Medicare Supplement (Medigap) Insurance Policies
Plans that help pay some out-of-pocket costs that Original Medicare doesn't.
Save with HealthSpring1: Up to 25% in discounts available when you apply with us.
Shop and get quotes for Medicare Supplement policies
Save up to 25%: 20% in premiums, plus 5% if you apply online.
Or, call us at:
8 a.m. - 11 p.m. ET, 7 days a week
Why choose a Medicare Supplement Insurance Plan?
Pays what Medicare doesn't
Plans that help pay deductibles, copays, and coinsurance.
No networks
Choose any doctor or hospital that accepts Medicare, no referrals required in most cases.2
Freedom to travel
Know you’re covered anywhere in the U.S. and, with some plans, for medical emergencies abroad.3
Guaranteed renewable for life
Feel secure knowing your policy cannot be canceled.4
Medicare Supplement Plan Options
You could save up to 25% with HealthSpring including a premium discount of up to 20% plus an additional 5% if you apply online.
View all Medicare Supplement Plans in a side-by-side comparison. Compare all plans
Plan G
Extensive coverage, competitive premiums
You pay the Medicare Part B annual deductible
Good fit if you prefer a lower premium and can pay the Part B deductible
High Deductible Plan G
Lowest monthly premiums
Extensive coverage (same coverage as Plan G)
Coverage kicks in after you pay the calendar year deductible
Plan N
Lower monthly premiums, predictable out-of-pocket costs
You pay up to $20 copays for doctor’s visits (up to $50 for ER visits)
Good fit if you prefer to pay a lower premium vs. covered out-of-pocket costs
Plan A
Additional coverage for costs not covered by Original Medicare
You pay the Part A (Hospital) and Part B (Medical) deductibles
Good fit if you need a little extra cost protection, beyond Original Medicare
Plan F*
Extensive coverage and the lowest out-of-pocket costs of all plans
Plan pays the Part B (Medical) calendar year deductible
Good fit if you expect higher health care expenses
High Deductible Plan F*
Same coverage as Plan F but you pay the calendar year deductible
Lower monthly premiums than most other plans
Good fit if you expect lower health care expenses
Compare plans side-by-side
There are costs and coverage for all lifestyles and needs.
* Plans only available if you first become eligible for Medicare before January 1, 2020 (which means your 65th birthday occurred before January 1, 2020). Or you have qualified for Medicare due to disability before January 1, 2020.
Why choose HealthSpring for Medicare Supplement?
Competitive rates
Enjoy competitive premiums without compromising your coverage. In some states premium discounts** of up to 25% may be available for some applicants.
Dependable service
We are dedicated to helping people improve their health, well-being, and sense of security.
Programs and services at no additional cost5
Healthy Rewards® offers discounts on health and wellness programs and our Health Information Line gives you 24/7 phone access to a health advocate.6
24/7 Access to Your Plan
myHealthSpring gives you one-stop access to your coverage, premium payments, ID cards, and more. Help and support is available 24/7/365.
When are you eligible for a Medicare Supplement policy?
If you're 65 or older and enrolled in a Medicare Part B plan you can enroll at any time.
During your 6-month open enrollment, which begins the first day of the month after you turn 65 and are enrolled in Part B. During this time you cannot be turned down for coverage.
In some states, if you're younger than 65 and qualify for Medicare due to a disability, you may also be eligible.
Go from questions to confidence with HealthSpring. Visit Understanding Medicare to learn more about:
Are you a member looking for more information?
View Medicare Supplement state disclosures, exclusions, and limitations
** State variations apply. Discount not available in HI and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
1 Insured by American Retirement Life Insurance Company, HealthSpring Insurance Company, HealthSpring National Health Insurance Company, Loyal American Life Insurance Company or Medco Containment Life Insurance Company. In Kansas, insured by HealthSpring Insurance Company and HealthSpring National Health Insurance Company. American Retirement Life Insurance Company and Medco Containment Life Insurance Company are not available to residents of Kansas and Kentucky. In Illinois, Maryland, New Mexico and Utah, insured by HealthSpring National Health Insurance Company domiciled in Ohio. In North Carolina, Ohio and Pennsylvania, insured by HealthSpring Insurance Company. In Idaho, insured by Medco Containment Life Insurance Company.
In some states, HealthSpring Insurance Company is also known as Cigna Insurance Company and HealthSpring National Health Insurance Company is also known as Cigna National Health Insurance Company. Both companies are in the process of obtaining state approvals to change their names by removing “Cigna” from the name and replacing it with “HealthSpring”.
2 In some cases, a referral is required by Medicare. Choose any doctors who accept Medicare.
3 Foreign Travel Emergency. Plans that include this benefit cover 80% of medically necessary emergency care received outside of the U.S., which began during the first 60 days of each trip, after you pay a $250 deductible per calendar year, not to exceed the lifetime maximum of $50,000.
4 Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance. The company reserves the right to increase premiums on a class basis.
5 These programs are NOT insurance nor benefits and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.
6 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.
View Kansas disclosures, exclusions, and limitations
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement insurance plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Texas (ESRD/ALS), Vermont and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: HIC-MS-AA-A-TN; Plan F: HIC-MS-AA-F-TN; Plan G: HIC-MS-AA-G-TN; Plan HDG: HIC-MS-AA-HDG-TN; Plan N: HIC-MS-AA-N-TN.
Learn More
Online Enrollment Discount
State variations apply. Discount not available in CT, DC, FL, MA, NJ, NY, OH, OR, and VT. To qualify for the online discount, you must be a new Medicare Supplement policy holder with HealthSpring*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at HealthSpring.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by HealthSpring. If you qualify, the 5% discount will remain in effect for the life of the policy. For residents of North Dakota, by applying online you save approximately 5%.
Premium Discount
State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
*Insured by American Retirement Life Insurance Company, HealthSpring Insurance Company, HealthSpring National Health Insurance Company, Loyal American Life Insurance Company and Medco Containment Life Insurance Company.
Shop and Compare Plans
Medicare Supplement Plans in Minnesota
The following Medicare Supplement Insurance plans are available in the state of Minnesota:
Medicare Supplement Plan Coverage
| | Basic Plan | Extended Basic Plan*** | High Deductible Coverage Plan** | $20/$50 Copayment Plan | Extended Basic Plan 2020**** |
|---|---|---|---|---|---|
| Inpatient Hospital Care: Covers the Medicare Part A Coinsurance (after the Part A deductible) | | | | 100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER | |
| Medical Costs: Covers the Medicare Part B Coinsurance (after the Part B Deductible) | | | | 100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER | |
| Blood: Covers the first three pints of blood each year | | | | 100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER | |
| Hospice: Covers Part A Coinsurance | | | | 100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER | |
| Home Health Care and Medical Supplies: Covers Medicare Part A or B cost sharing (after the Part B deductible) | | | | 100% Part B Coinsurance, except up to $20 copayment for office visit and up to $50 for ER | |
| Medicare Part A Deductible | * | | | | |
| Medicare Part A: Skilled Nursing Facility Coinsurance (limited to 100 days) | | | | | |
| Medicare Part B Deductible (Only available if eligible for Medicare prior to 2020) | * | | |||
| Medicare Part B Excess Charges (100%) | * | | | ||
| Preventive Medical Care Benefit (Not covered by Medicare)***** | * | | | ||
| Foreign Travel Emergency | Pays 80% | Pays 80% | Pays 100% | Pays 80% | Pays 80% |
| Coverage while in a Foreign Country | Pays 80% | Pays 80% | |||
| State-mandated benefits Some examples are: Diabetic Equipment and Supplies, Routine Cancer Screening, Reconstructive Surgery, and Immunizations | | | | | |
| Additional Benefits (Not Covered by Medicare) | Pays 80% | Pays 80% |
*Indicated an Optional Benefit Rider is available for an additional premium.
**Benefits from the High-Deductible Coverage Plan will not begin until out-of-pocket expenses exceed $2,700. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductible for Part A.
***100% of additional covered expenses after you spend $1,000 of out-of-pocket costs for a Calendar Year. Coverage for the Part B Deductible is available only if you are first eligible for Medicare before January 1, 2020.
****100% of additional covered expenses after you spend $1,000 of out-of-pocket-costs for the Calendar Year. The Extended Basic Plan 2020 does not provide coverage for the Medicare Part B Deductible and is available to all applicants who are first eligible for Medicare on or after January 1, 2020. The Extended Basic Plan that provides coverage for the Medicare Part B Deductible is available only if you are first eligible for Medicare before January 1, 2020.
*****Annual physical and preventive tests and services administered or ordered by a Physician when not covered by Medicare. Up to $120 each Calendar Year for routine annual medical exam including diagnostic X-rays and laboratory services.
MS-SITE-FindPlan2020-MN
948131 09/20