Your Medicare options work differently than the standardized Medicare model if you live in Wisconsin. You start with a base plan and build your policy in an a la carte style for your plan benefits.

Medigap plans will help you avoid substantial out-of-pocket medical expenditures. Enrolling in one of these plans Guarantees predictable medical expenses.

When you’re transitioning into Medicare, picking the appropriate supplement for your specific condition is critical. We’ll show you how the Wisconsin plans work.

Wisconsin Medicare Supplement Plans

In Wisconsin, there are 299,998 Medigap plan beneficiaries, which is about 41.3% of all Medicare beneficiaries.

Medicare Supplement Coverage Chart in Wisconsin

Medigap plans usually have the same coverage from state to state because they’re standardized by the federal government. This applies in every state outside of Wisconsin, Minnesota, and Massachusetts. Your benefits will stay the same regardless of where you reside. Below we’ll show how the system in Wisconsin works.

In Wisconsin, you start with a basic plan and add riders for the coverages you would like. The basic plan is the starter point and is very similar to standard Plan A.

Basic Plan

  • Part A coinsurance which starts after 60 consecutive days of inpatient services
  • Skilled Nursing Facilities
  • Hospice
  • First 3 pints of blood
  • 40 additional home health care visits
  • Part B Coinsurance
  • Another 175 days of mental health care as an inpatient once the standard Medicare benefit has been exhausted

Everything starts with this basic plan, and from there, you can add riders to increase the coverage.

Additional Riders for the Basic Plan

  • Part A deductible (100% coverage)
  • Part A deductible (50% coverage)
  • Additional 365 days of home health care
  • Part B deductible (If eligible for Medicare before 1/1/2020)
  • Part B coinsurance
    • Adding the Part B coinsurance rider will add copays of up to $20 for a doctor visit and up to $50 for the emergency room.
  • Part B excess charges
  • Foreign travel emergency

Each rider has a cost that will either add or subtract from the base cost of the basic plan.

Medigap Costs in Wisconsin

The cost of Medigap insurance varies depending on a variety of circumstances. The health, age, and area you live in may all significantly impact your plan premiums.

Open enrollment for Medigap isn’t a yearly event, and it’s a one-time enrollment that applies only to the specific beneficiary. Enrolling during your one-time six-month Medigap open enrollment period, You’ll have access to any plan with any provider. This period will also allow you to skip medical underwriting.

Lowest Medicare Supplement Premiums in Wisconsin

The lowest cost Medigap plan in WI based on the most popular rider combinations are:

  • Base+Part A Deductible+Part B Excess Charges = $121
  • Part A Deductible+Base+Part B Deductible + Part B Excess Charges = $141
  • Base+Part A Deductible+Part B coinsurance + Part B Excess Charges = $82

Most Popular Medicare Supplement Plan Riders

Most beneficiaries in Wisconsin will add the following riders to their basic plan.

  • Part A deductible
  • The Part B deductible (if they qualify)
  • Part B excess charges

If the beneficiary is cost-conscious, they would also add the Part B coinsurance rider.

Top Medicare Supplement Carriers in Wisconsin

We’re using a 65-year-old woman in Wisconsin as our benchmark in the example below. Most carriers in the state utilize attained age rating schemes. The plans shown are the most popular options, and for simplicity, we will call them Options 1, 2, and 3:

  • 1 – Base+Part A Deductible+Part B Excess Charges
  • 2 – Base+Part A Deductible+Part B Deductible + Part B Excess Charges
  • 3 – Base+Part A Deductible+Part B coinsurance + Part B Excess Charges
Carriers Option 1 No. 2 No. 3
Accendo Insurance Company $121 $141 $82
BCBS Of Wi (Anthem) $134 $148 $98
Humana Insurance Company $138 $154 $121
United World Life Insurance Company $165 $181 $142
Globe Life And Accident Insurance Company $173 $190 N/A

What Medicare Supplement Plan in Wisconsin is Best for Me?

While everyone’s needs are different, it may be tough to determine which Medicare Supplement is ideal for you. Despite the fact that all Medigap carriers and plans provide the same coverage, some people may find one more suitable than others.

Some Medigap providers have improved customer service, faster claims payment, and other important features. It might be difficult to determine which carrier is appropriate for your requirements, but we’re here to help.

Another item to think about is your long-term medical care requirements. Family history may help us get a little closer to the mark.

It’s critical to be realistic about how well you expect your health will do because changing insurance companies in the future will rely on whether or not you can pass underwriting.

While the cost is important, you don’t want to pay too much for the same coverage. For the greatest experience, pick well-known and financially secure companies.

You should consider all of these variables when making your decision so that you can end up with a provider who will give outstanding customer service.

FAQs

Are Medicare Supplement plans expensive in Wisconsin?

Wisconsin’s Medigap plans are pretty affordable. The amount you pay in monthly premiums is dependent on what plan and additional riders you choose.

What’s the average cost for a Medicare Supplement Plan in Wisconsin?

The average cost of a Medicare Supplement plan in Wisconsin varies based on the riders you choose. The monthly premium can range anywhere between $111 to $163.

What’s the most popular Medigap plan in Wisconsin?

The most popular Medigap rider combinations usually consist of the Base Plan plus the Part A deductible rider and excess charges rider. Some beneficiaries will also add on the Part B deductible and coinsurance rider.

What is a 30-day mandate in Wisconsin?

Although it does have to be proven medically necessary, the 30-day mandate states that Wisconsin Medigap plans must cover 30 days in a skilled nursing facility with no hospitalization needed beforehand.

How to Get Help Signing Up for Medigap in Wisconsin

If you’re looking for Medicare Supplemental plans in the state of Wisconsin, we can absolutely help with that! Medigap.com works with a comprehensive list of insurance companies offering Medigap. We pride ourselves on making the process quick and easy to compare and even help guide you through the enrollment process.

Our licensed insurance agents can assist you during this process, and time on the phone with them is free for you. They educate you on Medicare and your coverage options and answer any questions.

So if you’re ready to talk about a Medigap plan, give us a call today. Or complete our online rate form to get the best rates in your zip code.

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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.