• Original Medicare doesn’t cover all costs, so you can use Medicare supplement plans, sometimes called Medigap plans, to help offset your share of healthcare costs.
  • HealthPartners is a Minnesota-based insurance company that offers several Medicare supplement plan options.
  • HealthPartners plans are available in all 87 Minnesota counties, plus several counties in Wisconsin.

Based in Minnesota, HealthPartners is an insurance company that offers several Medicare supplement plan options to residents of all 87 counties in the state and eight counties in Wisconsin. HealthPartners received an overall 2020 Medicare Star rating of five stars, which is an “Excellent” rating.

Medicare supplement plans can be purchased in all 87 counties in Minnesota.

Plans are also available to residents of these Wisconsin counties:

  • Barron
  • Burnett
  • Douglas
  • Dunn
  • Pierce
  • Polk
  • St. Croix
  • Washburn

If you already have a HealthPartners plan and move outside of Minnesota or one of these Wisconsin counties, you can keep your plan — but your premium cost will increase.

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 2020.

HealthPartners has created its own unique Medigap plans that fit within Minnesota’s model.

Minnesota HealthPartners Medicare supplement plan benefits

Minnesota
benefits
Basic PlanExtended BasicPlan N
(with $20 and $50 copay)
Out-of-pocket
maximum
no$1,000no
Part A inpatient
deductible
optional rider available (if eligible)100%100%
Part B deductiblenooptional rider available (if you qualify)no
Part B
coinsurance
100%100%based on the plan you choose
Part B excess chargesoptional rider availableoptional rider availableno
Non-Medicare preventive careoptional rider available100%no
Emergency care in foreign countries80%80%
(emergency and nonemergency)
80%
Skilled nursing facility care100%100%100%
State-mandated
benefits
80% or 100%80% or 100%80% or 100%

Each of the HealthPartners Medigap plans covers these basic benefits:

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.

Plan
Base premium

(not including Part B)
CopayPart A
deductible

(inpatient hospital deductible rider)
Part B
deductible

rider
Part B
excess charges
rider
Preventive
care
rider
Basic Plan (nonsmoker)
$174.70

$38.50
$1$3.40
Basic Plan (smoker)$202.80$44.70$1.20$3.90
Extended Plan (nonsmoker)$263
Extended Plan (smoker)$305.60
Plan N (nonsmoker)$170$20;
$50
Plan N (smoker)$195.50$20;
$50

Medicare supplement 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).

Medicare Part A covers inpatient care, while Medicare Part B covers outpatient care.

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.

The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Healthline Media does not recommend or endorse any third parties that may transact the business of insurance.

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