- Original Medicare doesn’t cover all of your healthcare costs, but you can use a Medicare supplement (Medigap) plan to help offset your out-of-pocket expenses.
- HealthPartners is a Minnesota-based insurance company that offers several Medicare supplement plan options throughout the state.
- Plan costs are the same no matter where you live in Minnesota, but rates may be higher if you use tobacco.
Based in Minnesota, HealthPartners is an insurance company that offers several Medicare supplement plan options to state residents.
If you have Medicare parts A and B, Medicare supplement plans can be used to help you cover your healthcare costs, like deductibles, premiums, copayments, coinsurances, and more.
Continue reading to find out what HealthPartners Medicare supplement plans offer, where they’re available, and how much they may cost.
Medicare supplement plans can be purchased throughout the state of Minnesota.
To find specific plan options and prices where you live, you can go directly to the company’s website and enter your ZIP code.
In most states, the Medigap plans offered are standardized and defined by Medicare. This usually includes 10 types of Medicare supplement plans: A, B, C, D, F, G, K, L, M, N.
In three states, however, unique plans are offered, based on the laws of those states. The three states are:
Minnesota offers the equivalent of plans K, L, M, and N, as well as a version of the high-deductible Plan F to people who were eligible for Medicare before January 1, 2020.
HealthPartners has created its own unique Medigap plans that fit within Minnesota’s model:
- Extended basic
- Plan N
Below, you’ll find a table that compares the benefits offered with each plan.
|Basic||Extended basic||Plan N|
|Part A |
|optional rider available (if eligible)||100%||100%|
|Part B deductible||optional rider available (if eligible)||optional rider available (if eligible)||no|
|100%||100%||copays apply ($20 for some office visits, up to $50 for emergency room visits)|
|Part B excess charges||optional rider available||optional rider available||no|
|Non-Medicare preventive care||optional rider available||100%||no|
|Emergency care in foreign countries||80%||80% |
(emergency and nonemergency)
|Skilled nursing facility care||100%||100%||100%|
Each of the HealthPartners Medigap plans covers these basic benefits:
- inpatient hospital care
- Medicare-approved medical costs
- skilled nursing facility care (limited coverage)
- the first 3 pints of blood for transfusions each year
- Medicare Part A hospice and respite care with cost sharing
- home health services and supplies with cost sharing
- physical therapy
Minnesota also requires Medigap plans to include a number of benefits. These are covered at either 80 percent or 100 percent, depending on the plan you choose. These benefits include:
You can enroll in a HealthPartners Medigap plan when you enroll in Medicare Part B, regardless of your age or healthcare needs.
After that, HealthPartners offers a 6-month open enrollment period when you retire if you previously returned to work and dropped Medicare Part B to use an employer’s health plan.
Costs for the HealthPartners supplement plans don’t vary by location, unless you move outside the state or one of the Wisconsin counties listed. Premium costs do vary for smokers versus nonsmokers, though.
Below is a list of monthly premium and rider costs for smokers and nonsmokers.
(not including Part B)
excess charges rider
|$16.50 (for those eligible)||$1||$3.40|
|Basic (smoker)||$220||—||$49||$16.50 (for those eligible)||$3.70||$4.30|
|Extended basic (nonsmoker)||$288.90–$306||—||—||—||—||—|
|Extended basic (smoker)||$332.20–$352||—||—||—||—||—|
|Plan N (nonsmoker)||$186.30||$20; |
|Plan N (smoker)||$214.20||$20;|
Medicare supplement (Medigap) plans are private insurance plans that can be used to help you cover your healthcare costs if you have original Medicare (parts A and B).
Costs include deductibles, premiums, copayments, coinsurances, and more.
You cannot purchase both a Medigap and Medicare Advantage (Part C) plan. You must choose one or the other.
The goal of Medicare supplement insurance is to offer you a plan that helps cover any healthcare costs you might face beyond what Medicare covers. You must pay a monthly premium for this plan.
There are 10 different types of Medicare supplement plans, and they’re standardized in most parts of the country. Only Massachusetts, Minnesota, and Wisconsin have exceptions, due to state mandates.
Compare plans and premium prices when choosing a Medicare supplement plan to find the one that best suits your needs. Just be sure you’re comparing the right types of products.
- Medicare supplement plans can help you pay for any costs you face beyond your regular Medicare coverage.
- Minnesota has special rules for its supplement plans.
- HealthPartners has plans throughout Minnesota and in some parts of Wisconsin.
- Rates don’t vary by location within coverage areas, but you will pay more if you’re a smoker.
This article was updated on November 20, 2020, to reflect 2021 Medicare information.
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