Mutual of Omaha Medicare Supplement Plans in Wisconsin
Mutual of Omaha sells Medicare Supplement (Medigap) insurance in Wisconsin through its subsidiary, Omaha Insurance Company. Wisconsin does not use lettered plans like F, G and N. Mutual of Omaha sells two of the four Wisconsin plan types: the Basic Plan and the High Deductible Plan.
How Medigap works in Wisconsin
Wisconsin is one of three states with its own Medigap rules. Instead of Plans A through N, every company sells the same standardized Wisconsin plans, so you compare Mutual of Omaha against other carriers on price and service, not on plan letters.
| Plan type | How it works | Mutual of Omaha |
|---|---|---|
| Basic Plan | Covers Part A coinsurance and hospital costs, Part B coinsurance, the first 3 pints of blood, hospice coinsurance, plus Wisconsin extras: 175 additional days of inpatient mental health care and 40 additional home health visits. Optional riders add the Part A deductible, Part B excess charges, extra home health care and foreign travel emergencies. | Yes |
| 25% Cost Sharing | You pay 25% of the Part A deductible and a small share of Part B costs until you reach a yearly out-of-pocket limit ($4,000 in 2026). Lower premium than the Basic Plan. | Not offered |
| 50% Cost Sharing | You pay 50% of the Part A deductible and a larger share of Part B costs until you reach a yearly out-of-pocket limit ($8,000 in 2026). Lowest premium of the standard plans. | Not offered |
| High Deductible | You pay a yearly deductible first ($2,950 in 2026), then the plan pays covered costs. | Yes |
Plan descriptions from Medicare.gov and the Wisconsin Board on Aging and Long Term Care. Mutual of Omaha availability checked on the Medicare.gov Medigap plan finder (plan year 2027, October 2026) and can change. Figures are for 2026. Not every company sells every plan type or rider.
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, and your Part B coinsurance after the Part B deductible. Wisconsin also requires 175 additional days of inpatient mental health care and 40 additional home health care visits.
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 for the Part A deductible, the Part B deductible (only if you were eligible for Medicare before January 1, 2020), Part B excess charges, additional home health care and foreign travel emergencies. Each rider adds to your premium, and not every company offers every rider.
Basic Plan or High Deductible Plan?
Basic Plan
No plan deductible. It covers your hospital coinsurance, skilled nursing care and Part B coinsurance from the start, and you choose which riders to add. If you see doctors often, the Basic Plan with riders usually costs less overall.
High Deductible Plan
Costs less each month. You pay the first $2,950 of covered costs in 2026, then it pays the Part A deductible, Part B coinsurance, excess charges and foreign travel emergencies in full. If you are healthy and want protection against a large bill, it can save on premiums.
Your Medigap protections
Guaranteed acceptance
Your Medigap open enrollment period lasts 6 months, starting the first month you are 65 or older and enrolled in Medicare Part B. During it, a company cannot deny you coverage or charge you more because of your health. After it, you may face medical underwriting.
Any doctor, no network
Use any doctor or hospital in the U.S. that accepts Medicare. There is no network and no referral requirement.
Guaranteed renewable
Your policy renews every year for as long as you pay your premium.
Compare more than one carrier
The same benefits cost different amounts at different companies, and companies price by age, ZIP code and household differently. Always compare at least two or three.
Compare other Wisconsin Medicare Supplement carriers
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Mutual of Omaha is a trademark of its owner. This page is informational and is not connected with or endorsed by the U.S. government or the federal Medicare program.
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