Medicare Supplement plans in Minnesota

Jory Cross by Jory Cross | Licensed since 2012
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This article was updated on: 10/09/2018

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Do you tend to have a lot of doctor visits? A Medicare Supplement plan in Minnesota might spare you from some of Original Medicare’s out-of-pocket costs, like coinsurance when you go to your doctor or specialist.

Medicare Supplement (Medigap) plans in Minnesota are available from private insurance companies.

Medicare Supplement plans in Minnesota: an overview

Medicare Supplement plans in Minnesota may help cover the “gaps” in Original Medicare (Part A and Part B) coverage. That is, they generally help pay for out-of-pocket expenses such as coinsurance/copayments, and one plan may pay your Part A and Part B deductibles. The same is true nationwide.

Medicare Supplement plans are standardized in 47 states. But Minnesota is one of three states where this type of insurance is a little different. There are several Medicare Supplement plans available in Minnesota, and some of the benefits go beyond the standardized plans in most states.

Medicare Supplement plans in Minnesota: what do they cover?

This table lists two types of Medicare Supplement plans in Minnesota and what benefits they include. Please note that there may be several more types of Medicare Supplement plans in Minnesota.

Cost description Basic Plan Extended Basic Plan
Hospital coinsurance and approved costs under  Medicare Part A Yes Yes
Coinsurance under Medicare Part B Yes Yes
Part A deductible No, but you can buy a rider for this coverage Yes
Part B deductible No, but you can buy a rider for this coverage Yes
Part A skilled nursing facility coinsurance Yes (up to 100 days) Yes (up to 120 days)
Coinsurance or copayments for hospice and respite care (Part A) Yes Yes
First three pints of blood per year Yes Yes
Coinsurance or copayments for certain home health services and supplies (Part A and/or Part B) Yes Yes
Physical, occupational, and/or speech therapy Yes Yes
Certain preventive care not covered by Medicare No, but you can buy a rider for this coverage Yes
Limited emergency care during foreign travel Yes Yes
Medicare Part B excess charges No, but you can buy this coverage for an additional amount. Yes (80%; may be 100% if you’ve reached your out-of-pocket spending limit)

 

The Extended Basic Plan has a yearly out-of-pocket spending limit. If your out-of-pocket spending on certain medical costs reaches this limit, the plan may cover your allowable expenses for the rest of the year.

Other types of Medicare Supplement plans in Minnesota have different sets of basic benefits. Some have deductibles of their own, while some may pay at least part of the Medicare Part B deductible. Every Medicare Supplement plans in Minnesota either covers at least part of the Part A deductible, or lets you add a “rider” on the policy for this purpose at an additional cost.

For more details, contact Minnesota’s Senior LinkAge Line at 1-800-333-2433.

Medicare Supplement plans in Minnesota: can I buy one if I’m under 65?

You can typically buy a Medicare Supplement plan in Minnesota before you turn 65 if you qualify for Medicare by disability. You need to have both Medicare Part A and Part B. You can call the Senior LinkAge line (above) for more information.

Medicare Supplement plans in Minnesota: when can I buy one?

As in most states, if you want a Medicare Supplement plan in Minnesota, it’s usually a good idea to buy during your “OEP.” That’s the abbreviation for your six-month Medicare Supplement Open Enrollment Period. It starts the first month that you’re at least 65 and enrolled in Medicare Part B.

Your OEP may be especially important if you have health problems. Throughout this six-month period, a Medicare Supplement plan in Minnesota must accept your application and can’t charge you more for a health condition.

You can apply for a Medicare Supplement plan in Minnesota anytime you’re on Medicare (Part A and Part B). But if your OEP has passed, your Medicare Supplement policy might cost more because of your health condition. The insurance company can even reject your application.

During your OEP, an insurance company cannot charge you a higher premium if you have a health condition and must accept you as a plan member.

You can instantly display a list of Medicare Supplement plans in Minnesota – click the Find Plans button on this page to start comparing plans. Or, follow the links below to set up a phone call with me or have me email you customized information.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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