If you're a resident of Minnesota and eligible for Medicare, don't go anywhere! In this video, we discuss the Medigap plans available in your state.

Minnesota has two different types of Medigap plans, known as the Basic Plan and the Extended Basic Plan. Both of these plans include what are known as Basic Benefits.

The Basic Benefits both Minnesota Medigap plans include are:
• Coverage for any coinsurance that falls under Part A and Part B
• Coverage for the first three pints of blood per year
• Coverage for some hospice and home health services

Additionally, both Minnesota Medigap plans also include:
• 80% coverage for foreign travel emergencies
• 20% coverage for mental health care in an outpatient facility
• 20% coverage for physical therapy

Additionally, there are state-mandated benefits that come with both the Basic Plan and the Extended Basic Plan:
• Cancer screenings
• Reconstructive surgery
• Immunizations
• Diabetic equipment

The Basic plan includes the state-mandated benefits along with 100 days in a skilled nursing facility.

The Extended Basic plan comes with all of the previously mentioned benefits, plus some additional benefits as follows:
• Coverage for the deductibles that fall under Part A and Part B
• 20 extra days of skilled nursing facility care
• 80% coverage for usual and customary fees
• 80% coverage while in a foreign country

Additionally, on the Extended Basic Plan, once you spend $1k out-of-pocket, all benefits will be covered 100%.

With the Basic Plan (not the Extended Basic Plan), you can increase coverage by adding any of four riders. The four riders are as follows:
• Part A deductible rider
• Part B deductible rider – only available to those Medicare-eligible before 2020
• Usual and Customary Fees Rider
• Non-Medicare Preventive Care Rider

Good news for Minnesota residents: the state does not allow excess charges from doctors not accepting Medicare.

Although you can enroll in Medigap at any time, the best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period.

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