Wisconsin Medigap Plans

Find An Affordable Medicare Supplement Plan

Medigap plans, also known as Supplement plans, are standardized health insurance policies that you can buy to help manage the out-of-pocket costs (“gaps”) in Original Medicare plans. Medigap plans in Wisconsin have the same standardized benefits than the benefits that are offered in the other areas of the United States, they are just not standardized using the lettered plans. You can get a free Medigap Quote by calling us at 920-545-4884 or further down this page.  Keep reading for more information on Medigap (Medicare Supplemental) in Wisconsin.

Medicare beneficiaries living in Wisconsin typically have a wide variety of choices in Medigap plans, depending on where they live in the state.  There are several companies offering Medigap plans in Wisconsin and several different benefit plan combinations.

Important Information for Wisconsin Medicare Beneficiaries

As you probably already know, Original Medicare is composed of Medicare Part A, the hospital coverage, and Medicare Part B, the medical coverage. Out-of-pocket costs can rapidly add up using Original Medicare, so beneficiaries can purchase Medigap insurance coverage to help transfer those expenses.

Medigap insurance isn’t comprehensive health insurance; it is designed to fill in the gaps in Original Medicare, hence the name “Medigap” insurance.

In Wisconsin, as in every other state, you have to be enrolled in Original Medicare to sign up for a Medigap plan; and you will continue to get your health coverage from Medicare Part A and Medicare Part B. Additionally, you must keep paying the Medicare Part B premium.

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Medigap plans can be used only to pay for your Original Medicare expenses. Beneficiaries should be mindful that Medigap plans will not provide drug coverage; therefore you will still want to enroll in a Part D Prescription Drug Plan if you desire this coverage.

Furthermore, Medigap plans will not work in conjunction with Medicare Advantage (Medicare Part C). If you have purchased a Medigap plan and then later choose to purchase a Medicare Advantage plan, you may not need to cancel your Medigap plan, but you will definitely not be able to use those benefits going forward.

Medigap Enrollment

For enrollment and eligibility, Medigap plans in Wisconsin function the same means as in the rest of the nation. You first become eligible to register with a Medigap plan during the Open Enrollment Period, which starts instantly when you are both age 65 and enrolled in Medicare Part B. During the course of your Medigap Open Enrollment Period.

You enjoy a guaranteed-issue right, which means that insurance companies offering Medigap plans won’t be allowed to require any medical underwriting or command a higher premium based on health concerns. You’re likely to find that the Medigap Open Enrollment Period is an ideal time to enroll, particularly if you suffer from any pre-existing health conditions.

Compared with other forms of Medicare insurance, Medigap plans are open for enrollment any time of the year, but if you sign up outside of the Medigap Open Enrollment Period, you might not have a guaranteed-issue right, which means insurance companies could deny you insurance coverage or require you to pay a steeper premium because of your health status.