Skip to Main Content

Have a licensed agent contact me to:
  • Compare plan costs
  • Estimate savings
  • Help with enrollment

Better Business Bureau Accredited Buisness Your information is protected by our Privacy Policy and partner licensed agents will help with Medicare Advantage, Medicare drug plans, or Medicare Supplements.

 

Medicare Supplement Plans (Medigap) in Minnesota

Medicare Supplement (Medigap) plans in Minnesota are different from Medigap plans offered in other states. If you are a Medicare beneficiary in Minnesota, Medigap insurance can help offset your Original Medicare costs.

How Medigap plans work in Minnesota

Medicare Supplement (Medigap) plans offer additional coverage you can purchase to help with gaps in Original Medicare. These plans are available through private insurance companies. Medigap plans only cover one person, so if you're married, you and your spouse will both need individual policies. You must have Part A and Part B to enroll in a plan, and you'll need to continue paying your Part B premium, in addition to the premium for your Medigap plan.

Medigap isn't meant to be all-inclusive health coverage; it's a way to supplement your Original Medicare benefits. For example, it doesn't include prescription drug coverage, which must be purchased separately with a Medicare Prescription Drug Plan. Also, Medicare Supplement benefits don't work with Medicare Advantage plans.

Minnesota's eligibility rules are different than in other states. In Minnesota, you are first eligible to enroll in a Medigap plan as soon as you enroll in Medicare Part B. Once you have Part B, your six-month Medigap Open Enrollment Period (OEP) begins. During this time, you have guaranteed issue rights, meaning that insurance companies cannot reject you or charge you a higher premium because of pre-existing conditions. Unlike other states, there are no age restrictions that affect your eligibility, as long as you have Part B.

Types of Medigap plans in Minnesota

Medigap plans sold in Minnesota have different standardized benefits than plans offered in other states. In the rest of the country, each state offers a selection of 10 Medigap plans, with each plan type designated by a letter (for example, Plan F). Benefits are the same across each plan letter, regardless of location or insurance company. Minnesota, Massachusetts, and Wisconsin are the exceptions, with each state offering its own standardized Medigap benefits. However, modified versions of Medigap Plans K, L, M, N, and high-deductible F are offered in Minnesota.

Minnesota offers two types of Medigap plans: the Basic Plan and the Extended Basic Plan.

The Basic Plan covers:

  • Part A inpatient hospital coinsurance
  • Part B coinsurance
  • First three pints of blood used in a year
  • Cost-sharing expenses for Part A hospice and respite care
  • Cost-sharing expenses for Part A and Part B home health care
  • Part A skilled nursing facility (SNF) coinsurance for 100 days
  • 80% of the cost of overseas emergency coverage
  • 50% of Part B outpatient mental health costs
  • 20% of physical therapy services
  • Benefits mandated under Minnesota law, including cancer screenings, reconstructive surgery, vaccinations, and diabetic supplies

The Extended Basic Plan covers:

  • Part A inpatient hospital coinsurance
  • Part B coinsurance
  • First three pints of blood used in a year
  • Cost-sharing expenses for Part A hospice and respite care
  • Cost-sharing expenses for Part A and Part B home health care
  • Part A skilled nursing facility (SNF) coinsurance for 120 days
  • 80% of the cost of overseas emergency coverage
  • 50% of Part B outpatient mental health costs
  • 20% of physical therapy services
  • Benefits mandated under Minnesota law, including cancer screenings, reconstructive surgery, vaccinations, and diabetic supplies
  • Part A inpatient hospital deductible
  • Part B deductible
  • Medicare-covered preventive services
  • 80% of usual and customary fees
  • 80% of overseas coverage

The main difference between the two plans is that the standard Basic Plan doesn't cover the Part A inpatient hospital deductible, Part B deductible, usual and customary fees, or non-emergency coverage in a foreign country. The Extended Basic Plan fully covers the Part A and Part B deductibles, and partially covers non-emergency overseas coverage and usual and customary fees. The Extended Basic Plan also pays for Medicare-covered preventive services and an additional 20 days of coinsurance costs for Part A SNF stays.

However, insurance companies allow beneficiaries with Basic Plan coverage to add on optional riders. Basic Plan members can add on any or all of the following benefits:

  • Part A inpatient hospital deductible
  • Part B deductible
  • Usual and customary fees
  • Preventive care not covered under Medicare

Minnesota also offers Medicare SELECT plans. This is a type of Medigap insurance usually has a lower premium cost and requires members to use in-network providers to be fully covered. Medigap guaranteed issue rights also apply to Medicare SELECT plans.

For more information on how Medigap works in Minnesota, visit www.mn.gov or contact Minnesota's State Health Insurance Assistance Program (SHIP) at 1-800-333-2433 from 8AM to 4:40PM.

Choosing a suitable Medigap plan in Minnesota

Medicare Supplement plans in Minnesota come with standardized benefits, meaning that plans of the same type offer the same coverage. All Basic Plans and Extended Basic Plans must offer the same benefits detailed above. However, insurance companies may charge different premiums for the same benefits. When comparing plans, pay attention to how the insurance company prices its premiums, not just the current premium cost. The insurer's pricing method can affect your premium costs both now and in the future.

When choosing a Medicare Supplement plan in Minnesota, it's important to compare all available plans in your county to find the one that best suits your health needs. If you're ready to review the available plans in your area, here are some ways you can find out more:

  • Contact the Medicare plan directly.
  • Call 1-800-MEDICARE (1-800-633-4227), TTY users 1-877-486-2048; 24 hours a day, 7 days a week.
  • Contact a licensed insurance agency such as PlanPrescriber's parent company, eHealth.
    • Call eHealth agents at 1-888-323-1149, TTY users 711; Monday through Friday, 8AM to 8PM ET, Saturday, 9AM to 6PM ET.
    • Or enter your zip code where requested on this page to see a quote.

Medicare has neither reviewed nor endorsed this information.



By submitting this form, you agree that a licensed sales agent may contact you to discuss the specific types of products listed above and you acknowledge that you have read and understand PlanPrescriber's Terms and Conditions.

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies approved by Medicare and provide Medicare Part A and Part B coverage. Medicare prescription drug coverage is insurance run by an insurance company or other private company approved by Medicare. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the "gaps" in original Medicare coverage.

 
tracking pixel