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2024 Medicare Supplement plans

Use our shopping tool to see and compare Blue Cross and Blue Shield of Minnesota Medicare Supplement plans in your area.

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Compare plan coverage, costs and benefits side-by-side.

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Plan Overview

What is a Medicare Supplement (Medigap) plan?

A Medicare Supplement plan, or Medigap policy, supplements your Original Medicare benefits. These plans provide medical-only coverage, and benefits are guaranteed renewable as long as you pay your premium. This means as long as you continue to pay your premium, you won’t lose your coverage — even if you have health issues later on.

You can build a Medicare Supplement plan to meet your needs. Go with the base option and save on monthly premiums. Or, choose additional coverage options and limit your out-of-pocket expenses. This may be a good option if you want to pay a higher monthly premium in exchange for lower payments when you visit the doctor.

If you live in Minnesota and you have Medicare Part A and Part B, you can enroll in:

  • Basic Medicare Blue
  • Medicare Supplement Plan with Copayments (Plan N)
  • Medicare Supplement Plan with High Deductible Coverage (High Deductible Plan)
  • Senior Gold℠
     
Learn more about Medicare Supplement plans

Basic Medicare Blue

When you select all four additional coverage options* to a Basic plan you’ll have minimal out-of-pocket costs for Medicare-covered services. Extended Basic Blue costs a little more, but this plan has an out-of-pocket maximum and extended skilled nursing facility days.

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Plan benefit highlights:

  • See any provider that accepts Medicare assignment
  • Coverage that you can keep if you move to another state
  • Guaranteed renewable benefits, as long as you pay your premiums
  • Options to build the most comprehensive coverage

Does your doctor accept Medicare assignment?

You may see any provider that accepts Medicare assignment for in-network benefits. 

Check to make sure your doctor accepts Medicare assignment.

Are your drugs covered?

There is no prescription drug coverage with this plan.

You can pair a Supplement plan with any stand-alone prescription drug plan, such as a MedicareBlueSM Rx plan.

Medicare Supplement Plan with Copayments (Plan N) and Medicare Supplement Plan with High Deductible Coverage* (High Deductible Plan)

Plan N offers a basic level of coverage. It does not cover your Part B deductible.

High Deductible Plan requires that you first meet your deductible before plan benefits will begin.

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Plan benefit highlights:

  • See any provider that accepts Medicare assignment
  • Coverage that you can keep if you move to another state
  • Guaranteed renewable benefits, as long as you pay your premiums

Does your doctor accept Medicare assignment?

You may see any provider that accepts Medicare assignment for in-network benefits

Are your drugs covered?

A Medicare Supplement plan is a medical-only plan and does not include prescription drug coverage.

You can pair a Supplement plan with any stand-alone prescription drug plan, such as a MedicareBlueSM Rx plan.

Senior Gold℠

When you choose a Senior Gold plan and select all four additional coverage options, you’ll have minimal out-of-pocket costs for Medicare-covered services. When selecting full coverage with Senior Gold, our Medicare Supplement plan pays the deductibles*, copayments and coinsurance Original Medicare doesn’t cover.

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Plan benefit highlights:

  • See any provider that accepts Medicare assignment
  • Coverage that you can keep if you move to another state 
  • Guaranteed renewable benefits, as long as you pay your premiums 
  • Options to build the most comprehensive coverage

Does your doctor accept Medicare assignment?

You may see any doctor (provider) that accepts Medicare assignment or any provider in the Aware® network for in-network benefits.

The Aware® network features access to nearly every physician and hospital in Minnesota, and coverage nationwide.

Search for doctors in the Aware network

Are your drugs covered?

A Medicare Supplement plan is a medical-only plan and does not include prescription drug coverage.

You can pair a Supplement plan with any stand-alone prescription drug plan, such as a MedicareBlueSM Rx plan.

Medicare Support

Blue Cross Medicare Advisors

Get help person-to-person

A Blue Cross Advisor will meet with you in person or virtually to answer your questions and enroll you in a Medicare plan.

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Enroll by phone

Give us a call to speak to a Medicare expert.

1-855-579-7658
(TTY call 711)

Help is available from
8 a.m. to 8 p.m. Central Time, daily

Get help from an agent

An agent can help you choose the best plan for you. Learn how an agent can help you

 

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Register for a Medicare Workshop

Learn about Original Medicare and available plans based on the county you live in at a free, no obligation, in-person or virtual workshop.

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*Part B deductible rider is not available to newly eligible members.

Benefits shown above are available when all coverage options are purchased. Prices will vary and may be higher if coverage options are not purchased.

SilverSneakers® is a registered trademark of Tivity Health, Inc., an independent company that provides health and fitness programs. Blue Cross Medicare Advantage, Platinum Blue, Senior Gold and other Medicare Supplement and SecureBlue plans are eligible.

Last updated January 1, 2024

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