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Medigap Options

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.
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