Minnesota Medicare Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

The state flag of Minnesota | Minnesota Medicare Insurance Plans

There is no requirement in the state of Minnesota for an insurer to sell Medicare Supplement Insurance policies to people under the age of 65.

 

Mini-COBRA Policies (Small Group)

Minnesota mandates continuation coverage under the Minnesota mini-COBRA law for small employers of 2 to 19 employees.

Minnesota Medicare Savings Program

There are four Medicare Savings Programs available in the state of Minnesota.

The following data is from 2016 and is based on federal amounts.  These amounts may increase in 2017.  If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*

  • Qualified Medicare Beneficiaries (QMBs): QMBs range from individuals with a monthly income under $1,010 or couples with a monthly income under $1,355. The state pays all premiums for Medicare Part B and all copays and deductibles for Medicare Parts A and B.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): SLMBs range from individuals with a monthly income under $1,208 or couples with a monthly income under $1,622. The state pays premiums for Medicare Part B.
  • Qualified Individuals (QIs): QIs range from individuals with a monthly income under $1,357 or couples with a monthly income under $1,823.  The state pays premiums for Medicare Part B.
  • Qualified Working and Disabled Individuals (QWDIs): QWDIs range from individuals with a monthly income under $4,045 or couples with a monthly income under $5,425. The state pays premiums for Medicare Part A.

*Data from Medicare.gov

**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.

State Health Insurance Assistance Program (SHIP)

The local Minnesota SHIP Program (Senior LinkAge Line) is available to help you understand your available Medicare benefits. Senior LinkAge Line is a confidential and personal Medicare beneficiary counseling program in Minnesota.

Senior LinkAge Line provides education, counseling, and information concerning:

  • Medicare
  • Prescription drug expense assistance for Minnesotans of all ages
  • Health insurance counseling
  • Forms assistance, including help applying for Medical Assistance and Medicare options
  • Long-term care insurance, including the Long-Term Care Partnership
  • Long-term care planning options
  • Caregiver planning and support
  • Grandparents raising grandchildren

The SHIP program in Minnesota is funded by a grant through the Centers for Medicare and Medicaid Services (CMS).

(ExtraHelp) for Prescription Drugs

In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple). To compare Minnesota Medicare insurance plans, consult with a Medicare Solutions licensed sales agent today. A knowledgeable licensed sales agent can answer questions you have about plan comparisons and ensure you locate the Medicare insurance benefits that meet your needs.