County guide · Otter Tail County, MN · 2027 plan year
Original Medicare vs Medicare Advantage in Otter Tail County, MN
This guide lists 5 Medicare Advantage plans for 2027 in Otter Tail County, with the yearly cost of each one next to Original Medicare without Medigap. Special needs plans are not on this list.
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- Plans
- 5
- $0 premium
- 1 plans
- Lowest in-network limit
- $6,900
- Highest in-network limit
- $9,850
In Minnesota, you get one more chance at Medigap only up to age 70
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Minnesota can ask about your health and can say no. Minnesota gives people aged 65 to 70 one more chance. If you never had Medigap, you can buy it one time without health questions. Apply from October 15 to December 7 or from January 1 to March 31. Your price then stays 15% to 35% higher for as long as you keep the plan.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare without Medigapand the lowest-cost drug plan | Part B $209.50 + a drug plan from $5.30 | No yearly limit. You pay 20% of most costs. | Not rated | Short list of services | $2,936 | $6,015 | $10,673 |
| Align SecureChoice (PPO)PPO from Align powered by Sanford Health Plan · Plan ID H3186-002 · Medicare.gov | $35 plan + Part B $209.50 | $9,850 in network; $12,850 in and out of network | 3.5 of 5 | 13 services | $3,004 | $6,614 | $12,174 |
| Blue Cross Medicare Advantage Essential (PPO)PPO from Blue Cross and Blue Shield of Minnesota · Plan ID H5959-023 · Medicare.govIts page is set for Stearns County, MN | $10 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 23 services | $3,112 | $7,058 | $13,184 |
| Align SecureChoice Gold (PPO)PPO from Align powered by Sanford Health Plan · Plan ID H3186-001 · Medicare.gov | $112 plan + Part B $209.50 | $7,150 in network; $10,150 in and out of network | 3.5 of 5 | 13 services | $3,923 | $7,521 | $13,163 |
| Blue Cross Medicare Advantage Select (PPO)PPO from Blue Cross and Blue Shield of Minnesota · Plan ID H5959-024 · Medicare.govIts page is set for Stearns County, MN | $165 plan + Part B $209.50 | $6,900 in network; $10,750 in and out of network | 4 of 5 | 23 services | $4,609 | $8,541 | $13,794 |
| Blue Cross Medicare Advantage Freedom Blue (PPO)PPO from Blue Cross and Blue Shield of Minnesota · Plan ID H5959-018 · No drug coverage · Medicare.govIts page is set for Hennepin County, MN | $0 plan + Part B $209.50 (the plan pays back $145 of Part B) | $6,900 in network; $10,750 in and out of network | 4 of 5 | 23 services | $1,152 | $9,161 | $27,915 |
Minnesota sets its own Medigap plans: the Basic Plan and the Extended Basic Plan, with optional riders. Minnesota also sells its own versions of Plans K, L, M, and N. A high-deductible plan is open only to people who were eligible for Medicare before 2020. This guide has no prices for these plans, so the Original Medicare totals leave out Medigap. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Minnesota sets its own Medigap plans: the Basic Plan and the Extended Basic Plan, with optional riders. Minnesota also sells its own versions of Plans K, L, M, and N. A high-deductible plan is open only to people who were eligible for Medicare before 2020. We have no prices or cost model for these plans, so the totals show Original Medicare without Medigap. You can look up Medigap plans and prices for ZIP 56537 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 56537 on Medicare.gov
- Medigap plans in Minnesota: Medicare.gov, Choosing a Medigap Policy (2026), Section 7
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.