Mutual of Omaha – Wisconsin Medicare Supplement Plans

Mutual of Omaha sells Medicare Supplement (Medigap) coverage in Wisconsin through its subsidiary, Omaha Insurance Company.

Wisconsin standardizes Medigap under its own rules, so the lettered plans sold in most states, such as Plan F, Plan G and Plan N, are not sold here. According to Medicare’s plan finder for 2026, Mutual of Omaha sells two Wisconsin plans: the Basic Plan and the High Deductible Plan.

Premiums depend on your age, ZIP code, tobacco use and when you enroll. Get a Mutual of Omaha quote online, call (855) 847-7020 ext. 3, or see how all four Wisconsin plans compare.

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 ($1,686)
• Part B deductible ($240)
• 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

Your Medigap protections

• Guaranteed acceptance during your Medigap open enrollment period: the six months that start the month you are 65 or older and enrolled in Part B.
• Any doctor or hospital that accepts Medicare, anywhere in the U.S. There is no network.
• Guaranteed renewable for as long as you pay your premium.

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.

Basic Plan or High Deductible Plan?

The Basic Plan has 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.

The High Deductible Plan costs less each month. You pay the first $2,950 of covered costs in 2026, then it pays for the Part A deductible, Part B coinsurance, excess charges and foreign travel emergencies in full. It can also pay the Part B deductible, but only if you were eligible for Medicare before January 1, 2020.

If you see doctors often, the Basic Plan with riders usually costs less overall. If you are healthy and want protection against a large bill, the High Deductible Plan can save money on premiums.

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.