at a glance
  • 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 plan options to state residents. These options include Medicare Advantage (Part C) and Medicare supplement (Medigap) plans.

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.

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:

HealthPartners Medigap plan extra benefits

Medigap plans through HealthPartners also include the following perks:

  • Fitness benefits. The Silver&Fit Healthy Aging and Exercise program partners with certain fitness centers for free memberships and home fitness kits.
  • Healthy living discounts. With these plans, you’ll receive discounts certain products like on eyeglasses or contacts, skin care needs, and more.
  • Travel assistance. When traveling over 100 miles from home, Assist America can help with things like emergency care and help getting home. These services are available 24/7.

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. Here is an overview of what each of these plans cover.

Basic

  • Part A deductible: optional rider available (if eligible)
  • Part B deductible: optional rider available (if eligible)
  • Part B coinsurance: 100%
  • Part B excess charges: optional rider available (if eligible)
  • additional preventive care services: optional rider available (if eligible)
  • emergency care in foreign countries: 80%
  • skilled nursing facility care: 100%

Extended basic

  • Part A deductible: 100%
  • Part B deductible: optional rider available (if eligible)
  • Part B coinsurance: 100%
  • Part B excess charges: optional rider available
  • additional preventive care services: 100%
  • emergency care in foreign countries: 80%
  • (emergency and nonemergency)
  • skilled nursing facility care: 100%

Plan N

  • Part A deductible: 100%
  • Part B deductible: no
  • Part B coinsurance: copays apply ($20 for some office visits, up to $50 for emergency room visits)
  • Part B excess charges: no
  • additional preventive care services: no
  • emergency care in foreign countries: 80%
  • skilled nursing facility care: 100%

When can I enroll in a HealthPartners supplement plan?

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.

Healthline

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.

PlanBase premium
(not including Part B)
CopayPart A
deductible rider
Part B
deductible
rider
Part B
excess charges rider
Preventive
care
rider
Basic (nonsmoker)
$191.60

$42.20
$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;
$50
Plan N (smoker)$214.20$20;
$50

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).

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.

  • 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.