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Medigap Plans

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.
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