HealthPartners Journey Smart (PPO)

HealthPartners Journey Smart (PPO) is a PPO plan offered by Healthpartners, Inc. available for the 2026 plan year 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 Smart (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 Smart (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.

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 HealthPartners Journey Smart (PPO) prescription drug plan features an annual drug deductible of $400. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply filled at standard pharmacies or via mail order. Tier 2 generic medications cost a $5 copay for a 1-month supply, while a 3-month supply is $10 through preferred mail order and $15 at standard pharmacies or standard mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 20% coinsurance, and Tier 4 non-preferred drugs carry a 38% coinsurance for both 1-month and 3-month fills. Tier 5 specialty drugs require a 25% coinsurance for a 1-month supply across standard pharmacies and mail-order channels.

Additional Benefits

The HealthPartners Journey Smart (PPO) plan offers affordable coverage for your everyday healthcare needs, featuring no copay and no coinsurance for primary care visits and routine preventive services. Specialist visits, physical therapy sessions, and urgent care services require a $50 copay, while emergency room visits carry a $130 copay. If you require hospitalization, inpatient stays cost a $450 daily copay for days one through five with no copay for subsequent days, while outpatient hospital services have a $500 copay. Beyond medical care, the plan provides dental coverage with no copay or coinsurance up to a $2,000 yearly maximum for preventive care, periodontics, and implants. Routine vision and hearing exams are available for a $50 copay, which includes a $250 annual eyewear allowance and prescription hearing aid copays between $499 and $999. Additionally, durable medical equipment, prosthetic devices, and dialysis services are covered with no copay and a 20% coinsurance.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.