Medigap in Minnesota

If you live in Minnesota, you have guaranteed issue rights to buy a Medigap policy, but the policies are different.

Basic benefits 

  • Inpatient hospital care: covers the Part A coinsurance
  • Medical costs: covers the Part B coinsurance (generally 20% of the Medicare-approved amount)
  • Blood: covers the first 3 pints of blood each year
  • Part A hospice and respite care cost sharing
  • Parts A and B home health services and supplies cost sharing

Medigap plans

The Basic and Extended Basic 

 are available:

  • When you enroll in Part B
  • Regardless of your age or health problems

You’ll get another 6-month 

 if  both of these apply:

  • You return to work.
  • You drop Part B to elect your employer's health plan.

You'll get this open enrollment period after you retire from that employer when you can elect Part B again.

Basic Plan

Covers:

  • Basic benefits
  • Part A: skilled nursing facility (SNF) coinsurance (provides 100 days of SNF care)
  • 80% of foreign travel emergency
  • 50% of outpatient mental health
  • Medicare-covered preventive care
  • 20% of physical therapy
  • State-mandated benefits (diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations)

Doesn't Cover:

  • Part A: inpatient hospital deductible
  • Part B: deductible
  • Usual and customary fees
  • Coverage while in a foreign country

Extended Basic Plan

Basic benefits:

  • Part A: inpatient hospital deductible
  • Part A: skilled nursing facility (SNF) coinsurance (provides 120 days of SNF care)
  • Part B: deductible
  • 80%* of foreign travel emergency
  • 50% of outpatient mental health
  • 80%* of usual and customary fees
  • Medicare-covered preventive care
  • 20% of physical therapy
  • 80%* of coverage while in a foreign country
  • State-mandated benefits (diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations)

 

* The plan pays 100% after you spend $1,000 in out-of-pocket costs for a calendar year.

Compare these plans side-by-side

If a "yes" appears, the plan covers the described benefit 100%. If a row lists a percentage, the policy covers that percentage of the described benefit. If a "no" appears, the policy doesn't cover that benefit.

 

Medigap Benefits Medigap Plans
Basic Plan Extended Basic Plan
Basic benefits Yes Yes
Part A: inpatient hospital deductible No Yes
Part A: skilled nursing facility coinsurance Yes (Provides 100 days of SNF care) Yes (Provides 120 days of SNF care)
Part B: deductible No Yes
Foreign travel emergency 80% 80%*
Outpatient mental health 50% 50%
Usual and customary fees No 80%*
Medicare-cover preventative care Yes Yes
Physical therapy 20% 20%
Coverage while in a foreign country No 80%*
State-mandated benefits (diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations) Yes Yes

 

 

* The plan pays 100% after you spend $1,000 in out-of-pocket costs for a calendar year.

Important plan information

Minnesota versions of Medigap Plans K, L, M, N, and high deductible F are available.

 

Insurance companies can offer 4 additional riders that can be added to a Basic Plan. You may choose any or all of these riders 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

For more information