Medicare Coverage for Cancer in Minnesota
| Medicare Part A Coverage | Yes — hospital and inpatient care |
|---|---|
| Medicare Part B Coverage | Yes — 80% after deductible |
| Medicare Part D Coverage | Yes — prescription drugs covered |
| Your Cost Share (Part B) | 20% after $240 deductible |
| Average Annual Medicare Cost (Cancer) | $58,400 |
| Medicare Beneficiaries in Minnesota | 1,180,000 |
Does Medicare Cover Cancer in Minnesota?
Yes — Medicare covers cancer treatment in Minnesota under both Part A (hospital/inpatient) and Part B (outpatient/physician services). The average annual Medicare cost for Cancer is approximately $58,400, with Medicare paying 80% of approved charges after the Part B deductible ($240 in 2026).
What Medicare Covers for Cancer in Minnesota
- chemotherapy
- radiation therapy
- surgery
- immunotherapy
- cancer screenings
- clinical trials
- hospice care
- pain management
Your Out-of-Pocket Costs for Cancer in Minnesota
Under Original Medicare in Minnesota, you pay 20% of all Part B-covered cancer services after meeting the annual deductible ($240 in 2026). There is no out-of-pocket maximum under Original Medicare, which means costs can add up significantly for serious conditions. The average Minnesota Medicare beneficiary with cancer pays approximately $11,680/year in out-of-pocket costs under Original Medicare.
Cost Comparison: Original Medicare vs. Medicare Advantage for Cancer in Minnesota
| Coverage Type | Annual Out-of-Pocket (Estimated) | Out-of-Pocket Maximum | Prescription Coverage |
|---|---|---|---|
| Original Medicare (Parts A+B) | $11,680 | No limit | Separate Part D plan required |
| Original Medicare + Medigap Plan G | $3,160 + $1,776 Medigap premiums | Effectively capped | Separate Part D plan required |
| Medicare Advantage (avg in Minnesota) | Varies by plan | Capped (varies) | Usually included |
Medicare Advantage Coverage for Cancer in Minnesota
Medicare Advantage plans in Minnesota must cover all services that Original Medicare covers for cancer, but may have different cost-sharing structures. With 38 MA plans available in Minnesota, you can compare plans specifically for their cancer coverage, including specialist networks, prior authorization requirements, and drug formularies. The average MA plan in Minnesota is rated 4.2 stars by CMS.
Medicare Part D Coverage for Cancer Medications in Minnesota
Medicare Part D covers prescription drugs used to treat cancer in Minnesota. In 2026, the maximum out-of-pocket cap for Part D drugs is $2100/year — a significant protection for patients with high drug costs. Minnesota has 23 standalone Part D plans available. Drug coverage varies by plan formulary, so compare plans at medicare.gov/plan-compare to find the best coverage for your specific medications.
Medicaid and Cancer in Minnesota
Minnesota has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage. For dual-eligible individuals in Minnesota with cancer, Medicaid covers Medicare cost-sharing (premiums, deductibles, and copays), providing comprehensive coverage with minimal out-of-pocket costs.
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