Around 186,246 beneficiaries have St. Paul, Minnesota, Medicare Part A and B. Fee-for-service beneficiaries make up 90,893 of these enrollees. In comparison, there are a total of 95,353 beneficiaries enrolled in a Medicare Advantage plan. Below, we’ll explore supplemental Medicare plans available in St. Paul.

St. Paul Minnesota Supplemental Medicare plans

St. Paul residents get an excellent way to save when they enroll in a Supplemental Medicare plan in Minnesota. Medigap and Medicare Advantage plans cover insurance gaps and reduce healthcare and drug costs. The following quotes for coverage are for an average 65-year-old St. Paul female beneficiary.

Cheapest Medicare Advantage plans in St. Paul, Minnesota

Over half (51.20%) of St. Paul beneficiaries participate in a Minnesota Medicare Advantage plan. The average enrollee age is 71 in St. Paul. In Ramsey County, Minnesota, St. Paul residents can choose from 43 Medicare Advantage plans.

The cheapest Medicare Advantage plans in the area feature a zero-dollar monthly premium. St. Paul, Minnesota, Medicare beneficiaries choose United Healthcare (Local PPO) for its high four-star rating and $6,700 MOOP (maximum out-of-pocket costs).

Humana (HMO-POS) has no monthly premium, and patients can pay up to $5,100 maximum out-of-pocket. Its four-star rating indicates high overall effectiveness and satisfaction among beneficiaries.

Minnesotans choose Medica (HMO-POS) for its predictable coverage benefits. Patients have no monthly premium but can pay up to $5,500 MOOP, which also features an impressive four-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
United Healthcare $0 $6,700 LOCAL PPO 4
UCare $0 $6,000 HMO-POS 5
BCBS of Minnesota $0 $5,500 LOCAL PPO 4
Medica $0 $5,500 HMO-POS 4
Humana $0 $5,100 HMO-POS 4

Affordable Medicare Supplement plans in St. Paul, MN

Medicare Supplement plans in Minnesota pay for expenses not covered by Original Medicare. Medigap benefits are standardized throughout the country, meaning they stay the same no matter where you live or the carrier you choose. However, how much you pay depends on your location, age, and additional factors.

Minnesota offers supplemental plans with similar benefits as traditional Medigap letter plans. Minnesota 50% covers 50% of your medical expenses. Premiums range from $132.30 to $147.65 per month.

Minnesota Basic costs St. Paul patients anywhere from $142.06 to $290.94 per month. Beneficiaries receive coverage for hospital visits, temporary nursing home stays, and more.

St. Paul residents looking for a high-deductible plan have two options. For example, Minnesota HD 2 is a high-deductible plan that lowers your monthly premium significantly. You’ll pay between $64.65 and $77.72.

MINNESOTA 50% $132.30 $147.65
MINNESOTA 75% $188.15 $221.93
MINNESOTA 50% A $267.73 N/A
MINNESOTA BASIC $142.06 $290.94
MINNESOTA EXTENDED $216.58 $755.58
MINNESOTA HD $63.45 $175.11
MINNESOTA HD 2 $64.65 $77.72
MINNESOTA PBCO $151.72 $309.59
MINNESOTA XBAS $199.67 $549.92

Average Medicare Part D prescription drug plan

St. Paul, Minnesota, Medicare Part D enrollees purchase a standalone plan to cover prescription drugs. Medigap doesn’t offer prescription medication coverage, and Medicare Advantage plans, including drug coverage, are less common.

Residents in St. Paul pick Aetna for its highly affordable monthly premium of $6.80. You’ll have a $480 deductible with this three-star plan.

Clear Spring Health’s two-star Part D plan allows you to pick up prescriptions from nearly any pharmacy. Patients pay $16.60 for the monthly premium. Coverage begins after paying the $480 deductible.

United Healthcare is also a popular option. Patients pay $29.30 monthly and have a relatively low $310 deductible, and the plan’s four-star rating indicates high satisfaction.

Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring Health $16.60 $480 2
Humana $22.70 $480 4
United Healthcare $29.30 $310 4

Medicare Special Needs plans

Medicare Special Needs Plans (SNPs) are a type of Medicare plan that tailors coverage to disabled individuals or those with chronic conditions. These plans aren’t available everywhere and must meet specific eligibility requirements.

HealthPartners (HMO) requires dual Medicaid and Medicare eligibility. You’ll pay no premium, and there is also no MOOP.

UCare (HMO) also requires patients to have dual eligibility. This plan’s enrollees also pay no premium or maximum out-of-pocket costs. Many patients choose it for this reason and its condition-specific benefits.

Enrollees in a United Healthcare (Local PPO) plan must have a condition requiring institutional care. Patients pay a premium of $36.20. They can pay up to $1,800 maximum out-of-pocket.

PLAN PREMIUM MOOP Plan Type Eligibility
HealthPartners $0 $0 HMO Dual
Medica $0 $5,550 HMO Institutional
Ucare $0 $0 HMO Dual
Blue Plus $0 $0 HMO Dual
United Healthcare $36.20 $1,800 LOCAL PPO Institutional


How do I apply for Medicare in St. Paul, MN?

Applying for St. Paul, Minnesota, Medicare is simple. Visit your local Social Security office and fill out a paper form or apply via phone or online. Be sure to consider potential health plans and providers before signing up.

Does Medigap cover drugs in St. Paul, MN?

Medigap doesn’t cover prescriptions in St. Paul, MN, or elsewhere in the United States. Specific Medicare Advantage plans may offer coverage. Otherwise, you’ll need to enroll in a standalone Part D plan.

Does everyone have to pay for Medicare Part A in St. Paul, Minnesota?

Not everyone has to pay for St. Paul, Minnesota Medicare Part A. If you have a work history of at least ten years, you could be eligible for no premium.

Does Medicare Cost in St. Paul based on income?

Only Medicare Part B’s premium depends on your income. If your income is above a certain threshold, you’ll pay an extra fee in addition to the Part B income-based premium.

Which Medigap plan offers the most coverage in St. Paul, MN?

The Medigap plan offering the most coverage in St. Paul, MN, is the Minnesota Extended plan. You receive basic coverage and increased rates for travel emergencies, mental health services, and more.

How to sign up for Supplemental Medicare in St. Paul

Signing up for St. Paul, Minnesota, Medicare can be challenging for first-time enrollees. Whether it’s your first time or you plan to sign up during Open Enrollment, you don’t have to do it alone. The experts at provide a free service to help you compare top carriers and plans in your area.

We work with all carriers to help you find one that fits your budget and health needs. Please fill out our online rate form, or call us today to get rates!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.