If you’re over 65 years old and are enrolled in both Medicaid and Medicare, you might be eligible for a low- or no-cost dual plan, such as the Minnesota Senior Health Options (MSHO) plan.
Let’s take a closer look at how dual Medicare and Medicaid coverage works and what you can expect from MSHO in terms of cost.
How do no- or low-cost Medicare and Medicaid plans work?
MSHO combines Medicaid (called Medical Assistance in Minnesota) and Medicare Parts A, B and D in one plan. It has coverage for all these types of care: hospital, medical, dental, prescription drugs, home and community-based services, long-term care, and extra benefits to support healthy living.
| Health care cost | What you pay if you have a Minnesota Senior Health Options (MSHO) plan |
|---|---|
| Monthly premium | |
| Medical Assistance | $0 |
| Medicare Part A | $0 |
| Medicare Part B | $0 |
| Medicare Part D | $0 |
| Deductible | $0 |
| Copays | |
| Covered medical services in network | $0 |
| Outpatient prescription drugs | $0 or a small copay, depending on your income or if you live in a long-term care facility |
Learn how to get Medicare and Medicaid in one plan
If you think you’re eligible for an MSHO plan, you can get information from:
- Your County Human Services office
- The Minnesota Department of Human Services website or call 800-657-3739
- Your State Health Insurance Assistance Program (SHIP); the Senior LinkAge Line® is the SHIP in Minnesota and offers free, independent health plan consulting at 800-333-2433, TTY 711, 8 a.m. to 4:30 p.m. Monday through Friday
- The sales team at an insurance company that offers MSHO plans
Have more MSHO questions?
Our experts are here to help you find the best Medicare plan for the way you live. Learn more about Minnesota Senior Health Options.