Medicare changes are coming in 2019.

There are an estimated 370,000 Minnesotans who have a Medicare Cost plan and they need to replace it for 2019. They will need to convert to a new plan this upcoming AEP (annual enrollment period) between Oct. 15th and Dec. 7th.

If you have received a letter from your current Insurance company saying your COST Plan is going away, this change will affect you.

Good news! Throughout the country Medicare Supplement plans (Medigap) and MA-PD (Medicare Advantage plans with Prescription Drug coverage included) plans have been very effective forms of health insurance coverage. Whether someone currently in a COST Plan should choose the Supplement + a separate PDP (Prescription Drug Plan) or MA-PD depends on many variables.

Which company and which plan one chooses can also be daunting. This is where a local independent insurance agent/ broker can help you - at no charge to you.

A local independent Medicare insurance agent can listen to your specific situation and the agent can explain the coverage’s available to you and guide you through the decision making process. They can help you enroll, and be your third party advocate if there is ever a billing dispute or other problem down the road. By choosing a local specialist you will have someone who will be there to service the policy in the future too!.

If you or someone you know has received a letter regarding the COST Plan transition and has questions, please feel free to contact our office at 320-654-6100 or email

Current COST Plan members coverage is good through the end of 2018