Minnesota Medicare: What They Don’t Tell You (But You Can’t Afford to Miss)

Minnesota Medicare: What They Don’t Tell You (But You Can’t Afford to Miss)

May 27, 2025

By Tim Peddycoart | Founder of VitalShield Insurance


If you're turning 65 in Minnesota—or helping a spouse or parent who is—you’ve likely realized something:




Medicare isn’t simple. And in Minnesota, it’s even more confusing.


We’re one of only three states with our own unique Medigap rules. We had Medicare Cost Plans. Our plan names don’t match what you’ll see in the rest of the country. And if you don’t choose the right plan when you first enroll, you could be stuck or penalized—for life.


That’s why we wrote this guide.


To show you what most agents, websites, and TV commercials won’t.

So if you want to save money, avoid mistakes, and feel confident that your Medicare is handled…


You’re exactly where you need to be.




🔍 What Makes Minnesota Medicare So Different?


Most states use standardized Medigap plans—like Plan G, Plan N, and so on. But here in Minnesota, we use Basic and Extended Basic plans, with unique add-ons and variations.


We also experienced the phase-out of Medicare Cost Plans, which forced many Minnesotans to scramble into Advantage or Supplement plans without fully understanding their options.


Here’s what that means for you:


→ What worked for your friend in Florida or your cousin in Ohio? Probably doesn’t apply here.


→ Many national websites won’t show the right plans for your zip code.



🚨 Mistakes We See (That You Can Easily Avoid)


✔ Choosing a plan based on your friend’s advice—not your needs
✔ Picking a plan without checking if your doctors and prescriptions are covered

✔ Missing your Initial Enrollment Period and getting hit with penalties

✔ Relying on an agent who only represents one company (big red flag)



🙋‍♂️ Why Clients Trust VitalShield Insurance


Let’s be blunt: we’re not captive agents pushing one plan.


We’re independent, licensed in Minnesota and 9 other states, and we represent multiple top carriers so you get the right fit—not just a cookie-cutter plan.


We’ve helped hundreds of Minnesotans:


  • Save hundreds per month on coverage
  • Get Part B giveback benefits
  • Avoid surprise bills
  • And sleep better at night knowing they’re covered



🎯 What You Should Do Right Now


If you’re turning 65—or just unsure about your current Medicare plan—don’t wait.


Thousands of Minnesotans every month are trying to find help, and it’s getting harder to reach a local, experienced agent who actually picks up the phone and gives honest advice.



✅ Click below to:


  • 📅 Book a free Medicare review with Tim:



🔐 Your Medicare decision is too important to wing it.


Let us help you make the smart move now—before your window closes.


VitalShield Insurance | Local. Licensed. Independent. Trusted.


Helping Minnesota seniors and families feel confident in their Medicare choices.


333 N Washington Ave Suite #300, Minneapolis, MN 55401


https://g.co/kgs/FZJ2iiK