smart plan is available in your area
Living in the Twin Cities area or central Minnesota? The Journey Smart plan has you covered in Minneapolis, St. Paul, St. Cloud, Willmar, Redwood Falls and other nearby communities.
Our Journey Smart plan is available in these Minnesota counties:
- Anoka
- Benton
- Carver
- Chisago
- Dakota
- Hennepin
- Isanti
- Kandiyohi
- McLeod
- Meeker
- Morrison
- Pope
- Ramsey
- Redwood
- Renville
- Scott
- Sherburne
- Stearns
- Swift
- Todd
- Washington
- Wright
The broad Journey network includes over 87,000 in-network care providers, including HealthPartners and Park Nicollet, CentraCare, Allina Health, M Health Fairview, North Memorial, Entira Family Clinics, Hutchinson Health, Olivia Hospital & Clinic, Ridgeview Clinics, Lakeview Clinic, and many more.
Part D prescription drug coverage is included with your plan.
What’s included with your Journey Smart $0 monthly premium
- Twin Cities area Medicare Part B premium giveback: $75/month ($900/year)
- Central Minnesota Medicare Part B premium giveback: $50.80/month ($609.60/year)
- $0-$5 for covered generic drugs
- $0 in-network preventive care
- $0 in-network primary care visits
- $50 in-network specialty care visits
- Out-of-pocket maximum: $6,700 in-network / $8,950 combined in- and out-of-network
- $250 allowance for non-Medicare-covered eyewear
- $2,000 allowance for certain preventive and periodontic dental care, like routine exams, cleanings and gum disease care
- Additional dental coverage available
- In-network cost sharing for up to nine months of domestic travel
- Worldwide emergency and urgent care coverage, plus additional assistance through Assist America®*
- SilverSneakers® fitness perks
- $0 for routine vision and hearing exams
- TruHearing® hearing aid options
- 24/7 CareLine℠ nurse support
- Condition management support services
For complete details, see our
For more information on all your Medicare plan options, visit medicare.gov.
Looking for other Minnesota Medicare plan options?
If the Journey Smart plan isn’t a good match for you, take a look at our
Can’t find the right plan for you? For more information on all your Medicare plan options, visit
Questions? We’ve got answers.
Legal information
*Assist America services are only available during the first 90 consecutive days that you're away from your home, and all arrangements must be made through Assist America.
Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
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SilverSneakers® is a registered trademark of Tivity Health, Inc. © 2025 Tivity Health, Inc. All rights reserved.
Last updated October 2025
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