Find Medicare Insurance Agents in Minneapolis–St. Paul, Minnesota
Licensed independent agents serving Hennepin County
Choosing the right Medicare Supplement plan in Minneapolis–St. Paul is one of the most important financial decisions you'll make in retirement. A licensed Medicare insurance agent can walk you through every plan option available in Hennepin County, compare costs from multiple carriers, and help you enroll — at no cost to you. Agents are paid by the insurance companies, so their guidance is free.
Questions to Ask Medicare Agents in Minneapolis–St. Paul, Minnesota
- How many Medigap insurance companies do you represent in Minnesota?
- What is the difference between the Minnesota Basic plan and standardized federal Medigap plans?
- Can you show me both the lowest and highest rates currently available for my age and zip code?
- Do rates increase as I get older, and how have rates changed in recent years?
- Are there any tobacco-use surcharges or discounts that would affect my premium?
Find a Licensed Medicare Agent Near You in Minneapolis–St. Paul
Use the directory below to connect with licensed, independent Medicare insurance agents serving Minneapolis–St. Paul and the surrounding Hennepin County area. Independent agents represent multiple carriers so they can compare plans and rates on your behalf.
Find Medicare Agents in Minneapolis–St. Paul →
Facts About Medicare in Minnesota
- Minnesota uses state-specific Medigap plans (MN_BASIC) rather than the standardized federal Plan F, G, and N lettered plans used in most other states.
- For a man or woman age 65, the lowest Medigap rate in Hennepin County Minnesota (non-tobacco) was $167.73 per month as of May 2020.
- The highest Medigap rate in Hennepin County Minnesota for age 65 (non-tobacco) was $264.49 per month, a difference of nearly $100 per month from the lowest rate.
- The Minneapolis-St. Paul metro area spans a large number of zip codes across Hennepin, Ramsey, and Dakota counties, with independent Medicare agents serving communities from Bloomington to White Bear Lake.
- The American Association for Medicare Supplement Insurance (AAMSI) maintains a free, private online directory of local Medicare insurance agents searchable by zip code.
Minnesota Medicare Advantage Plans
The page does not include a dedicated Medicare Advantage section. Visitors seeking Medicare Advantage information are encouraged to connect with local Medicare insurance agents in the Minneapolis-St. Paul area through the AAMSI free agent directory.
Medigap Insurance Companies in Minneapolis–St. Paul, Minnesota
The following carriers offer Medicare Supplement plans to Minneapolis–St. Paul-area residents. Premiums vary significantly between companies for identical plan benefits — comparing quotes is essential.
- Cigna Health and Life Insurance
- Continental - Aetna Health Insurance Company
- AARP Unitedhealthcare
- Omaha Insurance Company
- Humana Insurance Company
Frequently Asked Questions
What is the best Medicare Supplement plan in Minneapolis–St. Paul?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers everything Medicare covers except the Part B deductible. Plan N offers lower premiums with small copays for office and ER visits.
When is the best time to enroll in Medicare Supplement in Minnesota?
During your 6-month Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Part B. During this window no insurer can deny you coverage or charge more due to health conditions.
Do I need a referral to see a specialist with a Medigap plan?
No. Original Medicare does not require referrals. You can see any specialist who accepts Medicare anywhere in the United States with no prior authorization required.
Can I switch Medicare Supplement plans after I enroll?
Yes, but outside of your Open Enrollment Period you may be subject to medical underwriting. If you are in good health, switching to a lower-cost carrier for the same plan level is often straightforward.