Medicare Supplement Plans in Wisconsin

Steven Mott by Steven Mott | Licensed since 2012
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This article was updated on: 10/09/2018

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Are you on Medicare in Wisconsin, or planning ahead for Medicare? When you think about what kind of coverage options you want, don’t forget to consider Medicare Supplement plans in Wisconsin.

Medicare Supplement plans are standardized in most states into 10 plans named by letter. While these plans may help pay some costs not covered by Original Medicare (Part A and Part B), Medicare Supplement plans in Wisconsin may cover even more medical costs.

Intrigued? Keep reading.

About Medicare Supplement plans in Wisconsin

First, let’s see what Medicare Supplement insurance does, in general. Also called Medigap, Medicare Supplement is optional insurance that works alongside Original Medicare, covering some of its out-of-pocket costs. Coinsurance, copayments, and deductibles required by Part A and Part B are examples of these costs.

But Medicare Supplement plans in Wisconsin may take this coverage further. They may cover more Medicare costs, and even some medical expenses Medicare doesn’t cover.

What Medicare Supplement plans in Wisconsin may cover

Medicare Supplement (Medigap) plans are in Wisconsin are available from private insurance companies. Here’s a list of some of the standard basic benefits Medicare Supplement plans in Wisconsin typically pay for.

  • Hospital inpatient coinsurance under Medicare Part A
  • Coinsurance or copayments under Medicare Part B
  • Coinsurance at skilled nursing care facilities under Part A
  • First three pints of blood per year (for example, if you need a transfusion)
  • Home health care visits: up to 40 visits beyond those covered by Medicare
  • Part B coinsurance
  • Outpatient mental health care
  • Inpatient mental health care for up to 175 days beyond those covered by Medicare
  • Certain other state-required benefits

Medicare Supplement plans in Wisconsin usually also help pay for certain services not covered by Medicare, if they meet insurance company standards for being medically necessary. For example:

  • Non-Medicare hospital and ambulatory surgery care
  • Breast reconstruction surgery
  • Chiropractic care
  • Up to 30 days in a skilled nursing facility that’s not covered by Medicare

Some Medicare Supplement plans in Wisconsin may offer more benefits, besides the basic benefits. These are optional and you generally pay an additional premium.

  • Medicare Part A deductible (some plans pay less than 100%)
  • Medicare Part B deductible (some plans pay less than 100%)
  • Limited Part B excess charges (an amount a doctor is legally allowed to charge you above the Medicare-approved amount)
  • Limited emergency medical care during travel outside the United States

Medicare Supplement Cost-Sharing plans in Wisconsin

Yet another type of Medicare Supplement plan in Wisconsin may cover part of some of your Original Medicare out-of-pocket costs. The plan’s benefits don’t kick in until you have spent up to a standard annual out-of-pocket limit on covered medical care, and paid your annual Medicare Part B deductible.

These are called Medicare Supplement Cost-Sharing plans. One type may cover certain basic benefits at 50%, and some at 25% (however, they may cover other benefits at  100%). That means, for example, that the “50% cost-sharing Medicare Supplement plan” would generally cover half (50%) of your Part A deductible.

Medicare Supplement Medicare SELECT plans in Wisconsin

Medicare SELECT plans are a type of Medicare Supplement plan that might require you to use doctors and other providers in the plan’s network.

Here’s a sample of some of the benefits that Medicare SELECT plans in Wisconsin generally cover. This is not a complete list.

  • Medicare Part A deductible
  • Medicare Part B deductible
  • Coinsurance under Part A for inpatient hospital care
  • Medicare Part B coinsurance

Medicare SELECT Cost-Sharing Medicare Supplement plans may also be available in Wisconsin. These plans are somewhat similar to the Medicare Supplement Cost-Sharing plans described earlier in this article.

There may be other types of Medicare Supplement plans available in Wisconsin. Would you like to see for yourself what’s available in your area? For an easy, fast way to compare plans with no obligation, click the Find Plans button on this page.

Source for the information above: State of Wisconsin Office of the Commissioner of Insurance

What else should I know about Medicare Supplement plans in Wisconsin?

Here are a few points to keep in mind when you’re considering buying a Medicare Supplement plan in Wisconsin.

  • You can usually keep your doctors and specialists, as long as they accept Medicare assignment. Medicare SELECT plans are the only type of Medicare Supplement plan that may have provider networks and may require you to see network doctors.
  • A good time to buy one may be during your Medicare Supplement Open Enrollment Period (OEP). This is the time when no insurance company can reject your application, or charge you a higher premium, based on your health problems. This 6-month timeframe starts the first month that you’re enrolled in Part B, and age 65 or older.

If you try to buy a Medicare Supplement plan in Wisconsin after your OEP is over, the insurance company can review your medical history and decide not to accept you as a member – or charge you more.

  • Medicare Supplement plans in Wisconsin are guaranteed renewable. That means that once you have a plan, the insurance company can’t cancel it. There are exceptions: if you weren’t honest on your application, if you don’t pay your premiums, or if the plan goes bankrupt.

Can I buy a Medicare Supplement plans in Wisconsin if I’m under 65?

If you qualify for Medicare by disability before you turn 65, you can generally buy a Medicare Supplement plan in Wisconsin.

To start comparing plans right away, click the Find Plans button on this page.

Would you like more information about Medicare Supplement plans in Wisconsin? Just follow the links below to set up a phone call with me or have me email you customized information.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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