Medigap plans help pay for costs Original Medicare doesn’t cover

Seeing what’s ahead is always a good thing. Fortunately, with a Medicare Supplement (Medigap) plan, it’s possible to better plan for – and predict – your medical costs.

HealthPartners offers flexible Medicare Supplement plans throughout Minnesota. You can see any doctor in the U.S. who accepts Medicare, without a referral, and plans are guaranteed to be renewed as long as you pay your premium. Plus, you’ll get access to additional perks like fitness benefits and healthy living discounts.

Built on more than 60 years of experience and excellent customer service, our plans are designed to help you stay healthy for what matters most.

Medicare Supplement (Medigap) 101

A Medicare Supplement plan helps pay for deductibles and coinsurances you’d normally be responsible for under Original Medicare (Parts A and B).

First, Medicare pays its share of approved covered costs. Then, your Supplement plan kicks in to pay its share of what’s left. The result is greater peace of mind and simpler management of your medical costs.

Plus, as long as you continue to pay your monthly premium, your plan won’t be canceled – even if your health needs change. And if you travel or decide to move to a different state, your plan can come along, too.

Keep in mind: When it comes to Medicare Supplement plans, “benefits and coverage” refers primarily to help paying Original Medicare costs.

In other words, your benefits and coverage for medical care are generally the same as Original Medicare. However, your Supplement plan has its own benefits and coverage for medical costs – these help make your medical care less expensive.

Your Supplement plan provider may also offer additional perks, like assistance when you’re traveling or a fitness program. Check the details of any Supplement plans you’re interested in to learn more.

Just like Original Medicare, Supplement plans don’t have networks.

You can see any doctor in the U.S. who accepts Medicare, without a referral. You’ll pay the same for covered services no matter where you are.

Like Original Medicare, Medicare Supplement plans don’t cover most prescription drugs (Part D). You’ll have to also purchase a stand-alone Part D plan if you want this coverage.

You have a six-month Open Enrollment Period for Medicare Supplement plans. This period starts the month when both of these are true:

  • You’re 65 years old or older, and
  • You’re enrolled in Medicare Part B

During this period, you can buy any Medicare Supplement policy sold in your state, without restrictions.

If you don’t buy a Medicare Supplement plan during this period, insurance companies can sell you one – but they don’t have to. If they do, it may cost more or come with waiting periods for certain coverage. (These restrictions don’t apply if you have guaranteed issue rights.)

HealthPartners perks that go the extra mile

A Medicare Supplement plan with HealthPartners doesn’t just include the basics – you get access to additional tools and perks to help you maintain your health. Our plans include:

With the SilverSneakers® program, you can join a participating exercise center for free as well as use home fitness kits and stay fit kits.

Get exclusive discounts on the things that can keep you healthy, like eyeglasses or contacts, skin care products, and more.

If you’re traveling more than 100 miles from where you live, travel assistance through Assist America® can help with 24/7 emergency care assistance and more.*

Basic Medicare Supplement

Up to four optional coverage additions available

Offered in all Minnesota counties

Our HealthPartners® Basic Medicare Supplement Plan covers 100% of your Part B coinsurance costs. Additional coverages are also included, like skilled nursing facility care and emergency overseas care.

You can also choose to add on more benefits, with optional 100% coverage riders for:

  • Part A deductible and coinsurance
  • Part B deductible (if you became eligible for Medicare before Jan. 1, 2020)
  • Part B excess charges
  • Non-Medicare preventive care (up to an annual benefit limit of $120)
Extended Basic Medicare Supplement

Offered in all Minnesota counties

Our HealthPartners® Extended Basic Medicare Supplement Plan covers 100% of your Part A deductible and coinsurance, as well as 100% of your Part B coinsurance and excess charges.

In addition, you’re 100% covered for non-Medicare preventive care (up to an annual benefit limit of $120). Plus, your Part B deductible is 100% covered if you became eligible for Medicare before Jan. 1, 2020.

Additional coverages are also included, like skilled nursing facility care and overseas care. Your annual out-of-pocket costs under this plan won’t exceed $1,000.

$20 and $50 Copayments (Plan N)

Offered in all Minnesota counties

Our HealthPartners® Medicare Supplement Plan with $20 and $50 Copayments (Plan N) covers 100% of your Part A deductible and coinsurance. Plus, after you meet your Part B deductible, your Part B coinsurance is replaced with a $20 copay (for office visits) or a $50 copay (for ER visits).

Additional coverages are also included, like skilled nursing facility care and emergency overseas care.

Looking for more Medicare plan options?

We’re pleased to offer other Medicare plans in Minnesota to help meet your needs:

Legal information

The Medicare Supplement plan is underwritten by HealthPartners, Inc.

*Assist America services are only available during the first 90 consecutive days that you're away from your home and all arrangements must be made through Assist America.

SilverSneakers is a registered trademark of Tivity Health, Inc. © 2021 Tivity Health, Inc. All rights reserved.

Last updated October 2021

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