b'Associate News Plan B the federal government and same as Plan C various state governments. Medicaid Plan A +provides long-term medical and custodialPlan A of the Medigap plans sold by care coverage to low-income CoinsuranceTypes ofvarious insurance compa-individuals and families. & Hospital Plan D Medigap nies, most people shop for a Medigap plan based What are MedicarePrivate Insuranceon service and price Companies (which can vary widely). Supplement Plan F At WMI, were proud of our Plan N Medigap rates, and even more (aka Medigap) Plan M proud of the exceptional and personalized customer service Insurance Policies? we provide our insureds. We Plan L offer several Medigap plans, and I invite you to visit our website at Medigap policies are health Plan G www.wmimedigap.com or our Facebook insurance policiesthat are sold by a privatepage to see just how affordable our insurance company to supplement Original Medi- plans are.care coverage. These Medicare Supplement insurance Plan Kpolicies (several of which are offered by WMI) canWhat Medigaphelp pay the enrollees share or fill in the gaps of the costs of Medicare-covered services (e.g., coinsurance,Policies Doescopayments, or deductibles). In order to be eligible to purchase a Medigap plan, the applicant must beWMI Offer?enrolled in Medicare Part A and Part B. Insurance companies are prohibited from selling a Medigap plan to an individual who is on a Medicare Advantage planWMI offers Medigap Plans A, G and N (unless that individual is dropping the Advantage plan). in Arizona, Montana, Nevada, New Mexico and Although the Medigap naming conventions are similarUtah. In some states, WMI also offers Plan Cto the names of the various Medicare parts, the stan- and Plan F to individuals who were born before dardized Medigap plans and their alpha names (PlansJanuary 1, 1955.A-N) are totally different and should not be confused.How Can I LearnThe most basic Medigap plan (Plan A) covers the Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits areMore About Medicareused). It also covers Medicare Part B coinsurance or copayment costs, the first three pints of blood, and theand MedigapPart A hospice care coinsurance or copayment costs. The other Medigap plans all cover these same benefitsInsurance Policies?that are covered by Plan A (most at 100%), but add varying levels of coverage for other things like skilledIf you have questions about Medicare nursing facility care coinsurance, Medicare Part A deductible, Medicare Part B deductible, excess charges,and Medigap policies,I would invite you toIf you have questionsand foreign travel emergency. Medicare publishes acontact me at davidleo@wmimutual.com. You canabout this articleMedicare Supplement guide called Choosing a Me- also contact our office for your free copy of theor would like to discussdigap Policy: A Guide to Health Insurance for Peoplereferenced CMS publication or visit our websiteyour companys healthwith Medicare. You can access the 2023 version ofat wmimedigap.com. Since the ultimate Medicareinsurance progam, feel this publication at medicare.gov/publications/02110- authority is the federal government, you can find free to contact me at medigap-guide-health-insurance.pdf, but if you prefervaluable information at the Centers for Medicare (801) 263-8000 orholding a paper booklet rather than an electronic de- & Medicaid Services website at cms.gov. Finally,info@wmimutual.com. vice, you can contact our office for a free paper copy. if youre looking for a Medicare Part D prescrip-Federal law requires that all Medigap plans must betion drug plan, you can take advantage of the standardized. Since there is no difference in the benefitshelpful and user-friendly Medicare plan finder atSmedicare.gov/plan-compare.WPMA News / Fall 202357'