Medicare Supplement Insurance Options in Wisconsin

1.1 million Wisconsin residents are enrolled in Wisconsin Medicare supplement insurance options, also called Medigap plans. These are private insurance plans that help cover costs not covered by Original Medicare, such as deductibles, copayments and coinsurance. Medicare Supplement rates vary widely depending on your age, zip code and plan options. But you can use an online calculator to get a general idea of what to expect.

While most states offer 10 standardized Medicare Supplement plans, Wisconsin allows you to build a policy in an a la carte style, meaning that you choose specific riders to add to your coverage. For example, you can turn a basic plan into the state’s high-deductible plan or one of the two cost-sharing plans that split the cost with your insurance company, similar to Medigap Plans K and L in other states.

In addition to the standard benefits of Medicare Supplement insurance, you can add other riders to cover things like foreign travel emergency care and extra home health visits. These aren’t required by law but may be important to your overall financial well-being. The Bobby Brock Insurance team can show you how the different riders work and help you pick the ones that are right for your needs.

How to Find the Best Medicare Supplement Insurance for You

The first step in finding the best Wisconsin Medicare supplement plan is to understand what each option covers and how much it costs. Using an online calculator, you can find out what your premium will be for each plan based on your age, gender, zip code and other factors. Then you can compare premiums across companies to find the plan that works for your budget.

Unlike Medicare Advantage plans, you can enroll in a Medicare Supplement at any time and you cannot be turned down for any pre-existing conditions. But the best time to do so is during your initial Medicare Supplement open enrollment period, which starts the month you become enrolled in Part B of Medicare and ends six months later. This is the only time of year when you can change your Medicare Supplement without being subject to medical underwriting.

You can also switch between Medicare Advantage and a traditional Medicare Supplement during the annual Medicare Advantage open enrollment period, which runs from October 15 to December 7. However, if you drop your Medicare Advantage plan before switching to a Medicare Supplement, you won’t be able to enroll in a plan until you have been approved by the insurer for that supplement.

If you are new to Medicare, our comprehensive guide can walk you through everything you need to know about your plan options and how they differ from other states. Then you can make the best decision about which Medicare supplement plan is right for your unique circumstances and situation. Our editors are subject matter experts and use primary, trustworthy sources to write our content. We strive for accuracy, timeliness and relevance. If you have any questions about our content or editorial process, please contact us.