Medigap plans help pay for costs Original Medicare doesn’t cover
Seeing what’s ahead can be 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.
We offer three plans: the HealthPartners® Basic Medicare Supplement Plan, the HealthPartners® Extended Basic Medicare Supplement Plan, and the HealthPartners® Medicare Supplement Plan with $20 and $50 Copayments (Plan N).
If you choose our Basic Medicare Supplement, you can add up to four benefit riders – that means you can further customize your coverage based on what you’re looking for.
With the SilverSneakers® program, you can join a participating exercise center for free as well as get a fitness kit to use at home.
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, Assist America® can help with 24/7 emergency care assistance and more.*
What is a Medicare Supplement plan? Is Medigap the same as Medicare Supplement?
A Medicare Supplement plan helps pay for deductibles and coinsurances you’d normally be responsible for under Original Medicare (Parts A and B). Medicare Supplement is also called Medigap – they’re the same thing.
How do Medicare Supplement plans work?
First, Original Medicare pays its share of approved covered costs. Then, your Medicare 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.
What benefits and coverage come with Medicare Supplement plans?
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 (Parts A and B). 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.
One additional thing to note: Like Original Medicare, Medicare Supplement plans don’t cover most prescription drugs (Part D). You’ll have to also purchase a standalone Part D plan if you want this coverage.
What kind of doctors and providers can I see with Medicare Supplement?
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.
How do I compare Medicare Supplement plans?
We’ve made it simple – just head over to our
From there, it’s easy to use our online shopping tool. All you need is your current ZIP code and county to compare all HealthPartners plans available in your area, including Medicare Supplement plans. You can filter plans to find features you want and get details on the options you’re interested in. Plus, if you’re in an enrollment period, you can begin the application process for the plan that’s right for you.
When can I enroll in a Medicare Supplement plan?
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 but decide you want to switch to one later, insurance companies can still sell Supplement plans to you – 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
Looking for a different Minnesota Medicare plan?
If you’re looking for different Medicare coverage besides a Medicare Supplement plan, we’re pleased to offer
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. © 2022 Tivity Health, Inc. All rights reserved.
Last updated January 2023