Speak with a licensed advisor: 1-888-414-4547
Find Affordable Medicare Plans in Minnesota

Talk to a Licensed Insurance Agent

(888) 414-4547

Best Medicare Plans in Minnesota

If you’re about to become a beneficiary of Medicare in Minnesota, you may want to learn more about Original Medicare insurance. Understanding Medicare in Minnesota is important so that you’ll know what your Minnesota Medicare benefits are and what is not covered by Medicare in Minnesota. This quick guide is here to help you understand more about Minnesota Medicare benefits.

Overview of Medicare in Minnesota

First, you’ll need to know about Medicare Part A. This is the first program that you will need to sign up for. Medicare Part A is not traditional health insurance; instead, it’s hospital insurance, and it’s designed to help with inpatient hospital costs. It also helps with some hospice care costs. Most people who sign up for Medicare Part A are not required to pay a premium.

Next, you’ll want to sign up for Medicare Part B. If you’ve had health insurance in the past, you will probably find that Medicare Part B is more similar to the health insurance plans you’ve had in the past. There are some differences and gaps in coverage, though. A Medicare Part B premium does have to be paid for this coverage.

You will probably want to sign up for one of the Medicare plans in Minnesota to enhance the basic benefits of your Minnesota Medicare insurance. Once you’re enrolled in Original Medicare Part A and Part B, you can sign up for one of these plans. In the meantime, you may want to compare rates, coverage, and benefits so that you will know which plan to sign up for.

Enrollment Statistics for Medicare in Minnesota

Medicare in Minnesota has many enrollees. These are a few simple and interesting stats about Medicare in Minnesota and the preferences of Minnesota beneficiaries:

  • There were more than one million Medicare beneficiaries in Minnesota in 2018, and this number is expected to rise in the next few years.
  • More than half of the Medicare beneficiaries in Minnesota had Medicare Advantage plans in 2018.
  • A lot of the Medicare beneficiaries in Minnesota who do not have Advantage plans (Medicare Part C) have Medicare Supplement insurance plans to help with copayments, coinsurance, and deductibles that aren’t covered by Original Medicare insurance.
  • Changes are being made to the availability of Medicare cost plans for beneficiaries in Minnesota, so be aware of these changes.

Best Types of Medicare Plans in Minnesota

You may want to get more out of your Medicare coverage and reduce your out-of-pocket costs for health care. The good news is that for a reasonable monthly premium, you can purchase a health plan from a company like Blue Cross Blue Shield of Minnesota. From standard or high deductible Supplement plans to Advantage plans and more, you’ll want to browse all of your options before making your decision.

  • Medicare Supplement Plans in Minnesota– Also commonly known as Medigap plans, these Medicare plans in Minnesota are purchased from private insurance companies. They don’t have network restrictions. There are 10 different Minnesota Medicare insurance options that you can choose from if you decide that a Medigap plan is right for you. These plans are the same from company to company, so once you choose a plan from our Medicare Supplement plan comparison chart, you can look for the best rates from different insurance companies.
  • Medicare Advantage Plans – Beneficiaries of these plans use them instead of using their traditional Original Medicare insurance. Each insurance company can offer different options and perks. Prescription drug coverage, wellness benefits and coverage for hearing, dental and vision are often included in these plans. Many of these are PPO or HMO plans with a limited service area provider network, which can affect which doctor’s office or skilled nursing facility you can go to for care.
  • Medicare Part D Prescription Drug Plans – Medicare in Minnesota does not include prescription drug coverage, and Supplement plans don’t include this coverage, either. You can purchase a stand-alone Medicare Part D plan. You may be subject to a Medicare Part D late enrollment penalty if you don’t sign up for a Part D prescription drug plan for prescription drug benefits as soon as you are Medicare eligible, so keep this in mind. You don’t have to buy your Part D prescription drug coverage from the same company that you purchase your Supplement plan from, so look for all of your plan options so that you can find low-cost plans from companies like Blue Cross and Blue Shield.
  • Special Needs Plans – Also known as an SNP, these plans are Advantage plans that are designed specifically with those who have certain chronic and major health conditions in mind.

Medicare Resources in Minnesota

If you are going to be entering your Initial Medicare Enrollment Period soon or if you have general questions about Medicare in Minnesota, you may find that these state and federal resources are very helpful:

In addition to checking out the resources above, you can also use our website or give us a call so that you can work one-on-one with one of our licensed insurance agents. You can look over a Medicare Supplement plans comparison chart right here on our site to find out which Medigap policy might be right for you, and you can use our website to look at and compare Medicare Supplement plan quotes. It’s our goal to help you find the best Medicare plans in Minnesota with the best rates for premiums and the best benefits.

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547