Wisconsin Medicare Supplement Plans
Wisconsin Medicare Supplement Insurance plans are different from the plans offered in most other states.
Most states use standardized plan letters such as Plan G, Plan N, or Plan F. Wisconsin does not use those same standard plan letters. Instead, Wisconsin offers a Basic Plan with the option to add certain coverage riders.
The plan that is right for you may depend on your budget, how much coverage you want, and when you first became eligible for Medicare.
Basic Plan
The Basic Plan provides a starting level of Medicare Supplement coverage. You can also add riders to increase or adjust your coverage.
With the Basic Plan, you are responsible for:
- The Medicare Part A hospital deductible
- The Medicare Part B deductible
- Part B excess charges (up to 15% above the Medicare-approved amount)
Optional Riders to add to Basic Plan
- Part A deductible
- This rider covers the Medicare Part A hospital deductible at 100%.
- Part B deductible
- This rider covers the Medicare Part B outpatient deductible at 100%.
- This rider is only available if you became eligible for Medicare before January 1, 2020.
- Part B excess charge
- Covers the 15% Medicare Excess charge
- Foreign travel emergency care
- This rider helps cover emergency care received while traveling outside the United States.
- Part B copayment or coinsurance
- This rider reduces your Part B coverage
- Instead of having Part B co-insurance paid at 100%, you agree to pay:
- $20 co-pay for Dr’s office visit
- $50 for emergency room visit
- Additional home health care
- Covers an additional of 365 days of home health care
High Deductible Plan
The High Deductible Plan is designed for people who want lower monthly premiums and are comfortable taking on more out-of-pocket responsibility before the plan begins paying benefits.
With this plan:
- Your Medicare-eligible out-of-pocket costs are capped at $2,950 per calendar year in 2026
- You are generally responsible for Medicare-approved costs until you meet the annual deductible/out-of-pocket limit
- After you meet the limit, the plan pays 100% of Medicare-eligible expenses for the rest of the calendar year
- Riders cannot be added to this plan
