Meet The Team
Real local people on your side
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
Medigap (Medicare Supplement) sits alongside Original Medicare and pays the gaps, so you can see any provider in the country that takes Medicare — no networks, no referrals. Minnesota standardizes these plans differently than most states, and knowing the menu is half the battle. We’ll walk you through it. Free to you, no pressure.
Almost every national article and commercial describes Medigap as lettered plans, A through N. That’s not how it works here, so a lot of the advice you’ll find online simply doesn’t apply to you.
We’ll show you the actual Minnesota menu, what each plan covers, and real local pricing — then help you match it to how you use care.
A Medigap policy pays some or all of the deductibles and coinsurance that Original Medicare leaves you, so your costs are predictable and you can use any provider nationwide that accepts Medicare. There are no networks and no referrals. Medigap does not include drug coverage, so you pair it with a standalone Part D plan.
Minnesota is one of three states (with Massachusetts and Wisconsin) with a federal waiver to standardize Medigap its own way. Instead of the lettered plans, here’s the actual menu — with example 2026 premiums for our area, ordered by price:
| Minnesota Medigap plan | Monthly premium* | The trade-off |
|---|---|---|
| High Deductible Plan | $56–$126 | Lowest premium; you cover a $2,950 plan deductible first, then $0 |
| 50% Cost Sharing Plan | $95–$155 | You pay ~10% of Part B services up to $8,000, then $0 |
| 75% Cost Sharing Plan | $162–$220 | You pay ~5% up to $4,000, then $0 |
| $20 & $50 Copay Plan | $171–$293 | Simple, flat $20 and $50 copays for Part B services |
| Basic Plan | $200–$326 | Core gaps covered; add optional riders for more |
| Extended Basic Plan | $303–$490 | Most comprehensive — covers the Part A deductible and nearly all cost-sharing |
* Example 2026 monthly premiums from Medicare.gov for a 66-year-old non-tobacco enrollee in our area; ranges reflect different carriers offering the same standardized plan. The standard Part B premium ($202.90) is separate, and every Medigap plan needs its own Part D drug plan. Figures are the versions available to people who became Medicare-eligible in 2020 or later; legacy versions remain for those eligible before January 1, 2020.
Minnesota uses community rating, which means age generally doesn’t change your Medigap premium — a 65-year-old and a 75-year-old typically pay the same for the same plan (your ZIP code still matters). And because the state sets the benefits, the same plan covers the same things at every carrier, so the real shopping is on price and company.
Timing matters: your easiest, no-health-questions window to buy Medigap is the six months after your Part B starts. After that, switching can involve medical underwriting, though Minnesota has added some annual opportunities to change plans. We’ll tell you exactly what applies to you.
Tell us how you use care and a licensed Medicare broker will compare the Minnesota Medigap plans for you, plus a matching Part D plan.
We’ll get back to you within one business day.
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
