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HealthPartners Journey Steady (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Journey Steady (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Journey Steady (PPO) in 2026, please refer to our full plan details page.
HealthPartners Journey Steady (PPO) is a PPO plan offered by HealthPartners, Inc. available for enrollment in 2025 to people living in Metro and Central MN Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that HealthPartners Journey Steady (PPO) 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 HealthPartners Journey Steady (PPO).
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.
For HealthPartners Journey Steady (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $165.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $200.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $5100.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $5100.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The HealthPartners Journey Steady (PPO) plan features a $200 annual drug deductible and offers competitive savings on generic medications. Tier 1 preferred generic drugs have no copay for a one-month or three-month supply through standard pharmacies and mail-order services. Tier 2 generic drugs require a low $8 copay for a one-month supply, with three-month supplies costing $16 through preferred mail order or $24 through standard services. For brand-name and specialty medications, the plan utilizes coinsurance during the initial coverage phase. You will pay a 20% coinsurance for Tier 3 preferred brand drugs and a 37% coinsurance for Tier 4 non-preferred drugs. Tier 5 specialty drugs are covered with a 27% coinsurance for a one-month supply through standard pharmacies and mail-order options.
Additional Benefits
The HealthPartners Journey Steady (PPO) plan offers affordable core medical coverage, including primary care visits, preventive services, and home health care with no copays. Specialist visits, physical therapy, and outpatient mental health services require a $25 copay, while inpatient hospital stays carry a flat $250 copay per stay. Emergency room visits have a $150 copay, which is waived if you are admitted within 24 hours, and urgent care visits require a $30 copay. For extra benefits, the plan features dental care with no copays up to a $1,000 annual limit, alongside a $25 copay for routine vision exams and a $250 annual allowance for eyewear. Routine hearing exams are available for a $25 copay, with prescription hearing aids requiring a copay between $399 and $899. Additionally, durable medical equipment and diabetic supplies are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
HealthPartners Journey Steady (PPO) covers inpatient acute and psychiatric hospital stays with a $250 copay per stay and no coinsurance, though prior authorization is required for acute care. While unlimited additional days are covered with no copay, non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
HealthPartners Journey Steady (PPO) covers outpatient services with no coinsurance, featuring a $200 copay for outpatient hospital services and a $150 copay for ambulatory surgical center and daily observation services. Outpatient substance abuse sessions require a $25 copay, and outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
HealthPartners Journey Steady (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HealthPartners Journey Steady (PPO), with ground ambulance services requiring a $250 copay and no coinsurance, and air ambulance services requiring a 20% coinsurance and no copay. Prior authorization is required for ambulance services, and while some transportation services are covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services under the HealthPartners Journey Steady (PPO) are covered with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $30 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and a 20% coinsurance.
Primary Care See details
HealthPartners Journey Steady (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and mental health services require a $25 copay and no coinsurance. Telehealth and other professional services range from a $0 to $25 copay with no coinsurance, though podiatry and routine chiropractic care are not covered.
Preventive Services See details
Preventive Services are partially covered by HealthPartners Journey Steady (PPO) with no copay and no coinsurance for annual physicals, kidney education, screenings, fitness, and nutrition. Remote access technologies are covered with a $0 to $25 copay and no coinsurance, but the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, in-home support, caregiver support, disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by HealthPartners Journey Steady (PPO), which features routine hearing exams for a $25 copay and no coinsurance, alongside prescription hearing aids for a $399 to $899 copay and no coinsurance. This benefit does not cover OTC hearing aids or inner ear, outer ear, and over-the-ear prescription hearing aids.
Vision Services See details
Vision services are partially covered by HealthPartners Journey Steady (PPO), featuring a $25 copay and no coinsurance for one routine eye exam per year, while other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $250 annual limit for contact lenses, upgrades, and eyeglasses (lenses and frames), though individual eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
HealthPartners Journey Steady (PPO) dental services are partially covered with no copay and no coinsurance for covered services, up to a maximum annual benefit of $1,000 for both in-network and out-of-network care. While most preventive and comprehensive dental procedures are covered, orthodontics and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
HealthPartners Journey Steady (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy may be required. Associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the HealthPartners Journey Steady (PPO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
HealthPartners Journey Steady (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, with no copay and a 20% coinsurance for most items. Diabetic supplies range from no coinsurance to 20% coinsurance from specified manufacturers, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
HealthPartners Journey Steady (PPO) partially covers diagnostic and radiological services with prior authorization required. Diagnostic procedures and outpatient X-rays require a $20 copay with no coinsurance, diagnostic radiological services have a $200 copay, and therapeutic radiological services carry a 20% coinsurance, though lab services are not covered.
Home Health Services See details
Home health services are covered by HealthPartners Journey Steady (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthPartners Journey Steady (PPO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all not covered.
Skilled Nursing Facility (SNF) See details
HealthPartners Journey Steady (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by HealthPartners Journey Steady (PPO), featuring acupuncture with a $25 copay and no coinsurance for up to 20 treatments per year, treatment at the scene with a $250 copay and no coinsurance, and both emergency travel logistics and travel counseling with no copay and no coinsurance. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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