Best Minnesota Medicare Supplement Companies & Plans (2024)
Medicare supplement (Medigap) in MN is available from a wide variety of companies, including major health care insurers and smaller insurance companies. Because Minnesota Medicare supplement plan options are standardized, you can compare Minnesota Medicare supplement rates from multiple companies knowing the coverage is the same.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Mar 11, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can add Medigap coverage to your Minnesota original Medicare plan
- Minnesota Medicare supplement plans can’t be added on to a Medicare Advantage plan
- There are 22 companies offering Medicare supplement plans in Minnesota
Medicare supplement policies in Minnesota are available from a wide variety of sources, including major health insurance companies and smaller insurance providers. Also known as Medigap, Medicare supplement fills the gaps in original Medicare to cover things like coinsurance and deductibles.
MN Medicare supplement plan options are standardized, so all companies must provide the same coverage on each policy type. Not every company offers all of the possible Minnesota Medicare supplement plans, so consider your options and then find the right company for your needs.
To find the best Medicare supplement rates in MN, enter your ZIP code above. You can compare fast, free Medicare Supplement quotes in Minnesota right now.
Standard Medicare Supplement Plans in Minnesota
Minnesota Medicare supplement plans are standardized, and every company must include the same coverage on the plans they choose to offer. Compare the details of each plan here to see what level of Minnesota Medicare supplement coverage is right for you.
Medicare Supplement Plans in Minnesota
Plan Name | Monthly Cost | Copays Coinsurance | Deductibles | Plan Benefits |
---|---|---|---|---|
Medigap $20 & $50 Copay Plan | Premiums range from $152-$344 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services with some $20 and $50 copays | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
Medigap 50% Cost Sharing Plan | Premiums range from $132-$173 depending on your age, sex, health status, and when you buy. | 10% Generally your cost for approved Part B services up to $6,220. Then, you’ll pay $0 for the rest of the year. | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
Medigap 75% Cost Sharing Plan | Premiums range from $185-$259 depending on your age, sex, health status, and when you buy. | 5% Generally your cost for approved Part B services up to $3,110. Then, you’ll pay $0 for the rest of the year. | $371 (25% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
Medigap Basic Plan | Premiums range from $142-$342 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $1,484 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: No Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
Medigap Extended Basic Plan | Premiums range from $217-$756 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
Medigap Extended Basic Plan-new | Premiums range from $200-$605 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
Medigap High Deductible Plan | Premiums range from $63-$195 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: No Foreign travel emergency: Yes |
Medigap High Deductible Plan-new | Premiums range from $67-$107 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
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Medicare Supplement Plans by Company in Minnesota
You have a lot of choices when it comes to Minnesota Medicare supplement companies. Here you’ll find a complete list of companies selling Medigap policies in MN, as well as which plans they offer. Refer to the details of each plan in the section above to help you decide which company has the right Minnesota Medicare plans for you.
Medicare Supplement Plans by Company in Minnesota
Company | Plans |
---|---|
Americo Financial Life and Annuity Insurance Company | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
BlueCross BlueShield of Minnesota | Medigap $20 & $50 Copay Plan, Medigap 50% Cost Sharing Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new |
BlueCross BlueShield of Minnesota (Eligible Before 1-1-20) | Medigap $20 & $50 Copay Plan, Medigap 50% Cost Sharing Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new |
Catholic United Financial | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan |
Cigna Health & Life Insurance Company | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan |
Colonial Penn Life Insurance Company | Medigap $20 & $50 Copay Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new |
Continental Life Insurance Company of Brentwood, Tennessee (Aetna) | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new |
Health Partners Plans, Inc. | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan |
Health Partners Plans, Inc. (Eligible Before 1-1-20) | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan |
Humana (Humana Insurance Company) | Medigap $20 & $50 Copay Plan, Medigap 50% Cost Sharing Plan, Medigap 75% Cost Sharing Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap High Deductible Plan |
Lumico Life Insurance Company | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan |
Medica Health Plans | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan |
National Guardian Life Insurance Company | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
National Health Insurance Company | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan |
Puritan Life Insurance Company of America | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan, Medigap High Deductible Plan-new |
Sanford Health Plan of Minnesota | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new, Medigap High Deductible Plan |
State Farm Mutual Automobile Insurance Company | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
UCare Health, Inc. | Medigap $20 & $50 Copay Plan, Medigap Basic Plan, Medigap Extended Basic Plan |
AARP – UnitedHealthcare Insurance Company (Standard) | Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
AARP – UnitedHealthcare Insurance Company (Standard/Household) | Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
Omaha Insurance Company | Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
Transamerica Life Insurance Company (Direct) | Medigap Basic Plan, Medigap Extended Basic Plan, Medigap Extended Basic Plan-new |
Read more: HealthPartners Insurance Review & Complaints: Health Insurance
Compare Minnesota Medicare Supplement Rates
Ready to compare Minnesota Medicare supplement plans for your needs? Enter your ZIP code to get fast, free quotes for MN Medicare supplement today.
Find Medicare Plans in Your Area: Exploring Local Options
In this guide, we’ll assist you in finding Medicare plans available in various Minnesota locations, including Blue Earth, Goodhue County, Otter Tail County, and more. Whether you reside in Duluth, Rochester, or any other city in the state, understanding the Medicare coverage options in your area is essential for your healthcare needs. Let’s delve into the available plans and help you choose the best Medicare option for you.
Frequently Asked Questions
What are Medicare Supplement plans, and why are they important in Minnesota?
Medicare Supplement plans, also known as Medigap plans, are private health insurance policies designed to complement Original Medicare coverage. These plans help cover out-of-pocket costs such as deductibles, coinsurance, and copayments that Medicare beneficiaries would otherwise have to pay. In Minnesota, Medicare Supplement plans are particularly important because the state has unique regulations and offers additional benefits beyond what is required by federal law.
How are the best Medicare Supplement companies determined in Minnesota?
The determination of the best Medicare Supplement companies in Minnesota depends on several factors. These factors may include the company’s financial stability, customer service ratings, plan options, pricing, and reputation. It’s essential to research and compare various companies to find the one that best fits your specific needs and preferences.
Which companies are considered the best Medicare Supplement providers in Minnesota?
While opinions on the “best” Medicare Supplement providers may vary, some well-regarded companies in Minnesota include:
- Blue Cross Blue Shield of Minnesota
- HealthPartners
- Medica
- UCare
- Mutual of Omaha
What factors should I consider when choosing a Medicare Supplement plan in Minnesota?
When choosing a Medicare Supplement plan in Minnesota, consider the following factors:
- Cost: Compare premiums, deductibles, and out-of-pocket expenses.
- Plan Options: Determine which plans cover the benefits you need and compare them.
- Provider Network: Check if your preferred healthcare providers accept the plan.
- Reputation: Research customer reviews and ratings of the insurance companies.
- Financial Stability: Consider the company’s financial strength and stability.
- Additional Benefits: Some plans in Minnesota offer extra benefits like vision or dental coverage.
- Customer Service: Evaluate the company’s reputation for customer support.
Are Medicare Supplement plans standardized in Minnesota?
Yes, Medicare Supplement plans in Minnesota are standardized. The state follows its own standardized system, which differs from the standardized plans used in most other states. In Minnesota, the plans are labeled with letters A, B, C, D, F, G, K, L, M, and N, and each lettered plan must provide the same basic benefits regardless of the insurance company offering it. However, Minnesota also has additional plan options beyond the standardized plans, known as “Basic” and “Extended Basic” plans.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.