Minnesota Medicare Plans

Minnesota Medicare plans, like all other states, offer better coverage when supported by Medicare Supplement plans or Medicare Advantage. However, Minnesota is another state in which its laws make Medicare Supplements standardization different than other states.

Instead of 10 plans lettered A through N, there’s two plans.

Minnesota Medicare plans open enrollment

Medicare beneficiaries in Minnesota are eligible for Medicare at age 65. Initial enrollment begins three months before your birth month and lasts three months after. During initial enrollment, you can also apply for Medicare Supplements.

Although you can enroll in a supplement at any time, initial enrollment is the best time to do so because you cannot be turned down due to your health.

Medigap Plans

Play Video about Medicare In Minnesota

Minnesota is one of three states that don’t standardize Medicare Supplement plans.

They come in two plans — a basic plan or an extended plan. Both cover a few basic benefits:

Coinsurance for Medicare Part A and Part B
three pints of blood per year
preventative care
some basic hospice and home health services.

Plus:

state-mandated benefits for diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations.
50% of your outpatient mental health
20% of your physical therapy

You can also count on both plans to cover 100 days of skilled nursing care.

The Extended Basic plan covers an extra 20 days of skilled nursing facility care. You’ll also gain 80% coverage for “usual and customary fees” and foreign country coverage.

Any of that additional coverage can be added to the Basic plan as a “rider.”

*Coverage of the Part B deductible is no longer available to those who are new to Medicare after January 1, 2020. However, if you were eligible for Medicare before this date — but not yet enrolled — you might be able to get this benefit.

It’s essential to evaluate all options when deciding on a Medigap plan in Minnesota. That’s where we can help.

Medicare Advantage plans

Minnesota has up to 40 Medicare Advantage plans available, depending on what county you live in. Also known as Medicare Part C plans, Medicare Advantage is a private Medicare plan that provides all Original Medicare benefits but also include extra benefits like dental, prescription drugs, and vision coverage.

Medicare Part D

While Original Medicare and Medicare Supplement plans don’t offer coverage for prescription drugs, there is an option to enroll in Medicare Part D. There are 28 Part D plans available in Minnesota in 2019. If you don’t want to pay out-of-pocket for your prescriptions, be sure to look into Medicare Advantage or a standalone Part D plan.

How we can help

Our licensed Minnesota Medicare Plans specialists are available to help you at absolutely no charge to you. We pride ourselves on assisting you finding you a plan that fits your needs. Because Medicare Supplement plans are required by law to offer standardized coverage, the only difference will be price. We will shop your policy and find you the lowest price.

Let us provide our free assistance so you can feel comfortable knowing you’re getting the best value for your healthcare coverage.

Medicare Supplements

User Guide

This guide can be helpful if you’re considering buying a Medigap policy or already have one. It’ll help you know how Medicare Supplement plans work.

Call 662-844-3300

Minnesota Medicare Plans