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.

To help people in Racine, WI, understand the benefits of Medicare Advantage plans, we will describe some available options.

Racine, Wisconsin Supplemental Medicare Plans

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 applying for a Supplemental Medicare plan.

Average Medicare Advantage Plans in Racine, WI

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 is 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 is an HMO plan with a $0 monthly premium. It has a MOOP of $4,400.

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

Affordable Medicare Supplement Plans in Racine, WI

Original Medicare in Racine, Wisconsin, doesn’t cover all of 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 Wisconsin 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 in that 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 Plan, 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.

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

Cheapest Medicare Part D in Racine, WI

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 is 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.

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 Racine, WI

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 is 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.

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

FAQs

What are the four parts of Medicare in Racine, WI?

Part A covers hospital care while Part B covers services from physicians. Medicare Advantage (Part C) is supplemental and covers excess costs from Part A & B. Part D is prescription drug coverage.

Can Medigap premiums be deducted from Social Security in Racine, WI?

Yes! If you sign up for Social Security and Medicare, the Part B premium is deducted automatically from your monthly allowance.

What are the four types of Medicare Advantage plans in Racine, WI?

There are four major types of Medicare Advantage plans in Racine, Wisconsin. Each type is structured differently and offered by different, Medicare-approved companies. Other plans exist, but these four are very common across the US. Medicare explains them in more detail.

Do patients pay for Medicare Part B in Racine, WI?

Yes. There is a monthly premium for Part B coverage that all beneficiaries must pay.

Is Plan G available in Racine, WI?

Technically, no. Wisconsin does not follow the usual lettered plans that the rest of the US does. However, the plans offered have benefits similar to these plans and are often better.

How to Sign Up for Supplemental Medicare 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!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.