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HealthPartners Journey Stride (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Journey Stride (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Journey Stride (PPO) in 2025, please refer to our full plan details page.
HealthPartners Journey Stride (PPO) is a PPO plan offered by HealthPartners, Inc. available for enrollment in 2025 to people living in Metro, Central, and Greater MN Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that HealthPartners Journey Stride (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 Stride (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 Stride (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $41.00. 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 $300.00 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 $6000.00 (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 $6000.00 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 Stride (PPO) plan has a $300 deductible for prescription drugs. After you meet your deductible, you will pay a copay or coinsurance depending on the drug tier and the pharmacy you use. For preferred generic drugs, you will pay a $12 copay. Standard generic drugs have a $47 copay. Preferred brand drugs have a 50% coinsurance, and non-preferred drugs have a 29% coinsurance. After your total drug costs reach $2000, you will enter the catastrophic coverage phase where you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The HealthPartners Journey Stride (PPO) plan offers comprehensive coverage with a variety of benefits. Hospital stays have a copay for the first few days, but then have no copay for the remainder of the stay. The plan also covers outpatient services, emergency services, primary care, preventive services, and home health services with a mix of copays and coinsurance. This plan also includes coverage for vision, dental, and hearing services. Hearing exams and vision exams have a copay, while some vision services have no copay. Dental services include some coverage, but other services are optional. Additionally, the plan covers services like ambulance, medical equipment, and skilled nursing facilities with various cost-sharing arrangements.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For days 1-5, there is a $250 copay, and days 6-90 have no copay. Additional days for both Inpatient Hospital-Acute and Inpatient Hospital Psychiatric have no copay. Non-Medicare-covered stay and upgrades for Inpatient Hospital-Acute, and Non-Medicare-covered stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a $350 copay, and observation services with a $250 copay. Ambulatory Surgical Center (ASC) Services have a $300 copay, and outpatient substance abuse services have a $40 copay for both individual and group sessions. Outpatient Blood Services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the HealthPartners Journey Stride (PPO) plan, with a copay of $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the HealthPartners Journey Stride (PPO) plan, with prior authorization required for all ambulance services. Ground ambulance services have a $300 copay, while air ambulance services have a 20% coinsurance, and transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the HealthPartners Journey Stride (PPO) plan. Emergency Services have a $125 copay with no coinsurance, while Urgently Needed Services have a $40 copay with no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a 20% coinsurance.
Primary Care See details
Primary Care includes coverage for Chiropractic Services with a $20 copay, Occupational Therapy Services with a $40 copay, Physician Specialist Services with a $40 copay, and Mental Health Specialty Services with a $20-$40 copay depending on the service. This plan does not cover Podiatry Services, but it does cover Other Health Care Professional services with a $0-$40 copay, Psychiatric Services with a $20-$40 copay depending on the service, Physical Therapy and Speech-Language Pathology Services with a $40 copay, Additional Telehealth Benefits with a $0-$40 copay, and Opioid Treatment Program Services with a $40 copay.
Preventive Services See details
The HealthPartners Journey Stride (PPO) plan covers preventive services, including annual physical exams, with additional services such as nutritional/dietary benefits, home-based palliative care, additional sessions of smoking and tobacco cessation counseling, fitness benefits, remote access technologies and kidney disease education services. Some services, including health education, in-home safety assessments, and counseling services, are not covered.
Hearing Services See details
Hearing services with HealthPartners Journey Stride (PPO) include routine hearing exams with a $40 copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a copay between $499 and $999, but hearing aids for the inner, outer, or over-the-ear are not covered, and neither are OTC hearing aids.
Vision Services See details
Vision services include coverage for eye exams with a $40 copay, and also covers routine eye exams once per year. Eyewear benefits are also covered, including contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades, all with no copay or coinsurance.
Dental Services See details
Dental Services include coverage for oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, and periodontics. Other services such as adjunctive general services, endodontics, prosthodontics (removable and fixed), oral and maxillofacial surgery, and implant services are offered as an optional, supplemental benefit. Maxillofacial prosthetics and orthodontics are not covered. Restorative services have a 50% coinsurance. Periodontics has a coinsurance between 0% and 50%. There is a maximum plan benefit coverage of $2,000 per year for both in-network and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Insulin, Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. There is a $35 copay for Medicare Part B Insulin Drugs, and coinsurance applies to all other services, with a minimum of 0% and a maximum of 20% coinsurance depending on the service.
Dialysis Services See details
Dialysis Services are covered under the HealthPartners Journey Stride (PPO) plan, with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment has a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies also have a 20% coinsurance. Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services with a $50 copay for Medicare-covered lab services and coverage for Diagnostic Procedures/Tests with a $50 copay. Diagnostic Radiological Services have a copay of at least $225, while Therapeutic Radiological Services have a 20% coinsurance. Outpatient X-Ray Services have a $25 copay.
Home Health Services See details
Home Health Services are covered by the HealthPartners Journey Stride (PPO) plan with no copay and no coinsurance. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are generally covered, but none of the sub-services are covered, including Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the HealthPartners Journey Stride (PPO) plan. For days 1-20, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
Other Services includes coverage for acupuncture with a $40 copay, and over-the-counter items with a maximum benefit coverage amount of $50 every three months. The plan also covers meal benefits for a chronic illness, US emergency travel logistics, travel counseling, and treatment at the scene with a $300 copay. Several other services are not covered.
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