Get Help with Medicare
Online: Medicare.gov
Phone: Call 1-800-MEDICARE, available 24/7
Minnesota Senior LinkAge Line
Call 800-333-2433 for free help with Medicare in Minnesota, Monday through Friday, 8 a.m. to 4:30 p.m
File a Complaint
Do you have a concern or complaint about Medicare Supplement, Medicare Cost or Medicare Select insurance? Have you been targeted for Medicare fraud or a Medicare scam? Contact Commerce’s Enforcement Division:
File a complaint online
Email Commerce
Call: 651-539-1600
Policy basics
- You must have Medicare Part A and Part B to buy a Medigap policy.
- Policies are sold by private insurance companies, brokers and licensed insurance agents.
- Policies are guaranteed renewable, even if you have health problems in the future, as long as you pay your premiums.
- Policies and insurance agents who sell them are regulated by the Minnesota Commerce Department.
- If you move out of Minnesota, your coverage can continue; however, your premium amount may increase.
Policies for people under 65 and disabled
- Minnesota law requires insurance companies to sell you a policy, even if you are under 65.
- Medigap policies are available with no health screening during the six-month period after enrolling in Part B.
- A second six-month open enrollment period is also available when you turn 65.
Purchasing a policy
- To buy a policy, you must contact the insurance company, broker, or agent selling the policy.
- The insurance company must provide you with an outline of coverage.
- You can return the policy within 30 days of receipt and receive a full refund.
Monthly premium
- You will pay a monthly premium, in addition to the Part B premium.
- Premium amounts can change and vary by the type of policy, the amount of coverage and the insurance company selling the policy.
- Policies in Minnesota are community-rated. This means, that everyone enrolled in the same policy pays the same premium, regardless of age, gender, or when the policy was purchased.
- Premiums can vary depending on where you live (urban or rural) and if you use tobacco products.