Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Minnesota
Connect with Medicare agents in Minnesota
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Minnesota
Medicare Advantage plans are a popular Medicare coverage option in Minnesota. 59% of all Medicare users are on a Medicare Advantage plan. The remaining 41% are on Original Medicare.
Minnesota Medicare Advantage plans limit your annual out-of-pocket costs, whereas Original Medicare does not. To protect against high out-of-pocket costs, Original Medicare users can enroll in a Medigap plan that significantly reduces out-of-pocket costs.
Many of the Medicare Advantage plans available in Minnesota include benefits like dental, vision, and hearing care. Original Medicare doesn't cover hearing aids or routine eye exams, and it generally doesn't cover routine dental care.
Medicare Advantage plans also usually include Part D (prescription drug) coverage. While Original Medicare doesn’t include prescription coverage, you can get a separate Part D plan to get your prescriptions covered.
There are some upsides to Medicare Advantage, as we’ve mentioned, but there are also downsides. Medicare Advantage plans use provider networks that limit the doctors you can see. If you’re on Original Medicare, you can see any doctor who accepts Medicare, which is the vast majority of doctors nationwide. Medicare Advantage plans are also notorious for requiring prior authorization and denying requests, even for covered services that are medically necessary.
How to apply for Medicare in Minnesota?
Medicare eligibility in Minnesota follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Minnesota takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
What should Minnesota residents compare before choosing Medicare coverage?
Minnesota residents should consider their health care needs, preferred doctors, prescription drug needs, and budget before choosing Medicare coverage. For help, they can contact Chapter's Licensed Medicare agents. They'll provide free help and support you throughout the coverage selection process. Chapter also supports people after they’ve enrolled, helping with things like incorrect billing, finding doctors, and appealing denials. Call Chapter at (855) 900-2427 to ask any questions you may have or schedule a free consultation.
How does Minnesota's special Medigap Open Enrollment Period work?
As of 2026, Minnesota offers an annual guaranteed-issue Medigap Open Enrollment Period for people ages 65 to 70. The period is available only to seniors who've never used it before. It occurs during the Medicare Open Enrollment Period, between October 15 and December 7.
Why do Medicare Supplement policies in Minnesota differ from the standard lettered plans used in most states?
Minnesota is one of three states that don't use the ten nationally standard Medicare Supplement plans. Instead, Minnesota residents have access to two plans: the Basic Plan and the Extended Basic Plan. They also have access to the standard Medigap K, L, and M Plans. And people who had or were eligible for Medicare before January 1, 2020 can enroll in a high-deductible Plan F.
When can Minnesota residents enroll in or change Medicare plans?
Minnesota residents can sign up for Medicare for the first time during their Initial Enrollment Period (IEP). Each person has a different IEP, starting three months before the month they turn 65 and lasting three months after.
They can change Medicare Advantage or prescription drug plans each year during Open Enrollment from October 15 to December 7. People already enrolled in Medicare Advantage can also make changes from January 1 to March 31. Medicare beneficiaries can also use qualifying Special Enrollment Periods to enroll in or change their Medicare coverage.
