Medigap in Minnesota

In Minnesota, Medigap policies are standardized in a different way and offer these basic benefits:

  • Inpatient hospital costs
  • Medical costs
  • Blood
  • Part A hospice and respite cost sharing
  • Parts A & B home health services and supplies cost sharing

This chart shows basic information about the benefits Medigap policies in Minnesota cover. 

= the plan covers 100% of this benefit
= the plan doesn't cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest

Medigap Benefit                                                                Medigap Plans
Basic Plan Extended Basic Plan 
Basic benefits
Part A: Inpatient hospital deductible 
Part A: Skilled nursing facility coinsurance (Provides 100 days of SNF care) (Provides 120 days of SNF care)
Part B: deductible
Foreign travel emergency care  80% 80%
Outpatient mental health  50% 50%
Usual and customary fees  80%
Medicare-covered preventive care
Physical therapy 20% 20%
Coverage while in a foreign country 80%
State-mandated benefits (diabetic equipment and supplies,
routine cancer screening, reconstructive surgery, and immunizations)

Important plan information 

Minnesota versions of Medigap Plans K, L, M, and N are available. Minnesota versions of high-deductible Plan F are available to people who had, or were eligible for, Medicare before January 1, 2020.

Insurance companies can add more coverage to a Basic Plan. You may choose any or all of these options to design a Medigap policy that meets your needs:

  • Part A: inpatient hospital deductible
  • Part B: deductible
  • Usual and customary fees
  • Non-Medicare preventive care

Contact your State Insurance Department for more information on these policies. 

Next step: Learn how Medigap works