Medigap in Minnesota
In Minnesota, Medigap policies are standardized in a different way and offer these basic benefits:
- Inpatient hospital costs
- Medical costs
- Blood
- Part A hospice and respite cost sharing
- Parts A & B home health services and supplies cost sharing
This chart shows basic information about the benefits Medigap policies in Minnesota cover.
= the plan covers 100% of this benefit
= the plan doesn't cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest
| Medigap Benefit | Medigap Plans | |
|---|---|---|
| Basic Plan | Extended Basic Plan | |
| Basic benefits | | |
| Part A: Inpatient hospital deductible | | |
| Part A: Skilled nursing facility coinsurance | (Provides 100 days of SNF care) | (Provides 120 days of SNF care) |
| Part B: deductible | | |
| Foreign travel emergency care | 80% | 80% |
| Outpatient mental health | 50% | 50% |
| Usual and customary fees | | 80% |
| Medicare-covered preventive care | | |
| Physical therapy | 20% | 20% |
| Coverage while in a foreign country | | 80% |
| State-mandated benefits (diabetic equipment and supplies, routine cancer screening, reconstructive surgery, and immunizations) | | |
Important plan information
Minnesota versions of Medigap Plans K, L, M, and N are available. Minnesota versions of high-deductible Plan F are available to people who had, or were eligible for, Medicare before January 1, 2020.
Insurance companies can add more coverage to a Basic Plan. You may choose any or all of these options to design a Medigap policy that meets your needs:
- Part A: inpatient hospital deductible
- Part B: deductible
- Usual and customary fees
- Non-Medicare preventive care
Contact your State Insurance Department for more information on these policies.
Next step: Learn how Medigap works