Minnesota is one of only three states with a Medicare Cost Plan history and state-specific Medigap rules. That means the advice you find on national websites may not apply here.
For example:
We have standardized Medigap plans (called “Basic” and “Extended Basic”) instead of Plans G or N. Minnesota was affected by the phase-out of Medicare Cost Plans, which means many residents had to switch to Advantage or Medigap. And our provider networks can vary significantly depending on the county you live in.
If you're turning 65:
You have a 7-month window: 3 months before, the month of, and 3 months after your birthday. That’s the best time to enroll in Parts A and B, and choose your supplement or Advantage plan.
If you're already on Medicare:
You can change plans during Annual Enrollment (Oct 15–Dec 7).
Special Enrollment Periods exist if you've moved, lost employer coverage, or qualify for Medicaid or Extra Help.
1. Original Medicare + Medigap + Part D
Pay predictable copays and choose any doctor who accepts Medicare.
Medigap plans help cover what Part A and B don’t (like coinsurance and deductibles).
Minnesota’s Medigap Basic and Extended Basic are powerful tools—but they’re not one-size-fits-all.
2. Medicare Advantage Plans
“All-in-one” plans that often include Part D, dental, vision, and even gym memberships. Usually $0 monthly premiums—but with networks and out-of-pocket limits to consider.
Popular in metro areas like Minneapolis, St. Paul, and Rochester.
Waiting too long to enroll (late penalties stick for life)
Assuming your doctor takes your new plan
Getting advice from someone who only represents one company
I’ve been helping Minnesotans make sense of Medicare for 20+ years. Here's what we offer:
Free Medicare reviews (even if you're already enrolled) One-on-one consultations
We represent all the top carriers in Minnesota, so you’re never stuck with just one option