A spouse who was covered by the state’s retiree plans at the time of the retiree’s death may continue participation in SEGIP indefinitely.
The Minnesota Advantage Health Plan is available in all counties of Minnesota. However, the availability under each carrier may differ slightly.
BlueCross BlueShield and HealthPartners offer the Advantage Plan in all counties of Minnesota. PreferredOne offers the Minnesota Advantage Health Plan in all Minnesota counties - except Houston County, where access is limited.
Each carrier offering the Minnesota Advantage Health Plan also provides a National Preferred Provider Organization (PPO) for members who permanently reside outside the state and service area (bordering counties) of Minnesota. Contact your plan administrator if you need access to Point of Service (POS) benefits for PPO providers, as not all plan administrators offer PPOs in every state. You must provide your permanent address and request access to this benefit before it is provided.
The Minnesota Advantage Health Plan is the medical benefits program for all retirees and dependents under age 65.
For the most complete and up to date information about the state sponsored senior plans, visit the Plan Summaries and Certificates page.
The state sponsors senior plans offered by each plan administrator:
You may receive information about other plans offered by some of the same insurance companies or carriers that offer the plans we have just listed. Be cautious. Plans not listed are not state sponsored. If you enroll in a plan that is not state sponsored, you forfeit your membership in the State Employee Group Insurance Program (SEGIP) and will never be able to re-enroll in the state group medical insurance.
The Advantage plan administrator that you have in place when you turn age 65 determines the senior plan that you will be eligible to enroll with for the remainder of that year.
All SEGIP senior plans are coordinated with Medicare Parts A, B, and D for people age 65 or older. Medicare-eligible retirees and spouses age 65 and older are required to enroll in Medicare Part A (hospital insurance) and Part B (supplemental medical insurance) in order to participate in the state’s group insurance plans. Enrollment in Medicare Part D (prescription drugs) is included with the state group carrier you have chosen for all medical benefits. Your enrollment in Part D will be coordinated through the carrier with which you participate.
CAUTION: Members enrolling in senior plans should not apply for or purchase Medicare Part D from another Part D carrier for prescription drug coverage.
Enrolling in Part D with an insurance company that is different from your SEGIP group carrier will terminate participation in the state’s senior plans. If you purchase that coverage, you will permanently lose medical insurance coverage in the state’s retiree group!
All three Senior Plans are available in all counties of Minnesota.
For members age 65 and greater who live outside the state of Minnesota and the eligible border counties of Wisconsin, the BlueCross BlueShield Coordinated Plan and the HealthPartners Retiree National Choice Plan can provide your coverage. The Coordinated Plan and the HealthPartners Retiree National Choice Plan are the only senior plans available to members whose permanent residence is outside the state of Minnesota and the surrounding Wisconsin counties.
The UCare Group Medicare also offers coverage in some of the bordering counties of Wisconsin.