Humana of Minnesota's Medigap Insurance for Seniors

Humana of Minnesota offers several Medicare supplemental insurance plans for senior residents of Minnesota. The company's online enrollment process for its Medigap plans is quick and convenient, and makes it easy to compare plans.

The best time to buy a Medigap policy with Humana of Minnesota, or any other Medicare supplemental insurance company, is during your 'open enrollment period'. This period is the first six months after you are age 65 or better AND enrolled in Medicare Part B. For example, if you are 66 years old, and you enroll in Part B, your open enrollment period will begin the first day that your Part B policy is effective.

During your Medigap open enrollment period, you have the right to select and purchase any Medicare supplemental insurance plan you choose. You also will not be subjected to medical underwriting to determine your coverage eligibility or policy premium.

Medigap policies are standardized, which means that policy benefits throughout Minnesota are identical, regardless of which private insurance company you choose. While Humana's website lists the benefits of their Medicare supplemental insurance plans for seniors in the traditional way -- with each policy marked by a letter, for example, Plan A, Plan C, Plan K, etc. - its general information pages do not explain the plans in a way that makes sense for Minnesota seniors.

Minnesota uses a different Medigap policy labeling system than most U.S. states, with two standard plan offerings: the Basic and Extended Basic plans. Some companies may add on additional supplements, but these "supplement to supplemental plans" must comply with strict federal regulations. In order to learn about the Humana plans available to Minnesota residents, you'll need to begin the process of enrolling in a Medicare supplemental insurance plan through Humana's website. Once you enter your Minnesota zip code, you'll find links to Medigap policy descriptions specifically for senior residents of Minnesota.