Minnesota Medicare Supplement Plan Options
Minnesota Medicare Supplement Insurance plans are different from the plans offered in most other states.
Most states use standardized plan letters such as Plan G, Plan N, or Plan F. Minnesota does not use those same standard plan letters. Instead, Minnesota offers its own state-specific Medicare Supplement options, including a Basic Plan, optional riders, an Extended Basic Plan, a Plan N-style option, and a High Deductible Plan.
The plan that is right for you may depend on your budget, how much coverage you want, and when you first became eligible for Medicare
Basic Plan
The Basic Plan provides a starting level of Medicare Supplement coverage. You can also add certain riders to increase your coverage.
With the Basic Plan, you are responsible for:
- The Medicare Part A hospital deductible
- The Medicare Part B deductible
- Part B excess charges (up to 15% above the Medicare-approved amount)
Available Riders to add to Basic Plan
- Part A Deductible Rider
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- This rider covers the Medicare Part A hospital deductible at 100%.
- Part B Deductible Rider
- This rider covers the Medicare Part B outpatient deductible at 100%.
- This rider is only available if you became eligible for Medicare before January 1, 2020.
- Part B Excess Charge Rider
- This rider covers Medicare Part B excess charges, which may be up to 15% above the Medicare-approved amount.
- Preventive Care Rider
- This rider pays up to $120 per year for certain preventive medical services that are not covered by Medicare.
Extended Basic Plan
The Extended Basic Plan provides more built-in coverage than the Basic Plan.
With the Extended Basic Plan, you may still be responsible for:
- The Medicare Part B deductible (if you became eligible for Medicare on or after January 1, 2020)
- Part B excess charges
Part B excess charges may apply when a provider charges more than the Medicare-approved amount.
Plan N Co-Pay Option (PBCO)
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Minnesota also offers a Plan N-style option, sometimes referred to as PBCO.
With this plan, you may still be responsible for:
- The Medicare Part B deductible, if you became eligible for Medicare on or after January 1, 2020
- Copays of up to $20 for some doctor visits
- Copays of up to $50 for some emergency room visits
- Part B excess charges
Part B excess charges may apply when a provider charges more than the Medicare-approved amount.
High Deductible Plan
The High Deductible Plan is designed for people who want lower monthly premiums and are comfortable taking on more out-of-pocket responsibility before the plan begins paying benefits.
- In 2026, this plan limits your Medicare-eligible out-of-pocket costs to $2,950 per calendar year.
- You will generally be responsible for your Medicare-approved costs until you meet the annual deductible/out-of-pocket limit.
- After that, the plan pays 100% of Medicare-eligible expenses for the remainder of the calendar year.
Additional Resources
Basic vs Extended Basic Plan
