What is Medicare select?
Medicare select is a type of Medigap policy that is permitted to be sold in Wisconsin. Medicare select policies, which may be offered by insurance companies and health maintenance organizations (HMOs), must meet all the requirements that apply to a Medigap policy. The only difference between a Medicare select policy and a standard Medigap insurance policy is that a Medicare select policy will require you to use doctors and hospitals within its network in order for you to be eligible for full benefits. Medicare, however, will still pay its share of approved charges if the services you receive outside the network are services covered by Medicare. Because of this limitation, a Medicare select policy will usually cost less than a regular Medigap policy. Q. If I switch from health insurance provided by my or my spouse’s current or former employer or union to a Medicare health plan, can I switch back to the employer/union insurance if I disenroll from the Medicare health plan? If you or your
