Medicare supplement plans (Medigap) are available to assist with your Original Medicare costs. Minnesota has specific guidelines in place for its supplement plans, and HealthPartners offers three different tiers of plans in this state.
Medicare supplement plans, also called Medigap, can help you cover your Original Medicare (Parts A and B) healthcare costs, such as deductibles, premiums, copayments, and coinsurances.
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.
Continue reading to find out what HealthPartners Medicare supplement plans offer, where they’re available, and how much they may cost in 2025.
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, and N.
But in some states, such as Minnesota, unique plans are offered based on the laws of those states.
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 unique Medigap plans that fit within Minnesota’s model. They are:
- The Basic Medicare Supplement Plan
- The Extended Basic Medicare Supplement Plan
- The Medicare Supplement Plan with $20 and $50 Copayments
According to Minnesota law, each of the HealthPartners Medigap plans have to provide some kind of coverage for at least these basic benefits:
- inpatient hospital costs
- outpatient medical costs
- blood transfusions
- Part A hospice and respite
- Parts A & B home health services and supplies
The following chart summarizes in more detail the differences in coverage between the three plan options:
| Basic | Extended Basic | $20 and $50 Copayment plan | |
|---|---|---|---|
| Part A deductible and coinsurance | 0% (optional 100% coverage available) | 100% | 100% |
| Part B deductible | 0% for everyone except for those eligible for Medicare before Jan. 1, 2020 (100%) | 0% for everyone except for those eligible for Medicare before Jan. 1, 2020 (100%) | 0% |
| Part B coinsurance | 100% | 100% | $20 copay or $50 copay for emergency care after you meet your Part B deductible |
| Part B excess charges | 0% (optional 100% coverage available) | 100% | 0% |
| Non-Medicare preventive care | 0% (optional 100% coverage available up to a $120 annual limit) | 100% up to a $120 annual limit | 0% |
| International care | 80% (emergency services only) | 80% | 80% (emergency services only) |
| Out-of-pocket limit | None | $1,000 | None |
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.
The costs for the HealthPartners supplement plans don’t vary by location unless you move outside the state or one of the counties listed.
That said, other factors like age or health status can affect your premiums. For example, below is a list of monthly premium and rider costs for smokers and nonsmokers. Note that these estimates were published in 2020, and your actual premium will vary.
| Standard (all applicants) | Tobacco (all applicants) | Standard (eligible applicants before 1/1/2020) | Tobacco (eligible applicants before 1/1/2020) | |
|---|---|---|---|---|
| Basic base rate | $174.70 | $202.80 | $174.70 | $202.80 |
| Basic rider 1 | +$38.50 | +$44.70 | +$38.50 | +$44.70 |
| Basic rider 2 | NA | NA | +$15.40 | +$15.40 |
| Basic rider 3 | +$1.00 | +$1.20 | +$1.00 | +$1.20 |
| Basic rider 4 | +$3.40 | +$3.90 | +$3.40 | +$3.90 |
| Basic (total with all riders) | $217.60 | $252.60 | $233 | $268 |
| Extended basic | $263 | $305.60 | $279 | $321 |
| $20 and $50 copayments (plan n) | $170 | $195.50 | $170 | $195.50 |
Medicare supplement (Medigap) plans are private insurance plans that can 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.
Who has the best Medicare supplemental insurance plan?
What Medigap plan works best for you depends on your needs and what’s available where you live. That said, Healthline recently ranked Humana as the company providing the best Medigap plans in 2025.
What is the downside to Medicare supplement plans?
One disadvantage to Medigap is that you can only use it to help you cover costs associated with Original Medicare (Parts A and B). You can’t use the plan to cover Part D or Medicare Advantage plan costs.
What does an average person pay for Medigap?
The average monthly Medigap premium in 2023 was $217, or $2,604 for a full year of coverage, according to KFF analysis of National Association of Insurance Commissioners (NAIC) data compiled by Mark Farrah Associates (MFA). But premiums vary by state and policy type. For instance, the typical Plan G premium ranged from $140 in D.C., Hawaii, and New Mexico to $236 in New York.
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.