Medicare Supplements in Wisconsin
For seniors in Wisconsin finding the right Medicare supplement for your needs starts with the individual policies which are available. In addition Medicare supplement policies also called Medigap coverage that acts as supplemental insurance in case you need more coverage.
The supplement policies to Medicare for Wisconsin residents cover the 20% of what Medicare does not pay in terms of approved charges. The advantage of having a supplement starts with how they do not interfere with your ability to receive services from your doctor although you may have to submit a claim to the insurance company if you want to receive payment.
Medicare Supplement Policies
Depending on the insurance company that offers the Medicare supplement, your benefits start after paying up to 50% of the cost sharing which is up to $2,480 or $4,960 in terms of out of pocket expenses during a single calendar year. Remember, the out of pocket expenses are updated every year, so keep track of them. In addition, there are insurance companies that offer a higher deductable for the supplement plan you carry which includes Medicare Part A and B, but does not include the emergency deductible for foreign travel of $250.
Medigap Coverage
Some of the Medigap coverage that you purchase separately offers the following benefits for your needs.
- Co-payment 61st to 90th Hospitalization Day: $322 daily
- Co-payment 91st to 150th Hospitalization Day: $644 daily
- Co-payment 21st to 100 Skilled Nursing Care Day: $161 daily
- Inpatient Psychiatric Care: 175 days + Medicare’s 190 days for lifetime
- Home Health Care Visits: 40 + Medicare
- 1st Three Pints of Blood
You’ll also find that Medigap covers 20% of Part B for Medicare, offers coverage for non-Medicare services such as chiropractic care, charges for ambulatory surgery center, dental care and even breast reconstruction.
Mandatory Benefits
Under Wisconsin law, there are a number of Medicare supplement policies that you can enjoy, although in some cases Medicare may not cover the majority of expenses.
- Catastrophic Prescription Coverage
- Colorectal Cancer Screening
- Diabetes Treatment
- Home Health Care
- Kidney Disease
- Skilled Nursing Facility and More
These mandated benefits that include the aforementioned breast reconstruction, hospital and ambulatory care, health screenings, preventative care, immunizations, and even private duty nursing services can really make a difference when it comes to how Medical supplement policies in Wisconsin benefits you.
Optional Benefits
As part of a Medicare Supplement in Wisconsin, you may also choose riders for optional benefits that include the following:
- Deductible Part A: $1,288
- Deductible Part B: $166
- Additional Home Health Care: Up to 365 Visits Every Year
- Part B Excessive Charges: Up to Actual Charge or Limiting Charge, whichever is Less
- Foreign Travel Rider: Deductible Up to $250
By going over your Medicare Supplement Wisconsin program, you can find what you qualify for and the limitations of the coverage itself. This is very important as Medicare rules change every year and new items may fall under the coverage.