Contact

Medigap

Are you nearing 65 or already enrolled in Original Medicare in Chaska, MN? If so, you’ve likely noticed gaps in coverage—like deductibles, coinsurance, and copays—that could leave you with unexpected healthcare costs. That’s where Medicare Supplement insurance, often called Medigap, comes in. At Options Insurance in Chaska, we specialize in helping Minnesotans find the right Medigap plan to fit their health needs and budget. Let’s explore how Medicare Supplement insurance works in Minnesota and why partnering with a local expert can make all the difference.

Request a Quote

Why Choose Medicare Supplement Insurance in Minnesota?

Original Medicare (Parts A and B) covers a lot—but not everything. In Minnesota, Medigap plans step in to cover out-of-pocket expenses, giving you peace of mind whether you’re visiting a doctor in Chaska or traveling across the state. Unlike most of the U.S., Minnesota offers a unique approach to Medigap with two core plans: the Basic Plan and the Extended Basic Plan, plus optional riders to customize your coverage. This flexibility sets us apart, and at Options Insurance, we’ll guide you through it all.

Here’s what Medigap can do for you:

  • Cover Medicare Part A hospital coinsurance and additional days beyond what Medicare pays.
  • Pay for Part B coinsurance (typically 20% of outpatient costs).
  • Handle the first three pints of blood each year and hospice care copays.
  • Offer options for foreign travel emergencies or preventive care not covered by Medicare.

With healthcare costs rising, a Medigap plan can protect your savings and ensure you’re not caught off guard by medical bills.

Minnesota’s Unique Medigap Plans

Minnesota doesn’t follow the standard A–N Medigap lettering system used in most states. Instead, we simplify things with two main plans:

  1. Basic Plan: Covers essential gaps like hospital and medical coinsurance, plus state-mandated benefits (think diabetic supplies or cancer screenings). You can add riders—like the Part A deductible or Part B excess charges—for extra protection.
  2. Extended Basic Plan: Includes everything in the Basic Plan, plus more comprehensive coverage, such as 80% of foreign travel emergency costs and 100% of outpatient mental health services after a $1,000 out-of-pocket limit.

Minnesota also offers versions of Plans K, L, M, N, and a high-deductible Plan F (for those eligible before 2020). All plans here are community-rated, meaning your premium stays the same regardless of age—a big win for Chaska seniors looking for predictable costs.

Why Work with Options Insurance in Chaska?

At Options Insurance, we’re not just another insurance agency—we’re your neighbors in Chaska, MN. We understand the local healthcare landscape, from Carver County clinics to Twin Cities specialists. Here’s how we stand out:

  • Personalized Guidance: We’ll sit down with you (virtually or in-person) to compare plans from top carriers like Blue Cross Blue Shield, Humana, and Cigna.
  • No-Cost Consultations: Our services are free—our goal is to find you the best coverage, not to push a sale.
  • Local Expertise: We know Minnesota’s Medigap rules inside and out, including your six-month Open Enrollment Period when you turn 65 and enroll in Part B, where you’re guaranteed coverage without health questions.

When Should You Enroll?

The best time to sign up for a Medigap plan is during your Medigap Open Enrollment Period—a one-time, six-month window starting the month you turn 65 and enroll in Medicare Part B. Miss it, and you might face higher premiums or even denial due to health conditions. But don’t worry—if you’re past that window, Options Insurance can still help you explore your options, including Special Enrollment Periods if you qualify.

How Much Does Medigap Cost in Minnesota?

Premiums vary based on the plan, riders, and insurer, but here’s a ballpark for Chaska residents in 2025:

  • Basic Plan: $160–$250/month (add riders for $20–$50 more).
  • Extended Basic Plan: $300–$459/month.
  • High-Deductible Plans: As low as $59/month, with a $2,700 deductible before benefits kick in.

Your exact cost depends on factors like tobacco use or the carrier’s pricing, but we’ll shop around to find you the most affordable fit.

Get Started with Options Insurance Today

Ready to secure your healthcare future? At Options Insurance in Chaska, MN, we’re here to simplify Medicare Supplement insurance. Call us at (952) 392-9508 or fill out our quick online form to request a free quote. Whether you’re in Chaska, Waconia, or anywhere in Carver County, we’ll help you navigate Minnesota’s Medigap options with confidence. Let’s find the plan that’s right for you—because your health deserves the best coverage.

Quick Links
Resources
102 N Jonathan Blvd #210
Chaska, MN 55318
 
(952) 392-9508
Copyright ©2025 · Options Insurance - All Rights Reserved. In California we do business as Novallus Insurance Brokers.
Licensed in Arizona, California, Colorado, Illinois, Indiana, Iowa, Minnesota, North Dakota, South Dakota, Utah, Virginia, and Wisconsin.

Disclaimer: We do not offer every plan available in your area. Currently, on average we represent 6 organizations which offer 50 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. The number of organizations and plan choices will depend on geographic location.

Disclaimer: Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Options.Health is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov