What Are Minnesota Medicare Supplement Plans?

Medicare helps cover healthcare expenses like inpatient hospital care and preventive services, but you’ll still be responsible for paying costs like deductibles and copays. Minnesota Medicare Supplement plans can help pay for these out-of-pocket expenses, so you’ll have fewer healthcare costs.

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What Are Minnesota Medicare Supplement Plans?

When you have original Medicare Parts A and B, you’re still responsible for contributing toward your healthcare deductibles, copays, and coinsurance. Medicare Supplement plans, sometimes called Medigap plans, help to cover the gap in your health insurance coverage.

Private insurance companies sell Minnesota Medicare Supplement plans. When you buy a plan, you’ll pay a monthly premium for the policy. Your Supplement plan may help reduce your healthcare out-of-pocket costs.

What Does Medicare Supplement Insurance in Minnesota Cover?

While other states offer standardized Medigap plans, like Plan F, Minnesota takes a different approach. In Minnesota, you can choose from a Medicare Supplement copay plan, cost-sharing plans, and multiple care plans:

The Extended Basic Plan is the most comprehensive option available and covers the Medicare Part B deductible. It’s only available if you were eligible for Medicare before January 2020.
The Extended Basic Plan – New is for newer beneficiaries. It doesn’t include the Part B deductible, but includes costs like skilled nursing facility, the Part A deductible, and foreign travel emergency expenses.
The Medigap High Deductible Plan is a comprehensive plan but excludes Part B excess charge coverage. It’s only available if you were eligible for Medicare before January 2020.
The Medigap High Deductible Plan – New is similar to the original High Deductible Plan, but doesn’t cover Part B excess charges. This plan covers Part B services, but a $2,490 deductible applies before that coverage takes effect.
The Medigap Basic Plan doesn’t include the Part B deductible, but does include coverage for skilled nursing facilities and foreign travel emergencies.
The Medigap $20 and $50 Copay plan generally means your approved Part B services with a $20 or $50 copay have $0 cost.
The Medigap 50% Cost Sharing Plan includes skilled nursing facilities and the Part A deductible.
The Medigap 75% Cost Sharing Plan includes skilled nursing facilities and the Part A deductible.

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What Are the Best Medicare Supplement Plans in Minnesota?

The best Medicare Supplement Plan is the plan that meets your healthcare needs at a price that you can afford. When choosing your plan, it’s important to consider what you can afford to pay and the types of healthcare that you’re most likely to need. Look for a plan that covers the expenses that are most difficult for you to pay. Deciding on a plan is a personal choice, so you’ll need to determine which plan is the best fit for you.

How to Find the Best Medicare Supplement in Minnesota

Your Medicare Supplement Plan costs depend on factors like your age, gender, and location. You can get a free, personalized quote of the Medicare Supplement Plans in Minnesota online so you can start exploring your plan options.

Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.