1. Medicare Supplement Plan in Massachusetts, Minnesota, and Wisconsin
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
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.