In the state of Minnesota, there are state laws which supersede the federal rules for Medicare supplements. Therefore the Medicare supplement plans in Minnesota are different than in most other states.
Here are the benefits you should know about:
Medicare Supplement Plans in Minnesota – Basic Benefits
Medicare supplements in Minnesota all cover a set of basic benefits. These benefits include the coinsurance for Part A and Part B, 3 pints of blood per year and some hospice and home health services. It also includes 100 days in a Skilled Nursing Facility, 50% of costs for outpatient mental healthcare, and 80% coverage for any medical expenses you may incur for emergency medical care in a foreign country.
There are some state-mandated benefits or other things as well, like flu shots and immunizations, various screenings for cancer and diabetes-related equipment.
Riders can be added to the Minnesota Basic Plan too. for instance if you want a rider that covers the Part A hospital deductible, you can generally purchase that at an additional charge.
Any beneficiary enrolling in Medigap can rest assured that these minimum benefits are included no matter which Medigap plan you purchase and no matter which insurance company you buy that plan from.
Extended Basic Plan for Medigap in Minnesota
The Minnesota Extended Basic plan includes all the same benefits of the Basic Plan with some additional benefits added. People who want their Part A hospital and Part B outpatient deductibles covered may want to consider the Extended Plan. Prices vary among carriers so working with an independent insurance agent who specializes in Medigap products is an easy way to compare prices.
No Medicare Excess Charges in Minnesota
Medicare excess charges occur when a Medicare provider does not accept Medicare’s assigned rates. They can charge you an extra 15% in some states. However, in Minnesota, state law prohibits doctors from charging excess charges. This means you don’t have to worry about any excess charges from providers in your state.
Medicare Advantage Plans in Minnesota
If Medicare supplement plans in Minnesota are out of your budget, you might look at Medicare Advantage plans. Also called Part C plans, Advantage plans are private health insurance which pays for your Medicare services. Most plans have a network, such as an HMO or PPO network. You treat with in-network providers, so your monthly premiums are lower than Medigap.
You’ll instead pay copays for services as you go along. Medicare Advantage plans in Minnesota often include Part D drug coverage rolled into the plan. Some plans also have extras like routine vision, dental, hearing and gym memberships. Each plan works a little differently. We can run a list of plans available in your county to help you review all options.
Medicare Part D Plans in Minnesota
We work with several Part D carriers in Minnesota and can help you find a cost-effective plan.