Medicare Advantage · 1876 Cost
Blue Cross and Blue Shield of Minnesota
Plan year 2026

Platinum Blue Core Plan (Cost) H2461-005

3.5 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$41
+ your Part B premium
Max out-of-pocket
$6,000
in-network annual cap
Primary care
$20
per visit copay
Specialist
$45
per visit
This plan does not include Part D drug coverage
Before enrolling, confirm how your prescriptions will be covered. Whether you can add a standalone Part D plan depends on the Medicare Advantage plan type; pairing one with most MA HMO or PPO plans can disenroll you from Medicare Advantage. A gap in creditable drug coverage may lead to a Part D late enrollment penalty later.

Part D late enrollment penalty

If you go 63 days or more in a row after your Part D initial enrollment period without Part D or other creditable prescription drug coverage, you may owe a penalty if you join Part D later. The penalty is 1% of the national base beneficiary premium ($38.99 in 2026) for each full uncovered month. It is added to your monthly Part D premium for as long as you have Part D, and the base premium can change each year.

Who this type of plan may fit

MA-Only plans are generally considered by people who already have creditable prescription drug coverage, such as coverage from the VA, TRICARE, or a current or former employer or union. Your coverage provider—not this page—must tell you whether your current drug coverage is creditable.

Before you enroll
  • Find your current plan's annual Notice of Creditable Coverage or ask its benefits administrator.
  • Confirm in this plan's official documents whether adding a standalone drug plan is allowed.
  • Do not drop existing drug coverage until you understand how the change affects both coverages.
Review the creditable coverage checklist

Your costs at a glanceIn-network, for the 2026 plan year

Drug coverage
Not included
Inpatient hospital
Days 1-5: $300/day, Days 6-90: $0/day
Inpatient mental health
Days 1-5: $300/day, Days 6-90: $0/day
Outpatient surgery
20%
Emergency room
$130
Urgent care
$50

What's included, and what it's actually worth3 benefits included. Tap any card for the detail

Hearing

$699–$999copay per hearing aid
Details$699–$999 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

OTC allowance

$25/quarter OTC allowance
Prepaid card$25/quarter OTC allowance
See more details about this plan
Doctor Visits: PCP$20 copay
In-network$20 copay per visit
Doctor Visits: Specialist$45 copay
In-network$45 copay per visit
Inpatient Hospital$300/day, days 1–5
In-networkDays 1-5: $300/day, Days 6-90: $0/day
Outpatient Surgery20%
In-network20% per procedure
Mental HealthDays 1-5: $300/day, Days 6-90: $0/day
Inpatient psychiatricDays 1-5: $300/day, Days 6-90: $0/day
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors you added

Our take

Things to know before you enroll

This plan’s out-of-pocket maximum is above the national median.
Limited coverage while traveling outside the plan’s service area.
Does not include prescription drug coverage — confirm whether you can keep other creditable coverage or pair this plan with a standalone Part D plan.
Late enrollment penalty risk if you go without creditable drug coverage for 63+ days.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about Platinum Blue Core Plan (Cost) (1876 Cost)

What does Platinum Blue Core Plan (Cost) (1876 Cost) cover?

Platinum Blue Core Plan (Cost) (1876 Cost) is a Medicare Advantage plan that the current plan record identifies as not including Part D prescription drug coverage. The plan record does not identify Part D prescription drug coverage. Published supplemental benefits include hearing ($699–$999 copay per hearing aid), over-the-counter (OTC) ($25/quarter OTC allowance), and meals (Meal benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does Platinum Blue Core Plan (Cost) (1876 Cost) cost in 2026?

The published 2026 monthly plan premium for Platinum Blue Core Plan (Cost) (1876 Cost) is $41. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The in-network medical out-of-pocket maximum is $6,000; it does not include Part D drug spending. Published visit costs include primary care $20 and specialist visits $45. These figures are plan data, not a personal yearly-cost estimate.

Can I use my current doctors with Platinum Blue Core Plan (Cost) (1876 Cost)?

CMS lists Platinum Blue Core Plan (Cost) (1876 Cost) as a 1876 Cost plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Check your doctors

Does Platinum Blue Core Plan (Cost) (1876 Cost) include prescription drug coverage?

Platinum Blue Core Plan (Cost) (1876 Cost) is listed in the current plan record as a Medicare Advantage plan without Part D prescription drug coverage. Do not assume that a separate standalone Part D plan can be added: many Medicare Advantage plans cannot be paired with a PDP, and joining one can affect Medicare Advantage enrollment. Confirm this plan's rules and how your prescriptions will be covered before enrolling.

Browse standalone Part D plans

What extra benefits does Platinum Blue Core Plan (Cost) (1876 Cost) offer beyond Original Medicare?

The current plan record for Platinum Blue Core Plan (Cost) (1876 Cost) lists hearing ($699–$999 copay per hearing aid), over-the-counter (OTC) ($25/quarter OTC allowance), and meals (Meal benefit). The current data does not list dental, vision, fitness, and transportation as offered benefits. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

When can I enroll in Platinum Blue Core Plan (Cost) (1876 Cost)?

Platinum Blue Core Plan (Cost) (1876 Cost) is a 2026 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

More plan options

Browse the full 2026 Medicare Advantage without drug coverage directory. This plan is offered in Minnesota. Plan availability can vary by county.

Helpful next steps

Platinum Blue Core Plan H2461-005 (Cost) — 2026 Costs & Benefits