Call (855) 847-7020 Today To Talk To a Medicare Specialist

Wisconsin Medicare Supplement Plans

Overview

Medicare Supplement insurance, also called Medigap, helps pay the costs Original Medicare leaves to you. You can buy a policy if you are enrolled in Medicare Parts A and B and live in Wisconsin.

Wisconsin does Medigap differently. It is one of only three states, along with Massachusetts and Minnesota, that standardizes Medigap under its own rules. The lettered plans sold in most states, such as Plan F, Plan G and Plan N, are not sold in Wisconsin. Every Wisconsin Medigap policy is one of four plans:

Basic Plan: the core Wisconsin plan, which you can build up with optional riders.
25% Cost Sharing Plan: a lower premium in exchange for paying 25% of the Part A deductible and part of your Part B costs, up to a yearly limit.
50% Cost Sharing Plan: a lower premium still, in exchange for paying 50% of the Part A deductible and a larger share of Part B costs, up to a higher yearly limit.
High Deductible Plan: the lowest premiums. You pay the first $2,950 of covered costs in 2026, then the plan pays in full.

What differs between companies is the premium, which riders they offer, and their service. Call us at (855) 847-7020 ext. 3 and a licensed agent will compare the companies selling in your ZIP code.

Wisconsin Medicare Supplement FAQ

What is Medicare Supplement Insurance?

Medicare Supplement Insurance is a private health insurance policy designed to help pay some or all of the costs that are not covered by Medicare Parts A and B.

Who is eligible for Medicare Supplement Insurance?

Anyone who is covered under both Medicare parts A and B is eligible for Medigap Coverage.

When can I apply for Medicare Supplement Insurance?

You can apply for Medicare Supplement Insurance during open enrollment. Open enrollment includes a six-month period from the date you enrolled in Medicare Part B if age 65 or older, or up to six-month after you turn 65 if you were eligible for Part B benefits before age 65. If you become eligible for Medicare Part B benefits before age 65 because of disability or ESRD (permanent kidney failure), you are guaranteed the Medicare Supplement policy of your choice during the first six months you are age 65 and enrolled in Part B.

Does Medicare Supplement coverage include prescription drug benefits?

No, Medicare Supplement is designed to fill in the “gaps” with Medicare Plans such as Part A (which covers hospital and skilled nursing facility care) and Part B (which covers doctor bills and other medical expenses). For prescription drug coverage, you can select a separate Medicare Part D Prescription Drug Plan.

Can I enroll if I do not have Medicare Parts A or B?

No, you must be entitled to Medicare Part A and/or enrolled in Medicare Part B to be eligible for a Medicare prescription drug coverage.

To learn how to get Medicare Part A and/or Part B, please call Medicare at 1-800-MEDICARE (1-800-633-4227), 24 hours a day/7 days a week. For the hearing or speech impaired, please call 1-877-486-2048.

You may also contact your State Medicaid Office or the Social Security Administration at 1-800-772-1213, Monday – Friday, 7 a.m. – 7 p.m. CST. For the hearing or speech impaired, please call 1-800-325-0778.

Does Everyone Need a Medicare Supplement Policy?

Not everyone needs a Medicare supplement policy. If you have certain other types of health coverage, the gaps in your Medicare coverage may already be covered. You probably don’t need Medicare supplement insurance if

you belong to a Medicare Advantage plan
Medicaid or the Qualified Medicare Beneficiary (QMB) Program pays your Medicare premiums and other out-of-pocket costs.
You are covered under an employer group health plan

What if I (or my spouse) plan to work after age 65 and continue receiving group health care benefits?

Check with your group plan administrator. You may be able to choose either your group plan or Medicare plus Medicare Supplement coverage. If you stay with your group health care plan, a Special Enrollment Period lets you delay purchasing Part B until you need it.

Will I need to switch doctors if I enroll in a Medicare Supplement plan?

No, you may continue to see your own doctor. Medicare Supplement plans are convenient and flexible, giving you freedom of choice.

Can I see a specialist whenever I want?

Yes. Just remember that your out-of-pocket costs will be less if you choose a physician who accepts Medicare assignment.

What Medicare Doesn't Cover

Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).

Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:

Part A hospital deductible ($1,736 in 2026)
Part B deductible ($283 in 2026)
Copayments for hospital stays over 60 days
Care in a skilled nursing facility after 20 days
Twenty percent coinsurance for doctor bills and other medical expenses

Eligibility

To qualify for a Medicare Supplement policy, you must be age 65 or older (may vary by state), enrolled in Medicare parts A and B, and you must reside in the state in which you are applying for supplemental coverage.

When to Enroll

Your open enrollment period is the best time to buy a Medicare Supplement policy because companies must sell you any plan they offer regardless of your pre-existing health conditions. Your open enrollment period lasts for 6 months and begins on the first day of the month in which you are age 65 or older and enrolled in Part A and B of Medicare.

Late Enrollment

To help control rising costs, carriers apply the pre-existing condition clause to newly issued Medicare Supplement plans in most states if you enroll after the open enrollment period. Expenses resulting from a condition existing six months prior to the supplemental policy effective date are not covered unless they are incurred three months after the supplemental policy effective date.

If the supplemental policy replaces another creditable individual or group insurance coverage due to a person’s eligibility for Medicare, this Pre-Existing Conditions Limitation will be reduced by the number of months that coverage was in force. If this supplemental policy replaces another Medicare Supplement policy, this Pre-Existing Conditions Limitation will be reduced by the number of months that the coverage was in force.

Wisconsin Medigap Plans Compared

Wisconsin standardizes its four Medigap plans by law, so a given plan carries the same core benefits whichever company sells it. Here is how they compare in 2026:

Benefit	Basic Plan	25% Cost Sharing	50% Cost Sharing	High Deductible
Part A hospital deductible ($1,736 in 2026)	Rider available	You pay $434	You pay $868	Covered after plan deductible
Part B deductible ($283 in 2026)	Rider available*	Not covered	Not covered	Covered after plan deductible*
Part B coinsurance	Covered	You pay 5% until you reach $4,000 out of pocket	You pay 10% until you reach $8,000 out of pocket	Covered after plan deductible
Skilled nursing facility care	Included	Included, with cost sharing	Included, with cost sharing	Covered after plan deductible
Part B excess charges	Rider available	Not covered	Not covered	Covered after plan deductible
Foreign travel emergency	Rider available	Not covered	Not covered	Covered after plan deductible
Plan deductible	None	None	None	$2,950 in 2026

* Plans sold to people who first became eligible for Medicare on or after January 1, 2020 cannot cover the Part B deductible.

Who sells what (2026): the Basic Plan is sold by most Medigap companies in Wisconsin, including Anthem Blue Cross and Blue Shield and Mutual of Omaha. The High Deductible Plan is sold by Mutual of Omaha, Humana, United American and Physicians Select. The 25% and 50% Cost Sharing Plans are sold by Humana.

What the Wisconsin Basic Plan covers

Every Wisconsin Medigap Basic Plan includes:

Hospital coinsurance for days 61 through 150 of a hospital stay
Skilled nursing facility care for days 21 through 100
The first three pints of blood
Hospice care
Your Part B coinsurance, after the Part B deductible
175 additional days of inpatient mental health care, a benefit Wisconsin requires
40 additional home health care visits, also required by Wisconsin

The Basic Plan does not cover the $1,736 Part A deductible, the $283 Part B deductible, Part B excess charges or foreign travel emergencies. You can add those back with riders.

Optional riders

Wisconsin lets you add riders to a Basic Plan to cover more. Riders are available for:

The Part A hospital deductible ($1,736 in 2026)
The Part B deductible ($283 in 2026), only if you were eligible for Medicare before January 1, 2020
Part B excess charges
Additional home health care
Foreign travel emergencies

Each rider adds to your premium, and not every company offers every rider. We’ll show you which riders each company offers where you live.

Figures are for 2026 and come from Medicare.gov and the Centers for Medicare & Medicaid Services. Plan availability was checked on Medicare.gov’s Medigap plan finder in September 2026 and can change. Not connected with or endorsed by the U.S. government or the federal Medicare program.