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
Minnesota Medigap insurance policy options
- Basic
- Basic with riders
- Extended Basic
- Medicare SELECT
- Medigap policies with limited coverage
Premiums for the policies, and more about Medicare, are found here.
Basic Supplement Riders
Additional coverage that can be added to a Basic policy include:
- Part A deductible
- Pays inpatient hospital deductible for each benefit period.
- Part B annual deductible
- Pays the annual Part B deductible.
- This rider is not available for people who turn 65 or became Medicare eligible on or after January 1, 2020.
Provider networks
- You can go to any provider that accepts Medicare payment.
- If you enroll in a Medicare SELECT policy, you may be required to use the plan’s network providers to get full benefits.
Additional costs:
- Out-of-pocket costs vary depending on the policy you buy. These can include:
- Deductibles - a specified amount you must pay before the insurance company will pay on a claim.
- Coinsurance - a shared cost between you and the policy on a percentage basis.
- Copayment - a set amount you must pay at the time a service is received.
- Part B excess - the difference between what Medicare pays and the amount charged.
Services not covered:
- Outpatient prescription drug coverage
- You should consider enrolling in a separate Part D plan, unless you have other creditable drug coverage.
- Routine dental care, unless the dental service is covered by Medicare.
- Routine eye exams for glasses or contact lenses.
- Hearing aids.
Becoming eligible for Medical Assistance:
- If you have a Medigap policy and become eligible for Medical Assistance (Minnesota's Medicaid program), you are allowed to suspend your Medigap policy for up to 24 months.
- If eligibility ends during this time-period, you can return to the suspended policy without underwriting.
- You do not have to pay premiums while the Medigap policy is suspended.