Medicare in Wisconsin.

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Medigap in Wisconsin
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 also allowed to offer these 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

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