Find your high quality, low cost Medicare plan today!

Minnesota Medicare Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

There is no requirement in the state of Minnesota for an insurer to sell Medicare Supplement Insurance policies to people under the age of 65.

High-Risk Pool

The Minnesota Comprehensive Health Association (MCHA) offers individual health insurance plans to people who would have difficulty acquiring health insurance because of a pre-existing condition. MCHA, which is a non-profit organization established by the Minnesota State Legislature in 1976, helps Minnesota residents find the health insurance option that best fits their needs. MCHA offers individual deductible plans — with deductibles of $500, $1,000, $2,000, $5,000, and $10,000 —and a federally qualified high-deductible health plan with a maximum deductible of $3,000.

Mini-COBRA Policies (Small Group)

Minnesota mandates continuation coverage under the Minnesota mini-COBRA law for small employers of 2 to 19 employees.

Minnesota Medicare Savings Program

There are four Medicare Savings Programs available in the state of Minnesota:

  • Qualified Medicare Beneficiaries (QMBs): QMBs range from families of one with monthly income of $993 or less up to families of eight with a monthly income up to $3,366 (with an income limit of $339 for each additional person over eight). The state pays all premiums for Medicare Part B and all copays and deductibles for Medicare Parts A and B.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): SLMBs range from families of one with monthly income of $1,187 or less up to families of eight with a monthly income up to $4,029 (and an income limit of $406 for each additional person over eight). The state pays premiums for Medicare Part B.
  • Qualified Individuals (QIs): QIs range from families of one with monthly income of $1,333 or less up to families of eight with a monthly income up to $4,532 (and an income limit of $457 for each additional person over eight). The state pays premiums for Medicare Part B.
  • Qualified Working and Disabled Individuals (QWDs): QWDs range from families of one with monthly income of $1,965 or less up to families of eight with a monthly income up to $6,704 (and an income limit of $677 for each additional person over eight). The state pays premiums for Medicare Part A.

State Health Insurance Assistance Program (SHIP)

The local Minnesota SHIP Program (Senior LinkAge Line) is available to help you understand your available Medicare benefits. Senior LinkAge Line is a confidential and personal Medicare beneficiary counseling program in Minnesota.

Senior LinkAge Line provides education, counseling, and information concerning:

  • Medicare
  • Prescription drug expense assistance for Minnesotans of all ages
  • Health insurance counseling
  • Forms assistance, including help applying for Medical Assistance and Medicare options
  • Long-term care insurance, including the Long-Term Care Partnership
  • Long-term care planning options
  • Caregiver planning and support
  • Grandparents raising grandchildren

Minnesota’s SHIP program is funded by a grant through the Centers for Medicare and Medicaid Services (CMS).

Low-Income Subsidy (ExtraHelp) for Prescription Drugs

For 2015, the low-income subsidy for Extra Help with prescription drugs in Minnesota is $30.00. To compare Minnesota Medicare insurance plans, consult with a Medicare Solutions specialist today. A knowledgeable specialist can answer questions you have about plan comparisons and ensure you locate the Medicare insurance benefits that meet your needs.