Across the United States, there are over 62 million Medicare plan beneficiaries. Medicare in Racine, Wisconsin, helps these people afford the care and treatment they need to live a happy, productive life in their advanced age.
We will describe some available options to help people in Racine, WI, understand the benefits of Medicare Advantage plans.
Medicare plans in Racine, Wisconsin
A supplemental Medicare plan will significantly enhance your Part A & B coverage. It supplements them, as the name suggests.
We based the following quotes on a 65-year-old woman living in Racine, Wisconsin, on Original Medicare applying for a supplemental plan.
Medicare Advantage plans
Medicare Advantage in Racine, Wisconsin, combines your Part A & B coverage and other coverage into a single plan. These plans help simplify your Medicare experience and give you extra benefits. There are 32 plans available to choose from in Racine County.
Humana is a popular plan across the United States. It’s a Local PPO plan with a maximum out-of-pocket cost (MOOP) of $5,900 and a monthly premium of $0. Medicare gave this plan 4-stars.
Molina Healthcare offers another plan in the area. It has a $0 monthly premium and a MOOP of $7,550. This HMO plan has a 3-star rating.
Quartz Medicare has the highest rating, with 5 stars. It’s an HMO plan with a $0 monthly premium. It has a MOOP of $4,400.
The average cost of Medicare Advantage plans in Racine, Wisconsin
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Quartz Medicare | $0 | $4,400 | HMO | 5 |
| Humana | $0 | $5,900 | LOCAL PPO | 4 |
| Anthem BCBS | $0 | $6,700 | LOCAL PPO | 4 |
| Aetna | $0 | $4,975 | LOCAL PPO | 4 |
| Molina Healthcare | $0 | $7,550 | HMO | 3 |
Medicare Supplement plans
Original Medicare in Racine, Wisconsin, doesn’t cover all your healthcare costs, but Medigap plans cover those extra expenses. Wisconsin arranges Medigap plans slightly differently than the rest of the nation, but all the benefits are the same or better.
The Racine, Wisconsin Medicare Supplement Basic plan offers state-mandated benefits and other fundamental Medicare benefits. It also adds 175 days of mental healthcare for the recipient’s lifetime—the monthly premiums for this plan range from $111.67 to $380.87.
The Wisconsin 50% Plan is similar to Medigap Plan K because it covers about 50% of most of the Part B expenses. Other riders are available for this plan, including coverage for the Part B deductible or excess charges. The premiums for this plan range from $93.40 to $93.70.
The Wisconsin HDED or high-deductible plan is similar to the Wisconsin 50% plan. The only difference between these two plans is the $2,340 deductible of the HDED Plan. The premiums for this plan are much lower, ranging from $65.23 to $88.71.
The average cost of Medicare Supplement plans in Racine, Wisconsin
| PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| WISCONSIN 50% | $93.40 | $93.70 |
| WISCONSIN 75% | $118.96 | $125.92 |
| WISCONSIN BASE | $111.67 | $380.87 |
| WISCONSIN HDED | $65.23 | $88.71 |
Medicare Part D prescription drug plans
Part D plans in Racine, Wisconsin, cover prescription drugs, which Medicare Advantage or Medigap plans may not cover. These plans are separate from Medicare Part A, Part B, or Advantage plans. They are helpful for people on a limited income who can’t afford expensive medications.
Clear Spring is one of the Part D plans available in the area. It has a monthly premium of $16.70 and a deductible of $480. Medicare gave it a lower rating of 2 stars.
WellCare has a higher 3-star rating. It’s one of the more popular plans in the country. The monthly premium for this plan is $9.80, and the deductible is $480.
Aetna is the cheapest plan in the area. It has the same $480 deductible as the others and a 3-star rating. The monthly premium is $6.60 for this plan.
The average cost of Medicare Part D plans in Racine, Wisconsin
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.60 | $480 | 3 |
| WellCare | $9.80 | $480 | 3 |
| Clear Spring | $16.70 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $25.20 | $310 | 4 |
Special Needs plans
In Racine, Wisconsin, Medicare offers a different type of plan called a Special Needs Plan (SNP). These plans are available to those with chronic conditions or disabilities.
Community Care is one SNP available in the area. It has a maximum out-of-pocket cost (MOOP) of $7,550 and is an HMO-type plan. Those qualified for both Medicare and Medicaid are eligible for this plan.
iCare is another plan available in the area. It has a $0 monthly premium and is an HMO plan. This plan has a lower MOOP of $3,450. It’s also open to dual-eligible persons.
WellCare is also a great SNP in the area. It also has a $0 monthly premium and a MOOP of $3,450. WellCare is a dual-eligible HMO plan.
The average cost of Medicare Special Needs plans in Racine, Wisconsin
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Community Care | $0 | $7,550 | HMO | Dual |
| Anthem BCBS | $0 | $7,550 | HMO | Dual |
| iCare | $0 | $3,450 | HMO | Dual |
| WellCare | $0 | $3,450 | HMO | Dual |
| My Choice | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Racine
In Racine, Wisconsin, signing up for supplemental Medicare plans is easy. Our agents are familiar with all major insurance carriers and work with you at no cost to you.
The licensed insurance agents compare various rates and deductibles to find the right plan for you. Call us today or fill out our form to get rates now!
