Can I buy Medigap Plan G in Minnesota?

No. Minnesota, Massachusetts and Wisconsin sell their own Medicare Supplement designs instead of the lettered plans. In Minnesota, Basic with the Part A deductible rider and the excess charge rider covers what Plan G covers: $355.94 a month in the plans we quote, for coverage starting January 1, 2027.

What is the Minnesota version of Plan N?

The $20/$50 Copay plan. Like Plan N, it pays the Part A deductible and your Part B coinsurance except up to $20 at an office visit and up to $50 at an ER visit that does not admit you, and it lists no excess charge benefit. It is $268.06 a month, $87.88 under the Plan G match.

I moved to Minnesota with Plan G. Can I keep it?

Usually yes. A Medigap policy follows you when you move, and your insurer keeps renewing it. You only need a Minnesota plan if you choose to switch, and outside a guaranteed window the new insurer can ask health questions.

Is Extended Basic better than Plan G?

Different, not simply more. It pays 80% of usual and customary costs Medicare does not cover, abroad too, and caps your share of them at $1,000 a year (Minn. Stat. 62E.07). It adds a $120 preventive benefit. It costs $10.00 a month more than Basic with riders in the plans we quote ($365.94).

Plan G and Plan N in Minnesota: What to Buy Instead

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Minn. Stat. 62A.316 and 62A.3164 · prices from CSG Actuarial, pulled October 7, 2026

There is no Plan G in Minnesota. The state's match is Basic plus two riders, the Part A deductible and Part B excess charges, at $355.94 a month for coverage starting January 1, 2027. For Plan N, Minnesota has the $20/$50 Copay plan at $268.06.

Those are the plans we quote, one insurer, the same price at any age anywhere in the state. If you moved here from a Plan G state, ask for Basic with the Part A and excess riders.

Quote the Minnesota Plan G Match — 855-559-1700

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

Plan G Against Basic With Riders, Line by Line

Benefit	Federal Plan G	Minnesota Basic + 2 riders
Part A hospital coinsurance and extra days	Yes	Yes, all Medicare-eligible hospital expenses after the deductible
Part A deductible	Yes	Yes, by rider
Skilled nursing, days 21 to 100	Yes	Yes
Part B coinsurance (your 20%)	Yes	Yes, after the Part B deductible
Part B excess charges	100%	100%, by rider
Part B deductible	No	No (no Minnesota plan pays it for anyone eligible since 2020)
Blood, first three pints	Yes	Yes
Hospice cost sharing	Yes	Yes
Emergency care abroad	80%, within plan limits	80%
Diabetes equipment and supplies	Part B coinsurance on Medicare-covered supplies only	80% of what Part D does not cover
Preventive exam Medicare skips	No	Optional rider, up to $120 a year
Monthly, coverage from January 1, 2027	Not sold in Minnesota	$355.94 ($301.38 + $54.56 riders)

Minnesota benefits from Minn. Stat. 62A.316; federal Plan G from the standardized design. Neither pays the Part B deductible ($283 in 2026). Prices: one insurer, non-tobacco, CSG Actuarial, not the market low.

Why Minnesota Splits Plan G Into Pieces

Minnesota built its plans around a Basic core and lets you add riders one at a time. Skip the Part A deductible rider and Basic is $301.38; you pay the $1,736 Part A deductible (2026) for each benefit period yourself. Skip the excess rider and save $4.33 a month; Minnesota law (Minn. Stat. 62J.25) already bars providers billing a Minnesota resident above Medicare's rate, except for ambulance and medical supplies and equipment.

The Basic core also carries benefits Plan G does not list: 80% of diabetes equipment and supplies Part D does not cover, and 100% of immunizations Part D does not cover. So the Minnesota match is a little more than Plan G, not less.

Plan N Becomes the $20/$50 Copay plan

The copay design is close to federal Plan N. Office visits cost up to $20 (Plan N: up to $20), ER visits up to $50 (Plan N: $50), waived if you are admitted. The Part A deductible is covered. Neither lists an excess charge benefit.

At $268.06, it is $87.88 a month under Basic with riders, $1,055 a year. If you see a doctor four times a year, the copays cost you at most $80.

Plan G match $355.94, Plan N match $268.06.

Aged 65 to 70 and never had Medigap? Apply by December 7 with no health questions; the state adds 15% for life, which makes $409.33 and $308.27.

Apply for My Minnesota Plan — 855-559-1700

Getting In Without Health Questions

New to Part B: any Minnesota plan in your first six months, no surcharge. Aged 65 to 70 with no Medigap history: any plan in the yearly window, with a lifetime surcharge (how the window works). Losing a Medicare Advantage plan: Basic with these same two riders, no surcharge (Blue Cross plans ending). Joined Advantage when Part B started and leaving within 12 months: any plan, no surcharge. Most others answer health questions, and an approved application carries no surcharge.

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 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.

Plan G and Plan N in Minnesota: Questions

Every Minnesota Plan and Price Minnesota Open Enrollment, Ages 65 to 70

Ask for Basic with the Part A and excess riders.

That is Plan G in Minnesota. Call and we can help you apply.

Call to Apply in Minnesota — 855-559-1700