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Supplement Plans

Minnesota Medicare Supplement Plans

Even when you enroll in Medicare, your out-of-pocket costs, including deductibles, co-insurance and co-pays can be significant. This is especially true in Minnesota where health insurance premiums vary based on location and population density. It is important to consider options that can help reduce your out-of-pocket costs. Medicare supplements (also known as Medigap), Medicare managed-care style health plans (Advantage and Cost plans) and Part D plans can provide you the coverage and protection you may need. These additional plans must be approved by the Minnesota Department of Insurance, so you can rest assured that all plans meet the established criteria.

Here is a list of Medicare supplement plans available in the state of Minnesota.  This data was accurate at the time of publishing, but may no longer be current.  Please contact an advisor for more information.

In addition, below are some important links and contacts for Medicare plans in Minnesota. If you need more detailed information, feel free to reach out to those below.

Minnesota Senior LinkAge Line. 1-800-333-2433

Minnesota Disability Linkage Line. 1-866-333-2466

Minnesota Ombudsman Offices
Ombudsman for State Managed Health Care 651-431-2660 or 1-800-657-3729 ext. 61256

  • Assists persons enrolled in a health plan for their Medical Assistance, General Assistance Medical Care, and MinnesotaCare health benefits in resolving service related problems, to ensure that medically appropriate services are provided.
  • Provides information about the managed health care complaint and appeal process available through the health plan and the State.

Minnesota SHIP Senior LinkAge Line. 1-800-333-2433

  • Statewide service that provides free, comprehensive, objective Medicare information and assistance expertise by phone and in person.
  • Federally designated State Health Insurance Assistance Program (SHIP) for Minnesota.

Minnesota QIO – Quality Improvement Organization Stratis Health. 952-854-3306; 1-800-444-3423

  • Protects Minnesota Medicare consumers and the Medicare Trust Fund.

Minnesota Insurance Regulator, State Department of Commerce. 651-296-2488; 1-800-657-3602

  • Oversight and regulation of companies selling Medicare supplements, Medicare SELECT plans, and long term care insurance policies

Minnesota Managed Care Plan Regulator. State Department of Health. 651-201-5100; 1-800-657-3916

  • Licenses and regulates health plans at the state level.
  • Handles complaints from consumers about health plans.

Minnesota Department of Health, Office of Health Facility Complaints. 651-201-4201; 1-800-369-7994

  • Acts upon complaints about services in hospitals, nursing homes, home health agencies and other supervised living facilities.

Minnesota Attorney General’s Citizens’ Assistance Line. 651-296-3353; 1-800-657-3787

  • Accepts complaints from citizens on a large variety of consumer matters, such as insurance, cars, health care, banking, credit, utilities, debt collection, mortgages, charities, scams, and more.

Minnesota Area Agencies on Aging
Provide assistance to seniors, local agencies and communities across the state, including providing the Senior LinkAge Line service at the local level.

  • Arrowhead Area Agency on Aging (Duluth) 218-722-5545. Counties served: Aitkin, Carlton, Cook, Itasca, Koochiching, Lake, & St. Louis
  • Central MN Council on Aging (St. Cloud) 320-253-9349. Counties served: Benton, Cass, Chisago, Crow Wing, Isanti, Kanabec, Mille Lac, Morrison, Pine, Sherburne, Stearns, Todd, Wadena, & Wright.
  • Land of Dancing Sky Area Agency on Aging (Warren and Fergus Falls) 218-745-6733 (Warren) 218-739-4617 (Fergus Falls). Counties served: Becker, Clay, Douglas, Grant, Otter Tail, Pope, Stevens, Traverse, Wilkin Beltrami, Clearwater, Hubbard, Kittson, Lake of the Woods, Polk, Mahnomen, Marshall, Norman, Pennington, Red Lake, & Roseau
  • Metropolitan Area Agency on Aging (North St. Paul) 651-641-8612. Counties served: Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, & Washington
  • Minnesota Chippewa Tribe Area Agency on Aging (Cass Lake) 888-231-7886. Reservations Served: Bois Forte, Grand Portage, Leech Lake, & White Earth
  • Minnesota River Area Agency on Aging (Mankato) 507-389-8876. Counties served: Big Stone, Blue Earth, Brown, Chippewa, Cottonwood, Faribault, Jackson, Kandiyohi, Lac qui Parle, Le Sueur, Lincoln, Lyon, Martin, McLeod, Meeker, Murray, Nicollet, Nobles, Pipestone, Redwood, Renville, Rock, Sibley, Swift, Waseca, Watonwan, & Yellow Medicine.
  • Southeastern MN Area Agency on Aging (Rochester) 507-288-6944. Counties served: Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Olmsted, Rice, Steele, Wabasha, & Winona.

Minnesota Association of Centers for Independent Living. 507-285-1815
These organizations advocate for the independent living needs of people with disabilities so they may live independently in the situation and community of their choice.

  • Rochester Southeastern MN Center for Independent Living. 507-285-1815
  • Metropolitan Center for Independent Living – Minneapolis and St. Paul. 651-646-8342
  • St. Cloud Independent Lifestyles. 320-529-9000
  • Moorhead FREEDOM. 701-478-0459
  • East Grand Forks OPTIONS. 218-773-6100
  • Center for Independent Living of Northeastern MN Hibbing. 218-262-6675
  • Mankato Southern MN Independent Living Enterprises and Services. 507-345-7139
  • Southwestern Center for Independent Living Marshall. 507-532-2221

Minnesota Board on Aging. 651-431-2500; 1-800-882-6262

  • Senior LinkAge Line, Office of Ombudsman for Long-term Care, and www.MinnesotaHelp.info are services of the Minnesota Board on Aging.
  • Partners with Area Agencies and others to administer and oversee the effective use of Older Americans Act and state funds to support older Minnesotans
  • Promotes policies to the State Legislature, Governor and State Agencies that fairly reflect the needs and interests of older Minnesotans.
  • Publishes the annual edition of Health Care Choices for Minnesotans on Medicare.

Medicare-related questions can be directed to:
Kelli Jo Greiner
Minnesota Board on Aging
Minnesota Department of Human Services
Aging and Adult Services Division
444 Lafayette Road North
St. Paul, MN 55155-3843
To find the Health Insurance Counseling Program in your community contact the Senior LinkAge Line. You can reach the Senior LinkAge Line by calling 1-800-333-2433 or visit www.MinnesotaHelp.info.

Annual Premium Guide: Medicare Supplement

Company

Basic Plan

Part A Deductible

Part B Deductible

100% Part B Excess

Prevention

50% Part

A Ded.

$20 and $50

Copay Part

B

High Ded.

Extended

Basic

50%

75%

American Republic Corp Insurance Company Rural 1 Tobacco

Rural 1 N/T

Rural 2 Tobacco Rural 2 N/T Urban Tobacco Urban N/T

$1,890

$1,701

$2,077

$1,870

$2,223

$2,000

$383

$383

$383

$383

$383

$383

$140

$140

$140

$140

$140

$140

$46

$46

$46

$46

$46

$46

$120

$120

$120

$120

$120

$120

$3,964

$3,567

$4,356

$3,920

$4,661

$4,195

Blue Cross & Blue Shield

Smoker

N/S

$2,040

$1,752

$744

$744

$140

$140

$12

$12

$48

$48

$7,728

$6,144

$1,524

$1,308

$2,028

$1,728

Colonial Penn

Smoker

N/S

$2,069

$1,781

$628

$541

$148

$127

$64

$55

$46

$40

$2,278

$1,960

$1,647

$1,417

$674

$580

$2,953

$2,541

$977

$841

$1,680

$1,445

Combined Insurance of

America

PENDING

Continental Life Of

Brentwood Tennessee

Smoker

N/S

$1,543

$1,365

$368

$325

$140

$140

$81

$72

$60

$54

$1,552

$1,373

$762

$674

$3,522

$3,118

Family Life

Rural Smoker

Rural N/S

Urban 1 Smoker Urban 1 NS Urban 2 Smoker Urban 2 N/S

$1,494

$1,346

$1,913

$1,723

$1,822

$1,641

$349

$312

$446

$400

$425

$381

$189

$189

$189

$189

$189

$189

$24

$21

$30

$27

$29

$26

$78

$71

$100

$90

$95

$86

$4,275

$3,848

$5,474

$4,928

$5,213

$4,693

Gerber Life Insurance

Company Rural Smoker Rural N/S

Urban 1 Smoker

Urban 1 N/S Urban 2 Smoker

$1,701

$1,480

$1,939

$1,687

$2,211

$306

$266

$348

$303

$397

$162

$162

$162

$162

$162

$46

$40

$53

$46

$60

$70

$61

$80

$70

$91

$4,351

$3,785

$4,960

$4,315

$5,656

Urban 2 N/S

$1,924

$345

$162

$52

$80

$4,921

Government Personnel

Mutual

Rural Smoker Rural N/S Urban Smoker Urban N/S

$1,779

$1,548

$2,170

$1,888

$299

$260

$365

$317

$162

$162

$162

$162

$54

$47

$65

$57

$74

$64

$90

$79

$1,710

$1,488

$2,086

$1,815

$4,590

$3,994

$5,600

$4,872

Humana Insurance

Company

Rural 1 Smoker Rural 1 N/S Rural 2 Smoker Rural 2 N/S Urban Smoker Urban N/S

$2,076

$1,764

$1,920

$1,644

$2,196

$1,872

$684

$576

$684

$576

$684

$576

$168

$168

$168

$168

$168

$168

$72

$60

$72

$60

$72

$60

$120

$108

$108

$96

$132

$120

$1,527

$1,309

$1,420

$1,217

$1,618

$1,388

$4,164

$3,564

$3,864

$3,312

$4,416

$3,780

$1,476

$1,260

$1,368

$1,176

$1,560

$1,344

$2,052

$1,764

$1,908

$1,644

$2,184

$1,872

Loyal American Life

Insurance Company

Rural Smoker Rural N/S Urban Smoker Urban N/S

$2,009

$1,607

$2,233

$1,786

$460

$368

$511

$409

$162

$162

$162

$162

$60

$48

$67

$53

$74

$60

$82

$67

$2,317

$1,853

$2,574

$2,059

$2,767

$2,214

$3,075

$2,460

Minnesota Comprehensive

Health Association

Tobacco

Standard

$2,872

$2,244

$560

$438

$140

$140

$3

$2

$38

$30

Royal Neighbors of

America Rural Smoker Rural N/S Urban Smoker Urban N/S

$1,764

$1,588

$2,141

$1,929

$439

$396

$534

$481

$140

$140

$140

$140

$69

$62

$83

$76

$53

$48

$65

$59

$4,229

$3,807

$5,136

$4,624

Sanford Health Plan of MN

Tobacco

N/T

$2,026

$1,823

$532

$480

$160

$160

$67

$50

$109

$98

$1,865

$1,678

$2,317

$2,085

$1,310

$1,179

$6,077

$5,468

State Farm Mutual

Rural

Urban

$1,683

$1,751

$454

$472

$170

$170

$21

$22

$44

$44

$4,896

$5,093

State Mutual Insurance

Company Rural Tobacco Rural Non-tobacco Urban Tobacco Urban Non-tobacco

$2,147

$1,933

$2,760

$2,485

$531

$478

$683

$615

$155

$155

$155

$155

$87

$78

$112

$100

$73

$66

$94

$85

$2,118

$1,906

$2,723

$2,451

$1,043

$940

$1,341

$1,209

$5,148

$4,638

$6,619

$5,963

Sterling Life Insurance

Company Rural Tobacco Rural Non-tobacco Urban Tobacco Urban Non-tobacco

$1,617

$1,392

$1,879

$1,617

$416

$358

$416

$358

$131

$131

$131

$131

$21

$21

$21

$21

$56

$56

$56

$56

$1,542

$1,327

$1,754

$1,509

$2,393

$2,059

$2,716

$2,337

Thrivent Financial For

Lutherans Rural Tobacco Rural N/T

Urban Tobacco

Urban N/T

$1,939

$1,762

$2,154

$1,958

$549

$498

$609

$554

$140

$140

$140

$140

$106

$97

$118

$107

$76

$69

$84

$76

$4,459

$4,052

$4,953

$4,503

United HealthCare AARP

Tobacco

N/T

$1,792

$1,629

$393

$357

$198

$180

$83

$75

$70

$63

$2,469

$2,244

United World Life IC

Rural Smoker

Rural N/S

Urban Smoker 1

Urban N/S 1

Urban Smoker 2

Urban N/S 2

$1,797

$1,561

$1,927

$1,676

$2,082

$1,811

$383

$333

$383

$333

$383

$333

$155

$155

$155

$155

$155

$155

$0

$0

$0

$0

$0

$0

$85

$74

$85

$74

$85

$74

$1,565

$1,361

$1,681

$1,462

$1,816

$1,580

$4,642

$4,039

$4,986

$4,338

$5,387

$4,687