Even when you enroll in Medicare, your out-of-pocket costs, including deductibles, co-insurance and co-pays can be significant. This is especially true in Minnesota where health insurance premiums vary based on location and population density. It is important to consider options that can help reduce your out-of-pocket costs. Medicare supplements (also known as Medigap), Medicare managed-care style health plans (Advantage and Cost plans) and Part D plans can provide you the coverage and protection you may need. These additional plans must be approved by the Minnesota Department of Insurance, so you can rest assured that all plans meet the established criteria.
Company
Basic Plan
Part A Deductible
Part B Deductible
100% Part B Excess
Prevention
50% Part
A Ded.
$20 and $50
Copay Part
B
High Ded.
Extended
Basic
50%
75%
American Republic Corp Insurance Company Rural 1 Tobacco
Rural 1 N/T
Rural 2 Tobacco Rural 2 N/T Urban Tobacco Urban N/T
$1,890
$1,701
$2,077
$1,870
$2,223
$2,000
$383
$383
$383
$383
$383
$383
$140
$140
$140
$140
$140
$140
$46
$46
$46
$46
$46
$46
$120
$120
$120
$120
$120
$120
$3,964
$3,567
$4,356
$3,920
$4,661
$4,195
Blue Cross & Blue Shield
Smoker
N/S
$2,040
$1,752
$744
$744
$140
$140
$12
$12
$48
$48
$7,728
$6,144
$1,524
$1,308
$2,028
$1,728
Colonial Penn
Smoker
N/S
$2,069
$1,781
$628
$541
$148
$127
$64
$55
$46
$40
$2,278
$1,960
$1,647
$1,417
$674
$580
$2,953
$2,541
$977
$841
$1,680
$1,445
Combined Insurance of
America
PENDING
Continental Life Of
Brentwood Tennessee
Smoker
N/S
$1,543
$1,365
$368
$325
$140
$140
$81
$72
$60
$54
$1,552
$1,373
$762
$674
$3,522
$3,118
Family Life
Rural Smoker
Rural N/S
Urban 1 Smoker Urban 1 NS Urban 2 Smoker Urban 2 N/S
$1,494
$1,346
$1,913
$1,723
$1,822
$1,641
$349
$312
$446
$400
$425
$381
$189
$189
$189
$189
$189
$189
$24
$21
$30
$27
$29
$26
$78
$71
$100
$90
$95
$86
$4,275
$3,848
$5,474
$4,928
$5,213
$4,693
Gerber Life Insurance
Company Rural Smoker Rural N/S
Urban 1 Smoker
Urban 1 N/S Urban 2 Smoker
$1,701
$1,480
$1,939
$1,687
$2,211
$306
$266
$348
$303
$397
$162
$162
$162
$162
$162
$46
$40
$53
$46
$60
$70
$61
$80
$70
$91
$4,351
$3,785
$4,960
$4,315
$5,656
Urban 2 N/S
$1,924
$345
$162
$52
$80
$4,921
Government Personnel
Mutual
Rural Smoker Rural N/S Urban Smoker Urban N/S
$1,779
$1,548
$2,170
$1,888
$299
$260
$365
$317
$162
$162
$162
$162
$54
$47
$65
$57
$74
$64
$90
$79
$1,710
$1,488
$2,086
$1,815
$4,590
$3,994
$5,600
$4,872
Humana Insurance
Company
Rural 1 Smoker Rural 1 N/S Rural 2 Smoker Rural 2 N/S Urban Smoker Urban N/S
$2,076
$1,764
$1,920
$1,644
$2,196
$1,872
$684
$576
$684
$576
$684
$576
$168
$168
$168
$168
$168
$168
$72
$60
$72
$60
$72
$60
$120
$108
$108
$96
$132
$120
$1,527
$1,309
$1,420
$1,217
$1,618
$1,388
$4,164
$3,564
$3,864
$3,312
$4,416
$3,780
$1,476
$1,260
$1,368
$1,176
$1,560
$1,344
$2,052
$1,764
$1,908
$1,644
$2,184
$1,872
Loyal American Life
Insurance Company
Rural Smoker Rural N/S Urban Smoker Urban N/S
$2,009
$1,607
$2,233
$1,786
$460
$368
$511
$409
$162
$162
$162
$162
$60
$48
$67
$53
$74
$60
$82
$67
$2,317
$1,853
$2,574
$2,059
$2,767
$2,214
$3,075
$2,460
Minnesota Comprehensive
Health Association
Tobacco
Standard
$2,872
$2,244
$560
$438
$140
$140
$3
$2
$38
$30
Royal Neighbors of
America Rural Smoker Rural N/S Urban Smoker Urban N/S
$1,764
$1,588
$2,141
$1,929
$439
$396
$534
$481
$140
$140
$140
$140
$69
$62
$83
$76
$53
$48
$65
$59
$4,229
$3,807
$5,136
$4,624
Sanford Health Plan of MN
Tobacco
N/T
$2,026
$1,823
$532
$480
$160
$160
$67
$50
$109
$98
$1,865
$1,678
$2,317
$2,085
$1,310
$1,179
$6,077
$5,468
State Farm Mutual
Rural
Urban
$1,683
$1,751
$454
$472
$170
$170
$21
$22
$44
$44
$4,896
$5,093
State Mutual Insurance
Company Rural Tobacco Rural Non-tobacco Urban Tobacco Urban Non-tobacco
$2,147
$1,933
$2,760
$2,485
$531
$478
$683
$615
$155
$155
$155
$155
$87
$78
$112
$100
$73
$66
$94
$85
$2,118
$1,906
$2,723
$2,451
$1,043
$940
$1,341
$1,209
$5,148
$4,638
$6,619
$5,963
Sterling Life Insurance
Company Rural Tobacco Rural Non-tobacco Urban Tobacco Urban Non-tobacco
$1,617
$1,392
$1,879
$1,617
$416
$358
$416
$358
$131
$131
$131
$131
$21
$21
$21
$21
$56
$56
$56
$56
$1,542
$1,327
$1,754
$1,509
$2,393
$2,059
$2,716
$2,337
Thrivent Financial For
Lutherans Rural Tobacco Rural N/T
Urban Tobacco
Urban N/T
$1,939
$1,762
$2,154
$1,958
$549
$498
$609
$554
$140
$140
$140
$140
$106
$97
$118
$107
$76
$69
$84
$76
$4,459
$4,052
$4,953
$4,503
United HealthCare AARP
Tobacco
N/T
$1,792
$1,629
$393
$357
$198
$180
$83
$75
$70
$63
$2,469
$2,244
United World Life IC
Rural Smoker
Rural N/S
Urban Smoker 1
Urban N/S 1
Urban Smoker 2
Urban N/S 2
$1,797
$1,561
$1,927
$1,676
$2,082
$1,811
$383
$333
$383
$333
$383
$333
$155
$155
$155
$155
$155
$155
$0
$0
$0
$0
$0
$0
$85
$74
$85
$74
$85
$74
$1,565
$1,361
$1,681
$1,462
$1,816
$1,580
$4,642
$4,039
$4,986
$4,338
$5,387
$4,687