States I serve · Phone & video
Minnesota Medicare Help
Minnesota has its own supplement structure and new enrollment protections worth reviewing carefully. I offer phone and video Medicare consultations across Minnesota. My Minnesota insurance license number is 40765029.
Medicare help from home
Phone and video appointments are available throughout Minnesota. I start with your ZIP code and county because plan availability and provider networks can vary locally. This page describes remote service, not a physical office in every community.
A state license does not mean I represent every insurer or plan. I confirm the products I can help with before making a recommendation.
Minnesota supplements use different benefit designs
Minnesota’s required Medigap offerings include Basic, Basic with optional riders, and Extended Basic. Some insurers offer additional designs. Compare the actual benefits and riders rather than assuming a plan label from another state means the same coverage in Minnesota.
Medicare Cost plans may also be available depending on where you live. Medicare Select supplement policies can require particular providers for full benefits. If either appears in your comparison, I will identify that plan type explicitly and review how it handles the doctors and facilities you use.
A new 2026 window for certain first-time Medigap applicants
Minnesota’s new protection applies to people ages 65 through 70 applying for Medigap for the first time. Eligible applications during October 15–December 7, 2026 can receive guaranteed issue for coverage beginning January 1, 2027. This route has a 15% premium surcharge that continues for the life of the policy.
Commerce also describes a January–March enrollment route and a separate provision for certain institutionalized applicants. Enrollment during 2027 carries a 20% surcharge under this new provision. This is not a general switching right for existing Medigap policyholders. I check your age, prior supplement history, Part B timing and any other protection before relying on this route.
Medical Assistance and Minnesota Senior Health Options
Medical Assistance is Minnesota’s Medicaid program. Minnesota Senior Health Options, or MSHO, is a separate coverage-coordination option for eligible older adults; the available health plans depend on the county. Minnesota DHS directs people with Medical Assistance questions to their county or Tribal office.
Minnesota Aging Pathways, formerly the Senior LinkAge Line, provides public Medicare assistance. Bring your eligibility letter so a discussion of MSHO or other dual-eligible coverage is based on the benefits you actually receive.
Name every clinic and referral destination
If you use Mayo Clinic, an Allina facility or another specialist system, give me the exact doctor, office and service location. I will check the specific insurance product and year rather than infer participation from a health-system name. Include out-of-state referrals and winter travel if they are part of your routine.
Verify Benjamin’s Minnesota license: open the official Sircon consumer lookup, select Minnesota and search license 40765029. Licensing does not mean every carrier or product is available through the brokerage; I confirm the options I can assist with for your county.
Bring these details to your review
- Your Minnesota county, current coverage and any past Medigap history
- Your Part B start date and the date you want new coverage to begin
- Specific clinic locations, referral hospitals and Medical Assistance notices
Have your medicine names, doses and preferred pharmacy available too. Please do not put a Medicare number, Social Security number or detailed medical records in the general contact form.
How the appointment works
- Choose a phone or video appointment and tell me your state and county.
- I review your coverage, care needs and enrollment dates.
- I explain the available options I represent and any next steps. You decide whether to move forward.
More help for Minnesota residents
Official Minnesota resources
Use these state sources for current program instructions and protections. Public benefits and counseling programs are separate from Thompson Medicare Brokerage.
- Minnesota Commerce: Medicare and Medigap options
- Minnesota Commerce: Administrative Bulletin 2026-3
- Minnesota DHS: Medical Assistance
- Minnesota DHS: Minnesota Senior Health Options
Prepared by Benjamin Thompson, licensed insurance broker. Last reviewed: . About Benjamin and license verification.
Talk through your Minnesota Medicare choices
I can review your doctors, prescriptions, enrollment timing and the insurance options I represent. Consultations are available by phone or video, at no cost and with no obligation to enroll.