Medicare Supplement Plans in Wisconsin

Medicare Supplement Plans in Wisconsin are different from those in other states. Medicare Supplement plans in Wisconsin start with a basic plan; you can add additional riders to enhance your plan.

This differs from Medicare Supplement insurance in other states, which is sold by private insurance companies designated by a letter: Plan F, Plan G, Plan N, for example. However, the purpose of all these plans is the same – to save on out-of-pocket Medicare costs, such as deductibles, coinsurance, and copays.

After the federal government pays its share for your Medicare coverage, your Medicare Supplement plan or Medigap plan takes care of the rest, depending on your selected plan.

Medicare Supplement Plan options in Wisconsin

For the most coverage, equivalent to a Plan G, consider the basic plan and add these riders: 

  • Medicare Part A deductible
  • Medicare Part B excess charges
  • Additional home health care (365 visits, including those paid by Medicare)
  • Foreign travel emergency

Add a prescription drug plan (Medicare Part D) for additional coverage. Talk to your licensed insurance agent at Policy Guide to build the best coverage options for you.

Medicare Supplement with Basic Benefits

  • 30 days of skilled nursing care in a skilled nursing facility
  • Kidney disease costs
  • Diabetes services and equipment
  • Chiropractic care
  • Hospital and ambulatory surgery center charges and anesthetics for dental care
  • Breast reconstruction
  • Colorectal cancer screening
  • Coverage of certain health care costs in cancer clinical trials
  • Catastrophic prescription drugs

You can save money through these Medicare SELECT cost-sharing supplement plans in Wisconsin. These plans require you to pay a portion of the costs for Medicare-covered services until you reach an out-of-pocket limit.

  • Fifty percent Cost-Sharing Plan: This plan is similar to the national standardized Plan K. Medicare beneficiaries cost-share some of the Part A and Part B costs. For 2021, the out-of-pocket limit for 50 percent cost-sharing plans is $6,220.
  • Twenty-five percent Cost-Sharing Plan: This plan is similar to the national standardized Plan L. Medicare beneficiaries cost-share some of the Part A and Part B costs. For 2021, the out-of-pocket limit for 25 percent cost-sharing plans is $3,110

For another coverage option in Wisconsin, Medicare beneficiaries may want to purchase a high-deductible plan. High-deductible Medicare Supplement plans kick in to help with copays and other expenses after you have paid a deductible of $2,370 for 2021.

Basic Extended Medicare Supplement Plan in Wisconsin

The basic plan without cost-sharing would be Wisconsin’s most comprehensive Medicare Supplement plan. You can add riders to make the plan equivalent to the Plan G, which is the most robust plan for those who became eligible for Medicare on Jan. 1, 2020, or later.

  • Medicare Part A deductible
  • Medicare Part B excess charges
  • Additional home health care (365 visits, including those paid by Medicare)
  • Foreign travel emergency

You will also want to purchase a Part D prescription drug plan.

Medigap Plan rider options in Wisconsin

You can purchase additional coverage beyond your basic Medigap plan in Wisconsin by purchasing any of these riders to reduce out-of-pocket costs.

  • Medicare Part A deductible
  • Medicare 50 percent Part A deductible
  • Additional home health care (365 visits, including those paid by Medicare)
  • Medicare Part B deductible (if you were eligible for Medicare before Jan. 1, 2020)
  • Medicare Part B copayment or coinsurance
  • Medicare Part B excess charges
  • Foreign travel emergency

We also recommend you purchase a Medicare prescription drug plan. Prescription drugs are not covered under Original Medicare or these riders.

What does Original Medicare cover?

  • Medicare Part A: Inpatient hospital care, skilled nursing facility care, hospice care, and some home health care
  • Medicare Part B: Outpatient doctors’ services, outpatient care, medical supplies, and preventive services.

Medicare Supplement plans do not cover prescription drugs. Therefore, you must purchase a separate prescription drug plan (Medicare Part D) along with your Medigap policy.

Our licensed insurance agents at Policy Guide look forward to answering your questions about Medigap plans in Wisconsin so we can find the best health plan for you.

Medicare Supplement Insurance Cost in Wisconsin

For a female who is 65 years old and a nonsmoker living in the 53215 zip code in Milwaukee, Wisconsin.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

Wisconsin Medigap FAQ:

How much does Medicare cost in Wisconsin?

Medicare costs in Wisconsin vary widely depending on the type of Medicare Supplemental insurance plan you choose, the insurance company, and where you live.

For a female who is 65 years old and a nonsmoker living in the 53215 zip code in Milwaukee, Wisconsin, the average monthly premium cost for a Medicare Supplement insurance plan is $148.29 with a range of $59.68-$204.62.

Of note, because of a change in federal Medicare laws, Medicare Supplement plans sold to people whose eligibility for Medicare began on Jan. 1, 2020, or later cannot cover Part B deductible. As a result, the Part B Deductible rider won’t be available to you. The Part B deductible is $203.

How do I apply for Medicare in Wisconsin?

As with other states, you must be enrolled in Original Medicare, Part A, and Part B to be eligible for Medigap insurance in Wisconsin.

Then, you can purchase a Medicare Supplement Insurance plan or Medicare SELECT plan for six months beginning with the date you enroll in Medicare Part B. This six-month period is called the open enrollment period.

Remember to purchase your plan during this time frame because you will have guaranteed issue rights. During this time, insurance companies cannot deny you a policy or charge more based on your health status, claims experience, or medical condition.

If you are under age 65 and enrolled in Medicare due to disability or end-stage renal disease, you are entitled to another six-month open enrollment period when you turn 65.

Do Wisconsin Medigap plans cover foreign emergency travel?

No. Foreign emergency travel would be covered under a rider you could purchase for your Medigap plan in Wisconsin.

How is Wisconsin different than other states for Medicare Supplement plans?

Wisconsin doesn’t offer the ten standards letter plans that most states offer, such as Part F, Part G, and Part N. However, it offers many of the same benefits under its basic plan and riders.

Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as AetnaCigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Key Take Aways

  • Wisconsin has mandated benefits on top of the basic benefits.
  • The average cost for a Medigap Plan in WI is $148.29, with a range of $59.68-$204.62.
  • With a basic Medigap Plan in Wisconsin, you don’t have to stay within a network.