Medigap Plan K – What You Need To Know

People refer to Medigap Plan K by these other names: Medicare Plan K, Medicare Part K, Part K and Plan K.   If you hear others mention these words, they are referring to Medigap Plan K.

If you are not a resident of Idaho (or planning on moving to Idaho in the near future) be aware that all Medigap policies must follow Federal and state laws that protect people with Medicare.

Call your State Health Insurance Assistance Program (SHIP) or your State Insurance Department for more information; ask how your state may have implemented laws affecting Medigap plans.

Minnesota, Massachusetts, and Wisconsin are waiver states. This means they:

• Provide different kinds of Medigap policies NOT labeled with letters
• Provide comparable benefits to standardized plans
• Have a different system that includes basic (“core”) and optional (“rider”) benefits

Medigap Plan K is NOT on our recommended list of Medigap plans for Idaho residents.

Why?  Because:

the plan has limited Idaho and National enrollment (although this is growing) and we feel there are better choices for people wanting a Medigap plan.  Medigap Plan G, and Plan N are on our Medigap plan recommended list (Plan A, B, D in select situations) are more than suitable alternatives for Medigap Plan K.