PrimeWest Senior Health Complete (HMO D-SNP)

PrimeWest Senior Health Complete (HMO D-SNP) is a HMO D-SNP plan offered by PrimeWest Rural MN Health Care Access Initiative available for enrollment in 2025 to people living in Northern, west central, and southwestern Minnesota. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that PrimeWest Senior Health Complete (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about PrimeWest Senior Health Complete (HMO D-SNP).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The PrimeWest Senior Health Complete (HMO D-SNP) Medicare plan features an annual prescription drug deductible of $615. This deductible is the amount you must pay out-of-pocket for your covered medications before the plan begins to cover its portion of the costs. Understanding this initial cost is a key step in evaluating whether this plan meets your budget and healthcare needs. Specific drug coverage tier details, including individual copayments and coinsurance amounts, are not currently available for this plan. To fully understand your potential medication expenses, you should review the plan's formulary to see how your specific prescriptions are categorized. This will help you estimate your total out-of-pocket costs once the annual deductible is met.

Additional Benefits

The PrimeWest Senior Health Complete (HMO D-SNP) plan offers comprehensive coverage with no copays for most medical services, though many outpatient and specialist benefits require a twenty percent coinsurance. Inpatient hospital stays, home health services, and skilled nursing facility care are fully covered with no copay and no coinsurance. For outpatient care, emergency services, primary care visits, and durable medical equipment, members will pay no copay alongside a twenty percent coinsurance. Specialty benefits under this plan include covered diagnostic lab tests, Medicare-covered dental services, and select vision benefits with no copays. While routine dental, hearing, and vision services are generally not covered, members can take advantage of a monthly twenty-five dollar over-the-counter reimbursement and a yearly chronic illness meal benefit with no copay or coinsurance. Part B drugs, including chemotherapy and insulin, are also covered, with insulin requiring a thirty-five dollar copay.