Best Duluth, Minnesota Medicare Companies & Plans (2025)

Duluth, Minnesota Medicare plans include Advantage plans from private health insurance companies as well as standalone Part D prescription drug coverage. For those that prefer original Medicare, Duluth, MN supplemental plans are also available. Medicare plans in Duluth, Minnesota are sold by both large national companies and local insurers.

UPDATED: Mar 11, 2024Fact Checked

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UPDATED: Mar 11, 2024

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UPDATED: Mar 11, 2024

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It’s all about you. We want to help you make the right coverage choices.

Medicare Advantage plans are available in Duluth with both PPO and HMO networks
Medicare Advantage plans in Duluth, Minnesota may include prescription drug coverage, or you may need to buy Part D coverage separately
Duluth, MN Medicare options include Advantage, standalone Part D, and Medicare supplement

If you’re eligible for Medicare in Duluth, Minnesota, you have a lot of choices. Major health insurance companies provide Duluth, Minnesota Medicare Advantage plans with a variety of coverage options to choose from. You can choose a plan that includes Duluth, MN Part D coverage or buy prescription coverage as a standalone policy.

Duluth, Minnesota Medicare supplement plans are available from a number of companies if you choose to stick with original Medicare. These plans can pay for the out-of-pocket costs that Duluth original Medicare plans don’t cover, like coinsurance and deductibles.

Ready to buy Duluth, Minnesota Medicare coverage? Enter your ZIP code to compare Duluth, MN Medicare options available to you right now.

Medicare Advantage Companies in Duluth, Minnesota

Medicare Advantage in Duluth, Minnesota is offered by some of the same local health insurance companies you may have been covered by before. Take a look at which companies in Duluth, MN offer Medicare Advantage as well as which plans they offer to find the coverage and provider network that’s best for you.

Medicare Advantage Companies in Duluth, Minnesota

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Plan Name	Monthly Prem. (Parts C & D)	Deductible	Additional Gap Coverage	Preferred Pharmacy Copay/ Coinsurance 30-Day Supply	MOOP for Part A & B Benefits
AARP Medicare Advantage Headwaters (PPO) – H7404-005-0	$0.00	$395 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $4.00, Generic: $14.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 25%	$6,700
AARP Medicare Advantage Lakeshore (PPO) – H7404-006-0	$58.00	$295 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $4.00, Generic: $14.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 27%	$4,900
AARP Medicare Advantage Patriot (PPO) – H7404-015-0	$0.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$6,700
AARP Medicare Advantage Premier (PPO) – H7404-004-0	$35.90	$445	No additional gap coverage, only the Donut Hole Discount	Tier 1: 25%, Tier 2: 25%, Tier 3: 25%, Tier 4: 25%, Tier 5: 25%	$4,900
EssentiaCare Access (PPO) – H8783-003-0	$0.00	$445 . Tier 1 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $3.00, Generic: $10.00, Preferred Brand: 17%, Non-Preferred Drug: 45%, Specialty Tier: 25%	$5,500
EssentiaCare Grand (PPO) – H8783-002-0	$109.00	$250 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $1.00, Generic: $7.00, Preferred Brand: $35.00, Non-Preferred Drug: 45%, Specialty Tier: 28%	$3,500
EssentiaCare Secure (PPO) – H8783-001-0	$35.00	$400 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $1.00, Generic: $10.00, Preferred Brand: $47.00, Non-Preferred Drug: 45%, Specialty Tier: 25%	$4,500
HealthPartners Freedom Balance (Cost) – H2462-016-0	$82.60	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,400
HealthPartners Freedom Basic (Cost) – H2462-004-0	$33.60	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	n/a
HealthPartners Freedom Ultimate (Cost) – H2462-010-0	$168.10	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,000
HealthPartners Freedom Vital (Cost) – H2462-018-0	$39.70	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,400
Humana Honor (PPO) – H5216-086-0	$0.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$6,700
Humana Value Plus H5216-176 (PPO) – H5216-176-0	$28.60	$230 . Tier 1 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $7.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 29%	$6,700
HumanaChoice H5216-063 (PPO) – H5216-063-0	$106.00	$250 . Tier 1, 2 and 3 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $6.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 28%	$3,200
HumanaChoice H5216-080 (PPO) – H5216-080-3	$109.00	$350 . Tier 1, 2 and 3 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $4.00, Generic: $15.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 26%	$6,700
HumanaChoice H5216-092 (PPO) – H5216-092-0	$38.00	$350 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $4.00, Generic: $15.00, Preferred Brand: $47.00, Non-Preferred Drug: 50%, Specialty Tier: 26%	$6,700
HumanaChoice H5216-167 (PPO) – H5216-167-0	$89.00	$350 . Tier 1, 2 and 3 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $6.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 26%	$4,500
Lasso Healthcare Growth (MSA) – H1924-001-0	$0.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	n/a
Lasso Healthcare Growth Plus (MSA) – H1924-004-0	$0.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	n/a
Medica DUAL Solution (HMO D-SNP) – H2458-002-0	$0.00 for people who qualify for both Medicare and Medicaid.	$0 for people who qualify for both Medicare and Medicaid.	No additional gap coverage, only the Donut Hole Discount	Tier 1: $0.00	n/a
Medica Prime Solution Basic (Cost) – H2450-032-0	$79.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,400
Medica Prime Solution Basic w/Rx (Cost) – H2450-016-0	$111.70	$445 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $33.00, Non-Preferred Drug: 50%, Specialty Tier: 25%	$3,400
Medica Prime Solution Basic w/Rx 2 (Cost) – H2450-001-0	$143.20	$0	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $2.00, Generic: $8.00, Preferred Brand: $35.00, Non-Preferred Drug: 50%, Specialty Tier: 33%	$3,400
Medica Prime Solution Enhanced (Cost) – H2450-033-0	$157.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,000
Medica Prime Solution Enhanced w/Rx (Cost) – H2450-017-0	$202.50	$445 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $33.00, Non-Preferred Drug: 50%, Specialty Tier: 25%	$3,000
Medica Prime Solution Enhanced w/Rx 2 (Cost) – H2450-002-0	$223.10	$0	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $2.00, Generic: $8.00, Preferred Brand: $35.00, Non-Preferred Drug: 50%, Specialty Tier: 33%	$3,000
Medica Prime Solution Standard (Cost) – H2450-044-0	$0.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$4,500
Medica Prime Solution Standard w/Rx (Cost) – H2450-049-0	$30.90	$445 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $15.00, Preferred Brand: $47.00, Non-Preferred Drug: 50%, Specialty Tier: 25%	$4,500
Medica Prime Solution Thrift (Cost) – H2450-030-0	$34.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$6,700
Medica Prime Solution Thrift w/Rx (Cost) – H2450-007-0	$73.20	$445	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $38.00, Non-Preferred Drug: 50%, Specialty Tier: 25%	$6,700
Medica Prime Solution Value (Cost) – H2450-031-0	$67.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$4,000
Medica Prime Solution Value w/Rx (Cost) – H2450-022-0	$105.80	$445 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $2.00, Generic: $10.00, Preferred Brand: $30.00, Non-Preferred Drug: 50%, Specialty Tier: 25%	$4,000
Platinum Blue Choice Plan (Cost) – H2461-006-0	$94.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,500
Platinum Blue Choice Plan with Rx (Cost) – H2461-009-0	$134.50	$445 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: 20%, Non-Preferred Drug: 45%, Specialty Tier: 25%	$3,500
Platinum Blue Complete Plan (Cost) – H2461-007-0	$164.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$2,700
Platinum Blue Complete Plan with Rx (Cost) – H2461-010-0	$230.30	$445 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $9.00, Preferred Brand: 20%, Non-Preferred Drug: 45%, Specialty Tier: 25%	$2,700
Platinum Blue Core Plan (Cost) – H2461-005-0	$29.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$6,000
Platinum Blue Core Plan with Rx (Cost) – H2461-008-0	$54.80	$445	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $12.00, Preferred Brand: 21%, Non-Preferred Drug: 45%, Specialty Tier: 25%	$6,000
SecureBlue (HMO D-SNP) – H2425-001-0	$0.00 for people who qualify for both Medicare and Medicaid.	$0 for people who qualify for both Medicare and Medicaid.	No additional gap coverage, only the Donut Hole Discount	Tier 1: $0.00	n/a
UCare Aware (HMO-POS) – H2459-029-0	$26.00	$395 . Tier 1 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $2.00, Generic: $10.00, Preferred Brand: 17%, Non-Preferred Drug: 45%, Specialty Tier: 25%	$5,000
UCare Classic (HMO-POS) – H2459-021-2	$215.00	$225 . Tier 1 and 2 exempt	Yes, some additional gap coverage.	Preferred Generic: $0.00, Generic: $7.00, Preferred Brand: $35.00, Non-Preferred Drug: 45%, Specialty Tier: 29%	$3,000
UCare Complete (HMO-POS) – H2459-026-3	$99.00	$235 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $47.00, Non-Preferred Drug: 45%, Specialty Tier: 28%	$3,000
UCare Connect + Medicare (HMO D-SNP) – H5937-001-0	$0.00 for people who qualify for both Medicare and Medicaid.	$0 for people who qualify for both Medicare and Medicaid.	No additional gap coverage, only the Donut Hole Discount	Tier 1: $0.00	n/a
UCare Essentials Rx (HMO-POS) – H2459-023-2	$69.00	$395 . Tier 1 and 2 exempt	No additional gap coverage, only the Donut Hole Discount	Preferred Generic: $2.00, Generic: $10.00, Preferred Brand: $47.00, Non-Preferred Drug: 45%, Specialty Tier: 25%	$3,800
UCare Value (HMO-POS) – H2459-001-0	$29.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$3,400
UCare Value Plus (HMO-POS) – H2459-030-0	$0.00	No Rx Coverage	No Rx Coverage	This Plan does NOT include Prescription Drug coverage.	$5,500
UCare’s Minnesota Senior Health Options (HMO D-SNP) – H2456-002-0	$0.00 for people who qualify for both Medicare and Medicaid.	$0 for people who qualify for both Medicare and Medicaid.	No additional gap coverage, only the Donut Hole Discount	Tier 1: $0.00	n/a

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Medicare Supplement Companies in Duluth, Minnesota

Original Medicare leaves you with some out-of-pocket costs such as deductibles and coinsurance. With a Duluth, Minnesota Medicare supplement plan, you can get coverage for some or all of those costs. Medicare supplement plans in Minnesota are standardized, but companies can choose which plans they will sell. Take a look at which companies sell Medicare supplement (Medigap) insurance and which plans they offer.

Medicare Supplement Companies in Duluth, Minnesota

Company	Plans
Americo Financial Life and Annuity Insurance Company	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new
BlueCross BlueShield of Minnesota	Medigap $20 & $50 Copay Plan, Medigap 50% Cost Sharing Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new
BlueCross BlueShield of Minnesota (Eligible Before 1-1-20)	Medigap $20 & $50 Copay Plan, Medigap 50% Cost Sharing Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new
Catholic United Financial	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan
Cigna Health & Life Insurance Company	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan
Colonial Penn Life Insurance Company	Medigap $20 & $50 Copay Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new
Continental Life Insurance Company of Brentwood, Tennessee (Aetna)	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new
Health Partners Plans, Inc.	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan
Health Partners Plans, Inc. (Eligible Before 1-1-20)	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan
Humana (Humana Insurance Company)	Medigap $20 & $50 Copay Plan, Medigap 50% Cost Sharing Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap High Deductible Plan
Lumico Life Insurance Company	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan
Medica Health Plans	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan
National Guardian Life Insurance Company	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new
National Health Insurance Company	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan
Puritan Life Insurance Company of America	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new
Sanford Health Plan of Minnesota	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan
State Farm Mutual Automobile Insurance Company	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new
UCare Health, Inc.	Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan
AARP – UnitedHealthcare Insurance Company (Standard)	Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new
AARP – UnitedHealthcare Insurance Company (Standard/Household)	Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new
Omaha Insurance Company	Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new
Transamerica Life Insurance Company (Direct)	Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new

Duluth, Minnesota Standard Medicare Plan Coverage

Wondering what’s covered by each of the standard Minnesota Medicare supplement plans? Take a look at all of the Duluth, Minnesota Medicare supplement plans with coverage details.

Duluth, Minnesota Standard Medicare Plan Coverage

Plan Name	Monthly Cost	Copays Coinsurance	Deductibles	Plan Benefits
Medigap $20 & $50 Copay Plan	Premiums range from $152-$344 depending on your age, sex, health status, and when you buy.	$0 Generally your cost for approved Part B services with some $20 and $50 copays	$0 Hospital (Part A) deductible, $203 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes
Medigap 50% Cost Sharing Plan	Premiums range from $132-$173 depending on your age, sex, health status, and when you buy.	10% Generally your cost for approved Part B services up to $6,220. Then, you’ll pay $0 for the rest of the year.	$742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No
Medigap 75% Cost Sharing Plan	Premiums range from $185-$259 depending on your age, sex, health status, and when you buy.	5% Generally your cost for approved Part B services up to $3,110. Then, you’ll pay $0 for the rest of the year.	$371 (25% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No
Medigap Basic Plan	Premiums range from $142-$342 depending on your age, sex, health status, and when you buy.	$0 Generally your cost for approved Part B services	$1,484 Hospital (Part A) deductible, $203 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: No Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes
Medigap Extended Basic Plan	Premiums range from $217-$756 depending on your age, sex, health status, and when you buy.	$0 Generally your cost for approved Part B services	$0 Hospital (Part A) deductible, $0 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes
Medigap Extended Basic Plan-new	Premiums range from $200-$605 depending on your age, sex, health status, and when you buy.	$0 Generally your cost for approved Part B services	$0 Hospital (Part A) deductible, $203 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes
Medigap High Deductible Plan	Premiums range from $63-$195 depending on your age, sex, health status, and when you buy.	$0 Generally your cost for approved Part B services after you pay $2,370 deductible	$2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: Yes Part B excess charges: No Foreign travel emergency: Yes
Medigap High Deductible Plan-new	Premiums range from $67-$107 depending on your age, sex, health status, and when you buy.	$0 Generally your cost for approved Part B services after you pay $2,370 deductible	$2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible	Skilled nursing facility: Yes Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes

Standalone Medicare Part D Plans in Duluth, Minnesota

Prescription drug coverage for Medicare in Duluth, Minnesota is covered by a Part D plan. You can purchase Part D coverage in Duluth, Minnesota as a standalone plan if it’s not included in your Medicare Advantage coverage. Take a look at the options for standalone Part D plans here.

Standalone Medicare Part D Plans in Duluth, Minnesota

Plan	Details	Tiers
SilverScript SmartRx (PDP) S5601 – 200 – 0 by Aetna Medicare	Monthly Premium: $7.30 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $19.00 Tier 3: $46.00 Tier 4: 46% Tier 5: 25%
Clear Spring Health Premier Rx (PDP) S6946 – 051 – 0 by Clear Spring Health	Monthly Premium: $14.30 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $3.00 Tier 3: $40.00 Tier 4: 45% Tier 5: 25%
WellCare Wellness Rx (PDP) S4802 – 194 – 0 by WellCare	Monthly Premium: $15.30 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $4.00 Tier 3: $40.00 Tier 4: 47% Tier 5: 25%
WellCare Value Script (PDP) S4802 – 158 – 0 by WellCare	Monthly Premium: $15.70 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $7.00 Tier 3: $43.00 Tier 4: 47% Tier 5: 25%
Humana Walmart Value Rx Plan (PDP) S5884 – 204 – 0 by Humana	Monthly Premium: $17.20 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $4.00 Tier 3: 16% Tier 4: 35% Tier 5: 25%
Cigna Secure-Essential Rx (PDP) S5617 – 304 – 0 by Cigna	Monthly Premium: $22.90 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $2.00 Tier 3: 18% Tier 4: 50% Tier 5: 25%
Mutual of Omaha Rx Premier (PDP) S7126 – 094 – 0 by Mutual of Omaha Rx	Monthly Premium: $23.00 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $2.00 Tier 3: 23% Tier 4: 46% Tier 5: 25%
WellCare Medicare Rx Select (PDP) S5810 – 302 – 0 by WellCare	Monthly Premium: $23.40 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $3.00 Tier 3: $47.00 Tier 4: 42% Tier 5: 25%
Express Scripts Medicare – Saver (PDP) S5660 – 241 – 0 by Express Scripts Medicare	Monthly Premium: $25.20 Annual Deductable: $285 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $2.00 Tier 2: $7.00 Tier 3: $35.00 Tier 4: 50% Tier 5: 28%
WellCare Classic (PDP) S4802 – 089 – 0 by WellCare	Monthly Premium: $28.20 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $3.00 Tier 3: $31.00 Tier 4: 33% Tier 5: 25%
Clear Spring Health Value Rx (PDP) S6946 – 022 – 0 by Clear Spring Health	Monthly Premium: $29.30 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $3.00 Tier 3: $42.00 Tier 4: 34% Tier 5: 25%
AARP MedicareRx Saver Plus (PDP) S5921 – 370 – 0 by UnitedHealthcare	Monthly Premium: $32.10 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $6.00 Tier 3: $34.00 Tier 4: 40% Tier 5: 25%
Cigna Secure Rx (PDP) S5617 – 123 – 0 by Cigna	Monthly Premium: $33.70 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $2.00 Tier 3: $30.00 Tier 4: 50% Tier 5: 25%
SilverScript Choice (PDP) S5601 – 050 – 0 by Aetna Medicare	Monthly Premium: $33.90 Annual Deductable: $240 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $5.00 Tier 3: $35.00 Tier 4: 46% Tier 5: 28%
Humana Basic Rx Plan (PDP) S5884 – 145 – 0 by Humana	Monthly Premium: $34.90 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $1.00 Tier 3: 20% Tier 4: 31% Tier 5: 25%
AARP MedicareRx Walgreens (PDP) S5921 – 406 – 0 by UnitedHealthcare	Monthly Premium: $35.60 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $6.00 Tier 3: $40.00 Tier 4: 40% Tier 5: 25%
WellCare Medicare Rx Saver (PDP) S5810 – 059 – 0 by WellCare	Monthly Premium: $36.50 Annual Deductable: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $3.00 Tier 3: $33.00 Tier 4: 39% Tier 5: 25%
Cigna Secure-Extra Rx (PDP) S5617 – 270 – 0 by Cigna	Monthly Premium: $49.20 Annual Deductable: $100 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes	Tier 1: $4.00 Tier 2: $10.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 31%
Express Scripts Medicare – Value (PDP) S5660 – 127 – 0 by Express Scripts Medicare	Monthly Premium: $49.70 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $3.00 Tier 3: $41.00 Tier 4: 50% Tier 5: 25%
Elixir RxPlus (PDP) S7694 – 025 – 0 by Elixir Insurance	Monthly Premium: $54.90 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $7.00 Tier 3: 15% Tier 4: 33% Tier 5: 25%
Humana Premier Rx Plan (PDP) S5884 – 171 – 0 by Humana	Monthly Premium: $60.80 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $4.00 Tier 3: $45.00 Tier 4: 49% Tier 5: 25%
MedicareBlue Rx Standard (PDP) S5743 – 001 – 0 by Wellmark Blue Cross and Blue Shield of Iowa	Monthly Premium: $66.40 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $7.00 Tier 3: $29.00 Tier 4: 31% Tier 5: 25%
SilverScript Plus (PDP) S5601 – 051 – 0 by Aetna Medicare	Monthly Premium: $70.20 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes	Tier 1: $0.00 Tier 2: $2.00 Tier 3: $47.00 Tier 4: 50% Tier 5: 33%
Mutual of Omaha Rx Plus (PDP) S7126 – 024 – 0 by Mutual of Omaha Rx	Monthly Premium: $75.10 Annual Deductable: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $0.00 Tier 2: $2.00 Tier 3: 20% Tier 4: 37% Tier 5: 25%
WellCare Medicare Rx Value Plus (PDP) S5768 – 148 – 0 by WellCare	Monthly Premium: $76.70 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $1.00 Tier 2: $4.00 Tier 3: $47.00 Tier 4: 50% Tier 5: 33%
Express Scripts Medicare – Choice (PDP) S5660 – 195 – 0 by Express Scripts Medicare	Monthly Premium: $81.00 Annual Deductable: $100 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes	Tier 1: $2.00 Tier 2: $7.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 31%
AARP MedicareRx Preferred (PDP) S5820 – 024 – 0 by UnitedHealthcare	Monthly Premium: $86.50 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No	Tier 1: $5.00 Tier 2: $10.00 Tier 3: $45.00 Tier 4: 40% Tier 5: 33%
MedicareBlue Rx Premier (PDP) S5743 – 004 – 0 by Wellmark Blue Cross and Blue Shield of Iowa	Monthly Premium: $104.70 Annual Deductable: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes	Tier 1: $0.00 Tier 2: $0.00 Tier 3: 17% Tier 4: 40% Tier 5: 33%

Compare Medicare Rates in Duluth, Minnesota

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Frequently Asked Questions

What Medicare plans do these companies offer?

The Medicare plans offered by these companies can vary. However, some common plans offered include Medicare Advantage, Medicare Supplement, and Prescription Drug Plans.

What are the best Medicare companies in Duluth, Minnesota?

Some of the best Medicare companies in Duluth, Minnesota include UnitedHealthcare, Humana, Blue Cross Blue Shield, Aetna, and Medica.

What is Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is a type of health insurance plan offered by private companies that combines the benefits of Medicare Parts A and B. Some Medicare Advantage plans also offer additional benefits, such as dental, vision, and hearing coverage.

What is a Medicare Supplement plan?

A Medicare Supplement plan, also known as Medigap, is a type of health insurance plan that helps cover the out-of-pocket costs that come with Medicare Parts A and B. These plans are offered by private insurance companies and can help pay for costs such as deductibles, copayments, and coinsurance.

What are Prescription Drug Plans?

Prescription Drug Plans, also known as Medicare Part D, are plans offered by private insurance companies that help cover the cost of prescription drugs. These plans are designed to work alongside Medicare Parts A and B and can help reduce out-of-pocket costs for prescription medications.

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Dorothea Hudson

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Written by Dorothea Hudson

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Best Duluth, Minnesota Medicare Companies & Plans (2025)

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Medicare Advantage Companies in Duluth, Minnesota

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Medicare Supplement Companies in Duluth, Minnesota

Duluth, Minnesota Standard Medicare Plan Coverage

Standalone Medicare Part D Plans in Duluth, Minnesota

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Frequently Asked Questions

What Medicare plans do these companies offer?

What are the best Medicare companies in Duluth, Minnesota?

What is Medicare Advantage?

What is a Medicare Supplement plan?

What are Prescription Drug Plans?

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