by Russell Noga | Updated August 22nd, 2023
Minnesota Medigap plans have a different structure and rules from other states.
You don’t have as many plan options, but the state mandates these plans provide certain levels of coverage.
This article unpacks the types of Medicare supplement plans Minnesota has to offer seniors eligible for Medicare Parts A & B.
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Medicare Supplement Plans Minnesota – How Do They Work?
Medicare supplement plans 2024 in Minnesota cover the following out-of-pocket medical and hospital expenses not covered by Original Medicare Parts A & B.
You have options for the Basic or Extended Basic plan and high-deductible options, plus a few newly introduced plans.
What Does the Basic Plan Cover?
- Part A coinsurance after 60 days of inpatient hospital care.
- 100 days of care at a skilled nursing facility.
- Hospice care.
- First 3 pints of blood
- Part B coinsurance
- 50% coverage for outpatient mental health services.
- 20% coverage for physical therapy services.
- 80% of emergency medical costs during the first 60 days of travel outside the US.
- State-mandated benefits for diabetic supplies and equipment, immunizations, routine cancer screening, and reconstructive surgery.
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The Basic Plan doesn’t provide coverage for the following expenses.
- Part A deductible.
- Part B deductible.
- Usual and customary fees
What Does the Medigap Extended Basic Plan Cover?
Part A coinsurance after 60 days of inpatient care.- Hospice care.
- Part A deductible.
- First 3 pints of blood.
- Part A care at a skilled nursing facility (SNF) coinsurance (120 days of SNF care).
- 80% of emergency medical costs during the first 60 days of travel outside the US.
- Part B deductible (For beneficiaries qualifying for Original Medicare before January 1, 2020).
- 50% cost sharing for outpatient mental health services.
- 80% coverage for usual and customary fees (100% after spending $1,000 in out-of-pocket costs per year).
- Medicare-covered preventive care services.
- 20% of the costs for physical therapy.
- State-mandated benefits for diabetic supplies and equipment, immunizations, routine cancer screening, and reconstructive surgery.
The Medigap Extended Basic Plan – New
This plan is similar to the Plan G policy offered in other states. You get near-comprehensive coverage for all Parts A & B expenses.
The only out-of-pocket cost is the Part B deductible.
The plan includes coverage for the following.
- Care at a skilled nursing facility
- Part A deductible
- Part B excess charges
- 80% of emergency medical costs during the first 60 days of travel outside the US.
The Medigap High Deductible Plan – New
This plan is similar to the Plan N policy offered in other states. You get a Medigap Extended Basic Plan without coverage for Part B excess charges or the Part B deductible.
However, you have coverage for the following.
You’ll also have the Part A deductible increase from $1,600 to $2,700, but you get a lower monthly premium.
- Skilled nursing facility
- Part A deductible
- 80% of emergency medical costs during the first 60 days of travel outside the US.
You Can Add Riders to a Basic Plan
Medigap plans in Minnesota allow you to add the following “riders” to your policy to customize your coverage to your healthcare needs.
- Part A inpatient hospital deductible
- Part B deductible coverage
- Part B excess charges coverage
- Preventive Medical Care coverage up to $120 per year
How Much Do Medigap Policies Cost in Minnesota?
The monthly premiums for your Medigap plan vary, depending on the provider you choose.
Some providers offer beneficiaries additional perks like discounts on dental, hearing, and vision services or discounts on health and wellness products and OTC medications.
Your age, smoking status, and where you live play the biggest roles in how your provider sets your monthly premium.
Here are the average costs of monthly premiums from the leading Medigap providers in Minnesota.
65-Year-Old Male Nonsmoker
Plan Type Premium Range
Medigap Extended Basic Plan $217-$756
Medigap Extended Basic Plan – New $200-$550
Medigap High Deductible Plan – New $67-$92
65-Year-Old Female Nonsmoker
Plan Type Premium Range
Medigap Extended Basic Plan $217-$756
Medigap Extended Basic Plan – New $200-$550
Medigap High Deductible Plan – New $67-$92
What Health Insurers Offer Medigap Supplement Plans Minnesota?
The following leading healthcare insurers offer Medigap plans in Minnesota.
- Americo Financial Life & Annuity Insurance Company
- AARP – UnitedHealthcare Insurance Company
- Blue Cross Blue Shield of Minnesota
- Cigna Health
- Catholic United Financial
- Colonial Penn
- Continental Life Insurance Company of Brentwood, Tennessee
- Health Partners Plans, Inc.
- Humana
- Lumico Life Insurance
- Mutual of Omaha
- Medica Health Plans
- National Health Insurance Company
- National Guardian Life Insurance Company
- Puritan Life Insurance Company of America
- State Farm
- Sanford Health Plan of Minnesota
- Transamerica Life Insurance Company
- UCare Health, Inc.
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How Do I Sign Up for Medicare Supplement Plans Minnesota?
You can enroll in a Medigap plan in the six months after turning 65, known as the “Open Enrollment” window.
During Open Enrollment, the insurer must accept your application, and they can’t force you to undergo medical underwriting. Medical underwriting is a questionnaire asking if you have any pre-existing health conditions, such as high blood pressure or diabetes.
The insurer must accept your application to join their Medigap plan, and they can’t charge you higher-than-average premiums if you have a chronic health condition.
If you decide to enroll outside this window, the insurer may request you undergo medical underwriting.
If they discover you have a chronic health condition, they may increase your premiums or ask you to wait three to six months before activating your benefits.
Sometimes, they may refuse you a policy if they feel the risk of insuring you is too high. In some situations, you also have “guaranteed issue rights” to a Medigap policy.
Some criteria qualifying you for guaranteed issue rights include the following scenarios.
- Moving out of the coverage area of your existing provider.
- Leaving a Medicare Advantage Plan for a Medigap plan in the first year of coverage.
- If your employer discontinues their healthcare plan or you leave their healthcare plan to retire.
- Your current provider goes bankrupt.
- You change plans in the first 30 days of signing up, known as the “free look period.”
Contact our team, and we’ll get you the best rates on any Medigap plan and discuss whether you have access to guaranteed issue rights.
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Frequently Asked Questions
What are Medicare Supplement Plans in Minnesota and how do they work?
Medicare Supplement Plans in Minnesota, also known as Medigap plans, are private insurance policies designed to fill the gaps in coverage left by Original Medicare. These plans work alongside Medicare and help pay for out-of-pocket costs such as deductibles, copayments, and coinsurance.
How do I qualify for Medicare Supplement Plans in Minnesota?
To qualify for a Medicare Supplement Plan in Minnesota, you must be enrolled in Medicare Part A and Part B. The best time to enroll is during the six-month open enrollment period that begins on the first day of the month in which you turn 65 and are enrolled in Part B.
Are Medicare Supplement Plans in Minnesota standardized?
Yes, Medicare Supplement Plans in Minnesota are standardized and follow a lettered system (A, B, C, D, F, G, K, L, M, and N). The benefits for each plan type are standardized by law, but the costs and availability may vary between insurance companies.
Can I use any doctor or hospital with Medicare Supplement Plans in Minnesota?
Yes, Medicare Supplement Plans in Minnesota generally allow you to visit any healthcare provider that accepts Medicare. There are no networks or restrictions on choosing doctors or hospitals.
Do Medicare Supplement Plans in Minnesota cover prescription drugs?
No, Medicare Supplement Plans in Minnesota do not include prescription drug coverage. To get coverage for prescription drugs, you will need to enroll in a separate Medicare Part D prescription drug plan.
Can I switch Medicare Supplement Plans in Minnesota?
Yes, you can switch Medicare Supplement Plans in Minnesota. However, it’s important to note that you may need to go through medical underwriting, which means the insurance company can consider your health status when determining your eligibility and premium rates.
How do Medicare Supplement Plans in Minnesota affect my Medicare coverage?
Medicare Supplement Plans in Minnesota work alongside Original Medicare and do not replace it. Your Medicare coverage remains intact, and the supplement plan helps cover the gaps in Medicare’s coverage.
Can I enroll in a Medicare Supplement Plan in Minnesota if I have a pre-existing condition?
Yes, during your open enrollment period, insurance companies cannot deny you coverage or charge you higher premiums based on pre-existing conditions. However, if you apply for a plan outside of the open enrollment period, you may undergo medical underwriting.
Are there any financial assistance programs available for Medicare Supplement Plans in Minnesota?
No, there are no specific financial assistance programs to help with the costs of Medicare Supplement Plans in Minnesota. However, there may be other programs available to assist with healthcare costs, such as Medicaid or Medicare Savings Programs.
How do I choose the right Medicare Supplement Plan in Minnesota?
When selecting a Medicare Supplement Plan in Minnesota, consider factors such as the cost of premiums, coverage benefits, and the reputation and financial stability of the insurance company. It’s also helpful to compare multiple plans to find the one that best meets your specific needs and budget.
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Searching for the right Medicare plan doesn’t have to be confusing. Whether it’s a Medigap plan or you have questions about Medicare Advantage or Medicare Part D, we can help.
Reach out today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
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Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.