subject: Medicare Supplement Plan In Massachusetts, Minnesota, And Wisconsin [print this page] Medigap policies must follow federal and state laws in order to protect you. Any insurance provider in your state that is licensed can sell you a standard policy that is identifiable by letter in most states. In general, all policies have the same benefits and there are also some that offer additional coverage.
In states such as Massachusetts, Minnesota, and Wisconsin, Medigap plans are standardized in a varied way. Every company also has the option to select which plan they would be offering. However, insurance companies that offer supplemental plans:
"are not required to offer every Medigap plan
"must offer Medigap Plan A aside from other policies
"must offer Plan F or C if they provide any plan
If you are living in Massachusetts, here are important things you need to know:
Basic benefits:
"Part A hospice coinsurance or copayment
"blood: covers first three pint of blood yearly
"20% of Part B coinsurance
"In patient hospital care: covers Part A coinsurance aside from the 365 additional days after Medicare coverage ends
Medicare Supplement Plan covers: basic benefits, 60 days per calendar per year of inpatient days in mental health hospitals and state-mandated benefits
They don"t cover: Part A skilled nursing facility coinsurance and inpatient hospital deductible, Part B deductible and foreign travel emergency
When you are living in Minnesota, here are things that differ from other states:
Basic Benefits:
"Medical costs: covers the Part B coinsurance (generally 20% of the Medicare-approved amount)
"Inpatient hospital care: covers the Part A coinsurance
"Part A hospice and respite care cost sharing
"Parts A and B home health services and supplies cost sharing
" Blood: covers the first 3 pints of blood each year
Medicare Supplement Insurance Plan covers: Basic benefits, Part A: skilled nursing facility (SNF), 80% of foreign travel emergency, coinsurance (provides 100 days of SNF care), Medicare-covered preventive care, 20% of physical therapy, State-mandated benefits and 50% of outpatient mental health.
If you are resident of Wisconsin, take note of the information:
Basic Benefits:
"Part A hospice coinsurance or copayment
"Inpatient hospital care: covers the Part A coinsurance
"Blood: covers the first 3 pints of blood each year
"Medical costs: covers the Part B coinsurance (generally 20% of the Medicare-approved amount)
Medigap Plan covers: Basic benefits, Part A: skilled nursing facility coinsurance, 175 days per lifetime in addition to Medicare's benefit of inpatient mental health coverage, State mandated benefits and 40 home health care visits in addition to those paid for by Medicare.
