Medigap in Minnesota

Medigap, also known as Medicare supplemental insurance, is a term that encompasses various third-party health insurance plans that are made to augment Original Medicare Part and Part B coverage. The Medigap name stems from the fact that the plans are designed to fill in the gaps often left by Medicare itself. Though Medigap plans are sold and serviced by private health insurance companies, they are overseen by the United States federal government and broken down into 10 plans that offer a variety of services at varying rates.

Medigap policies occasional vary based on the state where you live. One of the states with non-standard policies is Minnesota. Minnesota residents are still guaranteed the right to purchase a Medigap policy, but the benefits differ somewhat from other states.

Basic plans

Minnesota’s basic Medigap benefits include inpatient hospital care that covers Medicare’s Part A co-insurance costs as well as Medicare Part B co-insurance (which is usually 20 percent of the Medicare-approved procedure cost). Minnesota Medigap plans also cover the first three pints of blood on an annual basis, Part A hospice and respite care cost sharing, and Parts A and B home health services and supplies cost sharing.

Minnesota’s Medigap plans are broken down into basic and extended versions. The basic plan does not cover Part A inpatient hospital deductibles, the Part B deductible, “usual and customary fees,” or coverage while in a foreign country. It does cover:

  • Part A skilled nursing facility costs and co-insurance
  • 100 days of skilled nursing facility care
  • 80% of foreign travel emergencies
  • 50% of outpatient mental health care costs
  • Medicare-approved preventive care
  • 20% of physical therapy costs
  • state-mandated benefits (diabetic supplies and gear, cancer screenings, immunizations, and reconstructive surgery)

Extended plans

For more coverage, Minnesota’s extended basic Medigap plans cover:

  • Part A inpatient hospital deductible
  • Part A skilled nursing facility co-insurance with 120 days of care
  • Part B deductible
  • 80% of foreign travel emergency costs
  • 50% of outpatient mental health care
  • 80% of “usual and customary fees,” Medicare-approved preventative care
  • 20% of physical therapy costs
  • 80% of coverage while in a foreign country
  • state-mandated benefits (diabetic supplies and gear, cancer screenings, immunizations, and reconstructive surgery)
  • 100% of out of pocket costs related to foreign travel emergencies after you have spent $1000 in a calendar year

Minnesota offers state-specific versions of Medigap Plans K, L, M, N, and F. The official Medicare website offers a comparison chart that allows you to view each plan’s specifics in a side-by-side format.

Compare Medigap Plans Online

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