Minnesota Medicare Supplement Plan Quotes

Medicare Supplement Insurance Plans in Minnesota

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What Are Medicare Supplement Insurance Plans in Minnesota?

Minnesota is one of three waivered states when it comes to Medicare Supplement Insurance for residents age 65 and older. In Minnesota, a Medicare Supplement Insurance plan, also called Medigap, is designed to work with Medicare Parts A and B (Original Medicare) and provides coverage for things like copayments, coinsurance and deductibles that are not covered by Original Medicare.

In Minnesota, Medigap policies are standardized in a different way as compared to most of the other states. For most states, there are 8 Medigap plans available to those eligible for Medicare and the Plan names are labeled A-N. However in Minnesota, Medicare Supplement Insurance plans are available throughout the state as either a Medigap Basic plan or Medigap Extended Basic plan. The costs may be different based on which insurance carrier offers the plans.

Medicare Supplement Insurance Plans in Minnesota - Image

Minnesota residents looking for a Medicare Supplement Insurance plan should thoroughly evaluate all available plans and make a determination based on personal health needs and budget.

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What Are the Medicare Supplement Insurance Plan Choices in Minnesota?

As mentioned above, residents of Minnesota can choose from a Basic Plan or Extended Basic Plan. Below is a description of Medicare’s basic benefits as well as the benefits included in the Basic Plan and Extended Basic Plan:

Basic Benefits

Inpatient hospital care: covers the Part A coinsurance
Medical costs: covers the Part B coinsurance (generally 20% of the Medicare-approved amount)
Blood: covers the first 3 pints of blood each year
Part A hospice coinsurance or copayment
Parts A and B home health services and supplies cost sharing

Basic Plan

Basic benefits
Part A: skilled nursing facility (SNF) coinsurance (provides 100 days of SNF care)
80% of foreign travel emergency
50% of outpatient mental health
Medicare-covered preventive care
20% of physical therapy
State-mandated benefits (diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations)

Note: Insurance companies can offer 4 additional riders that can be added to a Basic Plan. You may choose from any or all of these riders. Riders include: 1) Part A inpatient hospital deductibles, Part B deductible, 3) Usual and customer fees and 4) Non-Medicare preventive care.

Extended Basic Plan

Part A: inpatient hospital deductible
Part A: skilled nursing facility (SNF) coinsurance (provides 120 days of SNF care)
Part B: deductible
80%* of foreign travel emergency
50% of outpatient mental health
80%* of usual and customary fees
Medicare-covered preventive care
20% of physical therapy
80%* of coverage while in a foreign country
State-mandated benefits (diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations)

* The plan pays 100% after you spend $1,000 in out-of-pocket costs for a calendar year.

As reported by America’s Health Insurance Plans (AHIP), 224,513 Minnesota beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Minnesota enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	130	2,245	172	8	2,166	1,552	91	33	125	1,172	38	44	472	790

Source:

AHIP

(2021)

It is important to note that your Minnesota Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to help you with prescription drug costs or you can consider a Medicare Advantage plan.

To learn more about your Medicare Supplement Insurance plan options in Minnesota, work with a SelectQuote licensed insurance agent. Acting as your advocate, our licensed insurance agents can guide you through the Medicare maze to better understand the Medigap plan options in Minnesota and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Minnesota.

Minnesota residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When Can I Enroll in a Minnesota Medicare Supplement Insurance Plan?

Initial enrollment timeframes are very important. Enrollment for a Minnesota Medicare Supplement Insurance plan begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Minnesota residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Those under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this window of time, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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How Do I Find the Right Minnesota Medicare Supplement Insurance Plan?

When you’re ready to choose between the Basic and Extended Basic Medicare Supplement plans, it’s a good idea to talk to a licensed insurance agent at SelectQuote. We can help you understand the ins and outs of these plans and ensure you receive all available Medicare benefits. As a trusted independent third-party company, SelectQuote is here to help you find the right Medicare plan to meet your needs and budget.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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