Minnesota Extended Basic Medicare Supplement: 2027 Price

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Minn. Stat. 62A.315, 62A.316 and 62E.07 · prices from CSG Actuarial, pulled October 7, 2026

A Minnesota Extended Basic Medicare Supplement costs $365.94 a month in the plans we quote, for coverage starting January 1, 2027. It caps your share of covered care Medicare skips at $1,000 a year.

That cap is the one thing Basic never has. Basic carrying all three riders a new enrollee can buy costs $364.77, $1.17 less than Extended Basic. Most of what else Extended Basic covers, Basic can match with those riders. The price does not change with age, and it was identical in Minneapolis, Rochester and St. Cloud.

The insurer pays the broker; your premium is the same with or without us.

Extended Basic Against Basic, Benefit by Benefit

Over Basic, Extended Basic adds the Part A deductible, the preventive benefit, care abroad beyond emergencies, and 80% of covered care Medicare skips. Minnesota writes both plans into statute: Basic in 62A.316, Extended Basic in 62A.315. Those sections set each plan's minimum benefits, so the table holds for any insurer.

Monthly premiums from the insurer we place Minnesota applications with, non-tobacco, coverage starting January 1, 2027. Rider prices are added to Basic. Nobody eligible for Medicare since January 1, 2020 can buy Part B deductible coverage on a Minnesota plan.

The $1,000 Cap Is the Reason to Buy It

Extended Basic pays 80% of covered care Medicare does not pay, and your share stops at $1,000 a year. The 80% comes from Minn. Stat. 62A.315(a)(4). The $1,000 limit comes from section 62E.07, which every Extended Basic must meet. Basic has no such layer.

Section 62E.06 lists the covered services. They include hospital and professional services, home health, equipment and ambulance. Nursing home care counts for up to 120 days a year when it would qualify under Medicare. Outpatient prescription drugs are left out; those go to Part D.

Abroad, where Medicare pays almost nothing, Extended Basic pays 80% of usual and customary charges. Basic pays 80% abroad only for a medical emergency.

In most years this layer pays little, because Medicare covers most care. It is a backstop for the year something falls outside Medicare. The insurer must hand you an outline of coverage with the application, and it lists exactly what the layer counts.

$1.17 a Month Separates It From Basic With Every Rider

Basic is $301.38. Add the Part A deductible rider ($50.23), the excess charge rider ($4.33) and the preventive rider ($8.83) and it reaches $364.77. Extended Basic is $365.94.

So $1.17 a month, $14 a year, buys the 80% layer and its $1,000 cap. Drop the preventive rider and compare with Basic plus two riders ($355.94): the gap is $10.00 a month.

Basic with riders pays more in one place: Part B excess charges, 100% by rider against 80%. For Minnesota care that rarely matters. Since 1996, Minn. Stat. 62J.25 has barred a provider from charging a Minnesota resident on Medicare more than Medicare's approved amount for a covered service. Ambulance services and medical supplies and equipment are excepted. Care in another state may not follow Minnesota's rule, so a doctor there can still bill an excess charge. Against that backdrop the excess charge rider costs $4.33 a month.

Who Can Buy Extended Basic Without Health Questions

Extended Basic is guaranteed in your first six months on Part B, within 12 months of a first Advantage plan, and in the 65-to-70 window. An Advantage plan ending does not guarantee it on its own.

The window surcharge applies to premium and riders for as long as the policy is in force. Rights under subd. 1u(b)(1) to (8) are exempt from it (subd. 1r(b)(4)). January to March follows Medicare's Advantage enrollment dates; Commerce has not said whether someone on Original Medicare can use it, so ask us first.

If Your Advantage Plan Is Ending and You Want Extended Basic

Check one date first: when you joined the plan. Joined when your Part B started, and it ends inside 12 months? Then Extended Basic is guaranteed from any insurer at $365.94, no health questions and no surcharge (subd. 1u(b)(6)). Dropped a Medigap policy to try Advantage for the first time? You can get that policy back if the insurer still sells it, or Basic with riders if not (subd. 1u(b)(5), 1u(e)(2)).

Otherwise the letter saying your plan ends guarantees Basic with riders from any insurer. That is $355.94 a month with the Part A deductible and excess riders, no health questions, no surcharge. The right lasts until 63 days after the plan stops. Blue Cross plans ending in 2027 · HealthPartners and Medica plans ending.

Aged 65 to 70 with no Medigap history? The state window opens Extended Basic too, at $420.83 with the 15% surcharge by December 7. That is $64.89 a month more than the guaranteed Basic with riders, $779 a year, for as long as you keep it. The window is used once. Take the guaranteed Basic now and it closes, so a later move to Extended Basic means health questions.

Over 70, or healthy enough to answer the insurer's questions? An application with health questions made outside the window dates carries no surcharge (subd. 1r(c)). For a January 1 start, that means applying before October 15 or between December 8 and December 31. Apply while your 63-day right is still open; if the insurer declines you, the guaranteed Basic with riders is still there. How the 65-to-70 window works.

How This Price Has Moved

The latest Extended Basic change on record with CSG is 15% effective August 1, 2025, after 19.9% the year before. The current rate file is dated August 1, 2026, and CSG lists no change with it. Across 6 filings since 2020, Extended Basic rose 82.89% compounded; Basic rose 46.51% over the same filings. Under community rating a filing reaches everyone on the plan at the same percentage, whatever their age.

Filed changes on record with CSG Actuarial for the insurer we quote, newest first. A filing applies to everyone on that plan with that insurer.

Who It Fits

• Someone who wants a ceiling on the care Medicare skips. The $1,000 cap is the feature no rider can add to Basic.
• Someone who spends time abroad. 80% of usual and customary charges, not only emergencies.
• Not the budget choice. The $20/$50 Copay plan is $268.06, $97.88 a month under Extended Basic, for office and ER copays. Every Minnesota plan and its price.
• Coming from a Plan G state? Basic with the Part A deductible and excess riders is the nearer match. Plan G and Plan N in Minnesota.

Sources

• Benefits: Minn. Stat. 62A.315 (Extended Basic; the 80% in (a)(4)), 62A.316 (Basic and riders), 62E.07 (the $1,000 limit), 62E.06 subd. 1 (covered services). Charge limit: 62J.25.
• Enrollment rights and surcharge: Minn. Stat. 62A.31 subd. 1h, 1r and 1u; Minnesota Commerce Administrative Bulletin 2026-3.
• Prices: CSG Actuarial, pulled October 7, 2026, one insurer, rendered from the data file; surcharge and rider totals computed on the page. Medicare figures: 2026 CMS.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Minnesota and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS, Minnesota Commerce or any insurer. We do not offer every plan available in your area; contact Medicare.gov, 1-800-MEDICARE or the Minnesota Senior LinkAge Line for all options.