Minnesota Medigap plans have very unique rules! Medicare supplemental insurance is standardized in most states it is a wild ride in the Land of 10,000 Lakes. Minnesota has its own special Medigap model with an a la carte menu, community-rated pricing, and no excess charges allowed. We know this sounds like a lot but Senior65.com is here to help you figure out Medicare insurance in MN.
Minnesota Medigap plans are Community-rated
In most states, Medigap plans have three different ways their monthly premium rates are calculated: Age-attained, Issue-Age, and Community-rated. Minnesota, however, only has one. All MN Medigap plans are “community-rated” which means all Medigap enrollees from the same insurance provider pay the same rate, regardless of age or gender.
Minnesota Medigap community-rated plans are split between “rural” and “urban” areas. Rural enrollees pay less for their MN Medigap plan.
Side-by-side Minnesota Medigap Plans comparison chart
Below is the chart of Minnesota plans available after 2020. Don’t forget there are also riders you can add to the basic plan (we will explain these below). If you qualified for Medicare Part B before 2020, there may be additional plans that cover the Part B deductible costs. (source)
| Benefits | Basic Plan | Extended Basic Plan | High Deductible Plan | 50% Plan | 75% Plan | 50% Part A Deductible Plan | Copay Plan |
|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,600) | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($226) | |||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 50% | 75% | 100% | You pay $20 and $50 copays |
| Medicare Preventive Care | 100% | 100% | 100% | 50% | 75% | 100% | 100% | Preventive Care not covered by Medicare | 100% up to $120 |
| Skilled Nursing Facility Coinsurance 100 Days | 100% | 100% for 120 days | 100% | 50% | 75% | 100% | 100% |
| Medicare Part B Excess Charges | 100% | ||||||
| Out-Patient Mental Health | 50% | 50% | 100% | 50% | 75% | 100% | You pay $20 and $50 copays |
| Physical Therapy | 20% | 20% | 100% | 50% | 75% | 100% | You pay $20 and $50 copays |
| Foreign Healthcare -Emergency | 80% | 100% | 100% | 80% | 80% | ||
| Foreign Healthcare -Hospital, Medical Expenses & Supplies | 100% | ||||||
| Medigap Deductible | $1,000 | $2,700 | |||||
| Max Out-of-Pocket | $6,940 | $3,470 |
Minnesota Medigap Basic Plan with Riders
MN Medigap Basic Plan with Riders covers everything that the Basic Plan plus one or more of the following “riders”, which you pay for each separately:
- Preventive Care -not covered by Medicare
- Part A Deductible
- Part B Excess Charges
- Part B Deductible –available to those who qualified before January 2020
To see the prices of each rider and to learn exactly what they cover, give us a call at 800-930-7956.
Minnesota doctors can NOT charge Part B Excess Charges
In some states, doctors can charge patients up to 15% extra in the form of Excess Charges. Minnesota does not allow for this.
You can purchase a Part B Excess Charges rider should you seek health services out of state. Only Minnesota doctors cannot charge Part B Excess Charges, but in other states, those Part B Excess charges apply. For instance, if you see a cardiologist in Texas, you could pay out of pocket 15% above the Medicare-approved amount, for each visit if you did not purchase the Part B Excess Charges Rider.
Minnesota Medigap Plans Discounts
There are two main Minnesota Medigap discounts available. Click on each link to learn more about how you can save $$$ on your new Medigap plan:
You CANNOT keep your MN Medigap plan if move out of state
Since Minnesota has its own Medigap plan model, when you move out of state you have to disenroll and enroll in one of your new state’s Medigap plans. Don’t worry! You will have a Medigap guaranteed issuance period.
Other states that have their own Medigap model:
- Massachusetts Medigap plans
- Wisconsin Medigap plans
- Medigap standardized A-N model for the 47 other states
Next Steps for Minnsota Medigap:
Due to the unique Minnesota Medigap model, we recommend that you call one of our licensed agents a call at 800-930-7956 to get a quote or leave a comment below for any questions.
Our agents can NOT charge you a fee for a quote or enrollment.