Are Medicare supplement plans different for each state? Pt 2

As a result of these factors, even if the benefits are the same for each type of plan, it is advisable to research if you are considering a Medicare supplement plan. The premium of Medicare supplement plan may differ depending on the locality, the type of plan you have purchased and the insurer. Always ask the insurer how they set their premiums, as this can affect how much you pay for your coverage, when you sign up, and how high your premium costs can be in the future.


Medicare supplement plans vary in some states: Minnesota, Massachusetts, or Wisconsin. If you live in Massachusetts, you can select between 2 options for the Medicare supplement plan: Core and Supplement 1.


If you live in Minnesota, you can choose between two options for the Medicare Supplementary Plan: Basic Plan and Basic Plan Extended. There are some insurance companies which sell optional drivers, which provide additional coverage for the main plan.


In Minnesota, there are also own versions of plans K, L, M, N and F with high deductible. If you live in Wisconsin, you can choose from several options for the Medicare supplement plan. One option is the basic plan that covers some basic benefits which include certain state benefits and additional coverage for inpatient mental health services. Also, Wisconsin offers 25% and 50% cost-sharing plans”. These are status versions of plans K and L, which are offered in other states.


Compare the benefits of the Medicare Supplement Plan

As mentioned, the same standardized services are offered in most states.


The Medicare Supplementary Plan F provides a version for high deductible whereby you pay for all the cost covered by Medicare until you attain a given deductible amount stipulated for the year. This amount can change from year to year.


Once you have reached the maximum (including Part B’s deductible), Medicare Supplementary Plans K and L will pay 100% of the benefits for the rest of the calendar year.


Plan N pays 100% of Part B co-insurance costs, except for about $ 20 for some office visits and about $ 50 for visits to emergency rooms that will not result in hospitalization.


Hopefully, you now have a better idea of what types of plans may be available in your state and ​​how Medicare Supplement coverage works. If you would like to know more about Medicare Supplementary Insurance at your location, I would be happy to have plan options that meet your needs.


Medicare Supplement insurance plans are unrelated to the US government or the Federal Medicare program. Find a plan at


There are many insurance companies that provide Medicare Advantage plans in various states; each of the plans are different. To have the authority to offer a Part D or Medicare Advantage or plan in any state, a carrier must apply for and obtain approval from the Medicare program.

The number of insurance firms that can provide plans in a given locality and the number of which is actually available to seniors, must be different.


The bottom line is it’s important and necessary to do research to make sure you have the right Medicare plan for your financial and medical needs.