Minnesota Medigap Regulations

Depending on the state that you have your Medigap (Medicare Supplement Insurance) in there may be guidelines for your insurer to follow.  These guidelines that are set forth by the state are set so that you are protected in situations where the state may feel Medicare falls short.  There are a few that are different in Minnesota from any other state that you should be aware of.

1.            Medical costs are covered past the Medicare Part B coinsurance amount which is generally 20% of the Medicare approved amount.

2.            The first three pints of blood that you may need for yourself will be covered by your Medigap policy.  When you have medical emergencies this is a nice coverage to have to avoid unexpected hospital bills.

3.            Medicare Part A coinsurance that deals with inpatient hospital care will be covered by your Medigap policy.  This could save a good deal of money when it comes to having minor procedures performed.

4.            Also, Part A Hospice and respite cost sharing is available along with cost sharing for Medicare Parts A and B home health services and supplies.  This can be a huge help to you when you may need it.

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