Is Your Medigap Policy Legal?

While Medigap policies are not actually sold or managed by the Federal government they are standardized by them and packaged in different forms. Once your state gets a hold of the mandates the Federal government has put forward it is possible that some of the requirements are different. It is illegal for an insurer to offer a Medigap policy that has coverage that is not allowed in that state. Here are some of the standardized policy rules for three different Medigap states, Massachusetts, Minnesota and Wisconsin.

Massachusetts: • Inpatient Hospital Care: Covers the Medicare Part A coinsurance plus
coverage for 365 additional days after Medicare coverage ends
• Medical Costs: Covers the Medicare Part B coinsurance (generally 20% of the Medicare?approved amount)
• Blood: Covers the first 3 pints of blood each year
• Part A hospice coinsurance or copayment

Minnesota: • Inpatient Hospital Care: Covers the Medicare Part A coinsurance
• Medical Costs: Covers the Medicare Part B coinsurance (generally 20% of the Medicare-approved amount)
• Blood: Covers the first 3 pints of blood each year
• Part A hospice and respite cost sharing
• Parts A and B home health services and supplies cost sharing

Wisconsin: • Inpatient Hospital Care: Covers the Part A coinsurance
• Medical Costs: Covers the Part B coinsurance (generally 20% of the
Medicare-approved amount)
• Blood: Covers the first 3 pints of blood each year
• Part A Hospice coinsurance or copayment