How do I get a Medicare Supplement in Minnesota?

Have Part A and Part B, check for a guaranteed issue right, pick a Minnesota plan and apply to the insurer. Minnesota sells its own plans (Basic, Extended Basic, a Copay plan, High Deductible), not Plan G or Plan N. In the plans we quote, Basic with the Part A deductible and excess riders is $355.94 a month for coverage starting January 1, 2027.

What is Minnesota's new Medigap guaranteed issue rule?

Since August 1, 2026, Minnesotans 65 to 70 who have never had a Medicare Supplement can buy one once with no health questions, from October 15 to December 7, for coverage January 1. It adds a lifetime surcharge: 15% for a 2026 enrollment, 20% for 2027. Commerce also lists January 1 to March 31, a period Medicare sets for people on Advantage, and has not said whether people on Original Medicare can use it.

I was turned down for a Medicare Supplement before. Can I get one now?

If you are 65 to 70 and have never held a policy, yes: an earlier decline does not count, and the window must accept you, with the 15% surcharge by December 7, 2026. Losing a Medicare Advantage plan also guarantees coverage with no surcharge, at any age, and so does leaving within 12 months the Advantage plan you joined when your Part B started.

Can I switch from Medicare Advantage to Medigap in Minnesota?

Yes. A plan that is ending gives you Basic with riders from any insurer, no health questions and no surcharge, until March 4, 2027 for a plan ending December 31, 2026. Otherwise apply through the 65-to-70 window or with health questions. Applying with health questions? Wait until the insurer approves you before you join a Part D plan, because joining one ends the Advantage plan.

When should I apply for a Medicare Supplement in Minnesota?

Turning 65: before your Part B starts or in its first six months, with no surcharge. Losing an Advantage plan: before December 31, 2026, so there is no gap. Using the 65-to-70 window: by December 7 for the 15% rate.

Do I have to cancel my Medicare Advantage plan?

Not if it is ending; it stops on its own. If it continues, joining a stand-alone Part D plan between October 15 and December 7 moves you to Original Medicare on January 1. Time it with the Medicare Supplement start date so nothing lapses.

Do I need an agent to apply for Medigap in Minnesota?

No. You can apply with the insurer directly. An agent checks your dates and which guaranteed right fits, and costs nothing extra: the insurer pays the agent, and the premium is the same.

How to Get a Medicare Supplement in Minnesota

To get a Medicare Supplement in Minnesota you need Part A and Part B, a plan from Minnesota's own list, and an application to the insurer. Since August 1, 2026, Minnesotans 65 to 70 who never had a policy can skip the health questions once, from October 15 to December 7.

Which way in fits? A few taps show the options and the deadline.

Check my options Or call — 855-559-1700

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Minn. Stat. 62A.31 and Commerce Bulletin 2026-3 · prices from CSG Actuarial, pulled October 7, 2026

Step 1: Have Part A and Part B

A Medicare Supplement pays only alongside Original Medicare, so both parts come first; the start dates are printed on the Medicare card. Part B sets the clock. The first six months on it are the best time to buy, with any plan guaranteed and no surcharge, and the application can go in before Part B starts.

Step 2: Check for a Guaranteed Issue Right

A guaranteed issue right means the insurer cannot decline the application, charge more for health, or exclude a pre-existing condition (Minn. Stat. 62A.31 subd. 1h and 1u). Five are common:

The first six months on Part B. Any plan, no surcharge. On Medicare through a disability, a second six months starts the month you turn 65.
A Medicare Advantage plan ending, or a move out of its area. Basic with the Part A deductible and excess riders, $355.94 a month in the plans we quote, no surcharge, until 63 days after the plan stops. The letter that says it ends goes in with the application. Blue Cross plans ending · HealthPartners and Medica plans ending.
The first year on Medicare Advantage. Joined Advantage when Part B started and leaving within 12 months: any plan, no surcharge.
Minnesota's 2026 rule change, for ages 65 to 70. Never had a Medicare Supplement? Any plan, no health questions, October 15 to December 7, with a 15% surcharge for as long as the policy is kept (20% from January 1, 2027). It works once. How the window works.
An employer plan that supplements Medicare, or a Medicare Cost plan, ending. Basic with riders, no surcharge.

None of those? Anyone can apply by answering the insurer's health questions. An application approved on health questions outside the window carries no surcharge, so someone in good health can pay less that way. Aged 65 to 70 and never had a policy? Before applying between October 15 and December 7, ask the insurer whether it will add the window surcharge.

Can You Get In Without Health Questions?

A few quick questions. Nothing is sent until you ask for your results.

Turned Down Before? The Rule Change May Cover It

Some people who failed the health questions stayed on Advantage. For anyone 65 to 70 who has never held a policy, that decline no longer matters: the window is for a first Medicare Supplement, and the insurer cannot ask about health.

The guarantee costs the surcharge. Basic with riders is $409.33 a month through the window by December 7, against $355.94 at the standard rate, for as long as the policy is kept. An Advantage plan that is ending gets the same coverage in with no surcharge, so that route comes first when it applies.

Step 3: Pick a Minnesota Plan

Minnesota does not sell the lettered plans (Plan G and Plan N in Minnesota). State law sets the minimum each Minnesota plan must cover, so a plan from one insurer matches the same plan from another. Prices are the insurer we place Minnesota applications with, coverage starting January 1, 2027, the same at any age.

Basic with the Part A deductible and excess riders, $355.94. The closest match to Plan G: after the Part B deductible, little left to pay on Medicare-covered care.
Extended Basic, $365.94. The Part A deductible and a preventive benefit built in, plus 80% of covered care Medicare skips, with the yearly share capped at $1,000. Extended Basic in detail.
The $20/$50 Copay plan, $268.06. A lower premium in exchange for small office and ER copays.
High Deductible, $101.38 to $124.95. The lowest premium, for someone with savings to cover a yearly deductible.
Basic alone, $301.38. The Part A deductible ($1,736 per benefit period in 2026) is left to you.

The guaranteed right in use can narrow the list: losing an Advantage plan guarantees Basic with riders, not Extended Basic. Every Minnesota plan, what it covers and its price.

Step 4: Gather What You Need

Four things make the application one sitting:

The Medicare card, for the Medicare number and the Part A and Part B start dates.
For an Advantage plan that is ending, the letter that says so. Minnesota asks for proof of the end date with the application.
A list of prescriptions and the pharmacy, to pick a Part D plan.
How the premium will be paid: monthly bank draft is the common choice.

Step 5: Apply

The application goes to the insurer, directly or through a licensed agent; the premium is the same either way. Minnesota's Commerce Department advises insurers to ask whether another Medicare Supplement is in force, because the 65-to-70 window is for a first policy only. The insurer must hand over an outline of coverage with the application.

Timing sets the start date. A window application made between October 15 and December 7 starts January 1. For an Advantage plan ending December 31, 2026, apply before then so the supplement starts the next day with no gap.

One call: we check the dates, pick the plan with you and help you apply.

Have the Medicare card and any plan letter nearby. The insurer pays us; the premium is the same with or without us.

Call to Apply in Minnesota — 855-559-1700

Step 6: Add a Drug Plan

A Medicare Supplement does not cover outpatient prescriptions, so a stand-alone Part D plan comes with it. Leaving a continuing Advantage plan? Joining a Part D plan between October 15 and December 7 moves the member back to Original Medicare on January 1, so anyone applying with health questions should wait for the insurer's approval before joining one. Going 63 days in a row without creditable drug coverage adds a Part D late penalty for as long as the plan is kept.

After You Apply

Under a guaranteed right, the insurer issues the policy. The price does not change with age, because Minnesota requires community rating; it moves only with the insurer's rate filings, and a window surcharge stays on that policy. Changing plans later usually means health questions, so the plan picked now should be the one to keep.

Sources

Guaranteed issue rights and the surcharge: Minn. Stat. 62A.31 subd. 1h, 1r and 1u; Minnesota Commerce Administrative Bulletin 2026-3. Plan designs: 62A.315, 62A.316, 62A.3164, 62A.3165.
Prices: CSG Actuarial, pulled October 7, 2026, the insurer we place Minnesota applications with, non-tobacco; not the market low. Medicare figures: 2026 CMS.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Minnesota and 33 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.