There are 10 different Medicare supplement plans that citizens of the United States can choose from, to supplement their basic, original Medicare Part A and B. These supplement plans are there to cover costs that the original Medicare Part won´t. The 10 different plans are divided by the letters A, B, C, D, F, G, K, L, M, N. They all have similarities and differences between them, based on which costs they cover and how much the plan premium costs. However, all these plans and the costs they cover are the same from state to state. What a plan A covers in New York, it will also cover in California. Out of the fifty states, three of them don´t follow this standardization and the Medicare Supplement plan there is standardized differently. The states affected are: Massachusetts, Minnesota and Wisconsin.
Basic knowledge you need to know about Medicare Plans in These Three States
The main difference of the standardization in these states, is that the Medicare options and what they cover are divided and set differently than in the other 47 states.
In Massachusetts, members can enroll to a basic plan of their choice and one additional, supplementary plan. You can either only have the basic plan or get the basic plan and one supplemental plan additionally. There are different kinds of basic plans and supplemental plans to choose from.
In Minnesota, it is divided similarly, into a basic plan and plans you can get supplementary, with a limit of up to 4 supplement plans you can add to your basic one.
In Wisconsin, the basic plan already has many benefits, that in other states would only be covered by a supplementary one. There are also cost-sharing plans available, with an out-of-pocket coverage of either 50% or 25%. In addition to these options, in Wisconsin you can also choose a high –deductible plan. It covers almost all expenses that Medicare part A and B cover and some supplement plans, after having paid a set amount for health care annually. This amount that would need to be paid out of one´s pocket first adds up to 2,070$ per year. As it covers, after reaching this limit, almost all other medical expenses, it is a good option for patients who require medical care throughout the year very frequently and know, that an amount of 2,070$ per year is still saving them tons on the long-run for the health care they are requiring.
In general, the biggest difference of these plans from the Medicare Part A and Part B, is that in these states the basic plan covers for expenses that on Medicare get covered by supplement plans, such as first three pints of blood, home health care visits (in Massachusetts up to 40 visits a year are covered by the basic plan), anesthetics for dental care and ambulatory surgeries. Some of these basic plans also include preventive measurements such as regular check-ups, immunizations and health screenings throughout the year.