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The North Star State

Minnesota Medicare Plans

At the Benefit Link we work with great insurance companies offering Medicare Supplement plans for Minnesota senior residents. 

Minnesota Map image

Many offer the most popular plans like Plan F and Plan G. Let us assist with the basics. Minnesota Medicare Plans include 10 standardized options, lettered A – N. Each insurance company must offer at least Plan A, but companies can offer any of the other plans as well.


Our agency works with some of the best Minnesota Medicare Plan F and Plan G insurance companies, such as AetnaBankers FidelityBlue Cross Blue ShieldCignaHumanaMutual of Omaha, and Transamerica.



You can find a complete list of our Medicare insurance providers here.

Medicare Supplement Plans in Minnesota

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.

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.

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There is no charge to clients for our services. We would be honored to help walk you through this process!

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The Benefit Link, a Licensed Insurance Agency with its physical office in Texas, employs insurance agents (producers), and through such agents, can provide these services to clients in all 50 States of the USA. By clicking on a form, you authorize The Benefit Link to call you and send pre-recorded messages, text messages, and in-app Facebook messages to you about The Benefit Link products and services at the telephone number you have on file with Facebook, or any other telephone number or contact information that you provide to The Benefit Link, including your mobile phone if provided, using an automated dialer and email, even you are on the national or state “Do not Call” list. You understand that your consent is not a requirement to purchase products and services from The Benefit Link. Message and data rates may apply, and you can opt-out anytime.