There are 205,982 people in Madison, Wisconsin, enrolled in a Medicare plan. Only 34.44% of those beneficiaries have supplemental coverage from a Medicare Advantage plan.

Madison, Wisconsin Supplemental Medicare Plans

A Supplemental Medicare plan benefits Part A and Part B coverage. These plans will help pay for the additional costs that a regular Medicare plan won’t cover.

The following quotes for the supplemental Medicare plans are for a 70-year-old female living in Madison, Wisconsin.

Cheapest Medicare Advantage Plans in Madison, Wisconsin

A total of 70,936 people in Madison, WI, benefit from Medicare Advantage plan coverage. There are 34 different plans available to residents of Dane County.

Humana is one of the plans available in Madison. It has a $0 monthly premium and a four-star quality rating and is a local PPO with a maximum out-of-pocket (MOOP) cost of $5,900.

Another available plan in the area is Dean Advantage. This one is an HMO plan, and it has a five-star quality rating from Medicare. The MOOP of this plan is higher at $6,500, and it has no monthly premium.

Quartz Medicare, an HMO plan, is also available in the area. It has a much lower MOOP of $4,900. This plan also has a five-star rating and a $0 monthly premium.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $5,900 LOCAL PPO 4
UnitedHealthcare $0 $6,700 LOCAL PPO 5
Dean Advantage $0 $6,500 HMO 5
Security Health $0 $5,000 HMO-POS 4
Quartz Medicare $0 $4,900 HMO 5

Average Medicare Supplement Plans in Madison, WI

Private companies sell Medigap plans to Medicare beneficiaries in Madison, Wisconsin. Because Medicare doesn’t pay for all health care expenses, Medigap plans cover the remaining costs. The premiums of Medigap plans vary throughout the U.S., but the benefits of these plans don’t.

The Wisconsin Basic plan has all the essential benefits. It adds a limited number of days of mental health coverage and extra home health care visits to the standard Medicare plan. The premiums fall anywhere between $98.29 and $309.47.

Another plan is the Wisconsin 50% plan. This cost-sharing plan is similar to Medigap’s Plan K because it covers 50% of the Part A deductible and Part B copay. Other riders are available for this plan, covering Part B expenses or the Part B deductible.

There is also a Wisconsin High Deductible plan. This plan has all the same features as the other 50% plan. The only difference is that it has a much higher deductible of $2,340.

PLAN LOWEST PREMIUM HIGHEST PREMIUM
WISCONSIN 50% $98.33 $104.63
WISCONSIN 75% $132.58 $132.88
WISCONSIN BASE $98.29 $309.47
WISCONSIN HDED $56.98 $79.06

Affordable Medicare Part D in Madison, Wisconsin

Not all Medicare Advantage plans cover prescriptions, so many beneficiaries choose a Medicare Part D plan. These plans cover medications that Medicare beneficiaries need.

One of the Medicare Part D plans available in Madison, Wisconsin, is Wellcare. It has a monthly premium of $9.80 and a deductible of $480. Medicare rates this plan three out of five stars.

Aetna is another available plan in Wisconsin. The premium for this plan is slightly lower at only $6.60 per month. The deductible for this plan is also $480, and it also has a three-star rating.

UnitedHealthcare is a prevalent option across the nation. It has a much higher rating of four stars and a low deductible of $310. The monthly premium is significantly higher at $25.20.

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

Medicare Special Needs Plans in Madison, WI

Medicare Special Needs Plans (SNPs) in Madison, Wisconsin, constitute a subset of Medicare Advantage plans. They help people with chronic disabilities and special needs, though they aren’t available in all areas.

My Choice is available in Madison. This option has a high MOOP of $7,550 and a $0 monthly premium. This HMO plan is open to anyone eligible for both Medicare and Medicaid.

iCare is another Medicare SNP available to Madison residents. It has a significantly lower MOOP of $3,450 and a $0monthly premium. iCare is an HMO and has dual eligibility.

UnitedHealthcare is available in the area. It also has a monthly premium of $14. It is a Local PPO plan with a MOOP of $5,900. This plan is only available to those with chronic or disabling conditions.

PLAN PREMIUM MOOP Plan Type Eligibility
My Choice $0 $7,550 HMO Dual
iCare $0 $3,450 HMO Dual
Wellcare $0 $3,450 HMO Dual
UnitedHealthcare $14.00 $5,900 LOCAL PPO Chronic or Disabling
Humana $24.40 $1,600 HMO Institutional

FAQs

What is the most popular Medicare Advantage plan in Madison, WI?

The most popular Medicare Advantage plan in Madison, Wisconsin, is the AARP/UnitedHealthcare plan. It has a wide range of plans and benefits to fit any need or budget.

How much does a Medigap policy cost in Madison, WI?

Medigap has a monthly premium that Medicare doesn’t cover. For a man or woman over 65 who doesn’t smoke, the premiums of these plans range from $82 to $348.

What are the Medicare Part B excess charges in the Madison, WI, area?

Most doctors in the U.S. accept Medicare and only charge what Medicare determines is a fair price. However, some doctors charge more than that for their services—the differences in their bills and what Medicare covers are Part B excess charges.

What is the best Medicare Advantage plan in Madison, WI?

Several popular plans are available here that also are all over the nation. However, the best plans offered in Wisconsin are the Health Quartz Medicare plans.

Can you have Medicare Advantage and Medigap at the same time in Madison?

Yes. Medicare Advantage and Medigap plans are sold separately and cover different things.

How To Sign Up for Supplemental Medicare in Madison, Wisconsin

We understand that making the decision to sign up for supplemental Medicare coverage can be difficult. That’s why our team of experts is here to help you every step of the way.

Our agents work with the best carriers in Wisconsin so that you can find a plan that matches your medical expense coverage needs and budget. Plus, our professionals offer accurate plan detail explanations and can walk you through the signup process.

So what are you waiting for? Call us today, or fill out our online rate form to receive the best rates in Madison, Wisconsin.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.