Medicare Supplement Plans by State
Medicare coverage does not vary from one state to another. This program is for all Americans seniors who are 65 years and older.
Medicare coverage is not underwritten by private institutions, a reason for its uniformity from state to state.
Regardless of the state in which you are residing in currently, it is your right to enroll for the coverage at any time.
You can still enroll even if you aren't the age of 65, and receive the benefits once you turn 65 (the legally accepted age) for Medicare benefits.
Enrolling for the Medicare coverage program will help you avoid unnecessary penalties for late enrollment. Moreover, early enrollment will help you cut higher costs.
What varies from one state to another is Medicare Supplement Plans.
Different states have different policies which guide Medicare supplement gaps.
The variance results in different Medicare advantages especially on medical services or benefits to the seniors.
Can I use my Medicare in Another State?
Yes, you can use your Medicare coverage in other states.
Medicare is covered from one state to another. Medicare is a medical plan offered by the federal government. Therefore, regardless of which state you will be residing, you can enjoy Medicare benefits in another state.
The only thing which you will not use in another state is your Medicare Supplement Plan. Medicare Supplement Plans are underwritten differently from one state to another.
The reason for different underwriting is that they are offered by private companies which offer varied insurance policies. You will need to be aware of your Medicare Supplement Plan underwriter policies before using it in another state.
Medicare Plan Coverage Chart
|Part A Hospital Co-Insurance||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Hospital Reserve Days||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Benefit For Blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part B Coinsurance||✓||✓||✓||✓||✓||✓||50%||75%||✓||*Co-Pays|
|Skilled Nursing Facility||✖||✖||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A Deductible||✖||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Part B Deductible||✖||✖||✓||✖||✓||✖||✖||✖||✖||✖|
|Part B Excess Charges||✖||✖||✖||✖||✓||✓||✖||✖||✖||✖|
|Foreign Travel Benefit||✖||✖||✓||✓||✓||✓||✖||✓||✓||✓|
|Preventive Care Coinsurance||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Out of Pocket Limit||None||None||None||None||None||None||$4,620||$2,310||None||None|