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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 2026, 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 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 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 $60.00. 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) prescription drug plan features an annual drug deductible of $300. Under this plan, Tier 1 preferred generic drugs are highly affordable, requiring no copay for one-month and three-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs cost $8 for a one-month supply, with three-month mail-order options available for as low as $16. For higher-tier medications, costs are based on coinsurance rather than set copays. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs carry a 35% coinsurance for both one-month and three-month supplies. Specialty Tier 5 drugs require a 27% coinsurance for a one-month supply across standard pharmacies and mail-order channels.
Additional Benefits
The HealthPartners Journey Stride (PPO) plan offers comprehensive medical coverage with no copay or coinsurance for primary care doctor visits, preventive care, and home health services. Specialist visits and urgent care require a $40 copay, while inpatient hospital stays feature a $250 daily copay for the first five days and no copay for additional days. Outpatient hospital services and emergency room visits are also covered with copays of $350 and $130, respectively. For supplemental care, the plan includes a $2,000 annual dental benefit with no copay for preventive dentistry alongside no copay for covered eyewear. Routine vision and hearing exams are available for a $40 copay, and prescription hearing aids require a copay ranging from $499 to $999. Durable medical equipment and Medicare Part B drugs are covered with no copay and a coinsurance of up to 20 percent.
Inpatient Hospital See details
HealthPartners Journey Stride (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 daily copay for days 1 through 5 and no copay for days 6 and beyond, including unlimited additional days. Prior authorization is required for acute stays, and upgrades or non-Medicare-covered stays are not covered.
Outpatient Services See details
HealthPartners Journey Stride (PPO) covers outpatient services with no coinsurance, including a $350 copay for outpatient hospital services, a $250 daily copay for observation services, and a $300 copay for ambulatory surgical center services. Outpatient substance abuse sessions require a $40 copay, while outpatient blood services are provided with no copay, coinsurance, or deductible.
Partial Hospitalization See details
HealthPartners Journey Stride (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance.
Ambulance and Transportation Services See details
HealthPartners Journey Stride (PPO) covers ambulance services with a $300 copay and no coinsurance for ground transport, and a 20% coinsurance and no copay for air transport, with prior authorization required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HealthPartners Journey Stride (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services require no copay and a 20% coinsurance.
Primary Care See details
HealthPartners Journey Stride (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and psychiatric services require a $40 copay and no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, excluding other non-routine chiropractic services, while podiatry services are not covered.
Preventive Services See details
HealthPartners Journey Stride (PPO) covers preventive services, including annual physical exams, kidney disease education, and other screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered with no coinsurance and include fitness programs, nutritional counseling, and remote access technologies with a $0 to $40 copay, though services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
HealthPartners Journey Stride (PPO) covers hearing services, including one annual routine exam for a $40 copay and no coinsurance, and unlimited hearing aid evaluations. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $499 to $999 for up to two aids per year, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
HealthPartners Journey Stride (PPO) partially covers vision services, offering one routine eye exam per year for a $40 copay and no coinsurance, while other eye exams are not covered. Eyewear is covered with no copay and no coinsurance for contact lenses and eyeglasses (lenses and frames), but individual eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
HealthPartners Journey Stride (PPO) offers partially covered dental services with a $2,000 annual maximum benefit for both in-network and out-of-network care. Preventive and diagnostic services feature no copay and no coinsurance, while covered comprehensive services require no copay and 0% to 75% coinsurance. Orthodontics and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
HealthPartners Journey Stride (PPO) covers home infusion bundled services with no copay and no coinsurance, although prior authorization is required. Under this plan, Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by HealthPartners Journey Stride (PPO) with no copay and a 20% coinsurance.
Medical Equipment See details
HealthPartners Journey Stride (PPO) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with no copays. A 20% coinsurance applies to most items, while diabetic supplies range from no coinsurance to 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
HealthPartners Journey Stride (PPO) partially covers diagnostic and radiological services, requiring prior authorization and excluding lab services. Covered diagnostic procedures have a $50 copay and no coinsurance, while radiological services range from a $25 copay for X-rays and a minimum $225 copay for diagnostic radiology, to a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered by HealthPartners Journey Stride (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
HealthPartners Journey Stride (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
HealthPartners Journey Stride (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 while a prior three-day hospital stay is not needed, additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
HealthPartners Journey Stride (PPO) provides partially covered other services, including acupuncture for a $40 copay and no coinsurance, treatment at the scene for a $300 copay and no coinsurance, and chronic illness meals, emergency travel logistics, travel counseling, and over-the-counter items with no copay and no coinsurance. Dual Eligible SNPs with Highly Integrated Services are not covered.
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