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If you live in Wisconsin

You have guaranteed issue rights to buy a Medigap policy, but the policies are different.

Basic benefits

  • 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

Medigap plan

Basic 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
  • 40 home health care visits in addition to those paid for by Medicare
  • State mandated benefits

Important plan information

Plans known as "50% and 25% Cost-sharing Plans" are available. These plans are similar to standardized Plans K (50%) and L (25%). A high-deductible plan ($2,000) is also available.

Insurance companies are allowed to offer the following additional riders to a Medigap policy:

  • Part A deductible
  • Additional home health care (365 visits including those paid by Medicare)
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • 50% Part A deductible
  • Part B copayment or coinsurance