Gopher State Agency

(763) 427-9440

Gopher State Agency

Phone: (763) 427-9440
Fax: (763) 780-1734
1633 County Road 10, Suite 16
Spring Lake Park, MN 55432 (MAP)
Servicio en español: (763) 656-3854
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This agency is licensed only in Minnesota and Wisconsin. Company links or logos on this web site does not imply the endorsement by those companies of this web site. This is an "agency only" site. Please note that we cannot bind coverage through our web site or through email. For more information regarding bound coverage, please visit our LEGAL page, or call us.

Medigap Insurance

Medigap Insurance Get a quote

Medicare Supplement Insurance, or "Medigap" coverage, has been recently expanded. Do you know how much coverage you need?

The Social Security Administration has required the standardization of plans, and shopping for a plan that fits your needs has never been easier!

Contact us for help- we look forward to serving you in this very important part of your insurance needs.

Below is information, courtesy, which can provide basic consumer information.

Medicare does NOT endorse this web site or this agency. You are NOT required to purchase an additional policy to supplement your Medicare.

What is a Medigap policy?

A Medigap policy is a health insurance policy sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage.

When you buy a Medigap policy, you pay a premium to the insurance company. This premium is different than the Medicare Part B premium you must also pay. As long as you pay your premium, your policy is guaranteed renewable, which means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium.

If you buy a Medigap policy, it only covers your health care costs. It doesn't cover any health care costs for your spouse.

Some examples of Gaps in Medicare covered services What YOU Pay in 2003 A Medigap Policy May Help Pay These Costs
Hospital Stays
  • $840 for the first 60 days
  • $210 per day for days 61 -90
  • $420 per day for days 91 -150
Skilled Nursing Facility Stays
  • Up to $105 per day for days 21 -100
Medicare Part B yearly deductible
  • $100 per year
  • Cost of the first 3 pints
Medicare Part B covered services
  • 20% of Medicare-approved amount for most covered services
  • 50% of the Medicare-approved amount for outpatient mental health treatment*
  • Copayment for outpatient hospital services
*All Medigap policies must pay 50% coinsurance for outpatient mental health treatment services.

There are ten standardized Medigap plans called "A" through "J." The front of a Medigap policy must clearly identify it as "Medicare Supplement Insurance." Each plan A through J has a different set of benefits. Plan A covers only the basic (core) benefits. These basic benefits are included in all the Plans A through J. Plan J offers the most benefits.

If you live in Massachusetts, Minnesota, or Wisconsin, different types of standardized Medigap plans are sold in your state.