State Laws for Medigap Plans

All supplemental plans must abide by federal and state laws that restrict how the plans may operate. Many states have adopted additional rules for Medigap Plans beyond what the federal laws dictate. Because of this all Medigap Plans operate a bit differently state to state.

State Laws For Medicare Can Help You

For example, the federal law states that an individual must sign up for Medigap insurance within 6 months of enrolling in Plan B and being 65 or older. Some states have looked at this limitation as being too strict and have therefore increased the time limit on enrollment.

Moreover, the federal law does not require a Medigap company to offer coverage to permanently disabled people. However, many states do require that this coverage is available to the citizens that live in their state. States also dictate which ratings systems the Medigap companies can use beyond the federal law.

The Three Waiver States

Three states are called "waiver states." These are Minnesota, Massachusetts and Wisconsin. These three states have adopted non-standardized health care and regulate their Medicare plans differently than other states.

Auntie Lou says, "These three states just had to be Special, if you live in one of them you can mostly skip this section."

To find out what the regulations are for your particular state call your state Medicaid office or the State Health Insurance Assistance Program (SHIP) you can get their phone number by looking online or by calling 1-800-MEDICARE (1-800-633-4227) TTY users can call 1-877-486-2048.

The important thing to remember about state eligibility requirements is that they may be different state to state. When leaving one state and moving to another inquire about their Medicare plans, rules and regulations as soon as possible. You will likely have to switch your Medigap Plan and this can take some advanced research.