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2023 Low-Cost Medicare Insurance Plans in Wisconsin

2023 Low-Cost Medicare Insurance Plans in Wisconsin

2023 Wisconsin Medicare Supplement Plans

If you are currently living in the Badger State and you are enrolled in Medicare, a Medicare Supplement Plan will help with the various health care costs that Original Medicare does not cover. Remember there are gaps in the Part A and Part B coverage that will leave you paying substantial out-of-pocket medical expenses.  That is where your Wisconsin Medicare Supplement Plan comes in.  For free quote on Low-Cost Medicare Insurance Plans in Wisconsin just call 920-545-4884.  Please continue reading for more information on medicare supplement costs.


Typically, your out-of-pocket expenses are the result of deductibles and coinsurance with Part A and Part B, and those amounts can be significant. In most cases, it is cheaper to purchase a Medicare Supplement plan than to risk having sky-rocketing expenses that must be paid out-of-pocket.


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Medicare Part A – What’s Covered and What Isn’t

Medicare Part A takes care of medical expenses relating to Hospital stays and other medical facilities. Part A will pay its share of:

  • Inpatient hospital care that results from hospital services such as semi-private rooms charges, meals, general nursing expenses, drugs that are part of your treatment, and other hospital services or supplies. These facilities could be acute care hospitals, critical access hospitals, inpatient rehabilitation facilities and long-term care facilities.
  • Skilled nursing facility coverage is available under certain conditions and for a limited time. Typical expenses associated with skilled nursing include your semi-private room, your meals, skilled nursing care, occupational and physical therapy, speech pathology services, medications, medical equipment, certain ambulance transportation and dietary counseling.
  • Long-term care hospitals specialize in treating those patients who typically have more than one serious health condition but their health is likely to improve over time, thus allowing them to return home.

What’s not covered under Part A can amount to a significant expense for the patient:

  • Your deductible of $1,600 for each benefit period. (up from $1,556 in 2022)
  • Hospital stays that are longer than 60 days (coinsurance costs kick in)
  • Private-duty nursing
  • Private room (unless medically necessary)
  • Television and phone in your room.
  • Personal care items like

Medicare Part B – What’s Covered and What Isn’t

Part B is like regular health insurance and takes care of doctor visits for medically necessary services and preventive services. These are typically services like clinical research, ambulance services, inpatient and outpatient mental health services, and physician and specialist services.

Although Part B is fairly comprehensive, there are some substantial out-of-pocket expenses that you will likely have to deal with:

  • $226 deductible per year
  • Monthly premium of $164.90 for most individuals
  • 20% of Medicare-approved expenses
  • Long-term care expenses
  • Dental care (unless related to other covered health condition)
  • Cosmetic surgery
  • Acupuncture
  • Hearing aids and hearing aid fitting exams
  • Routine foot care

 2023 Wisconsin Medicare Supplement Rates

Although beneficiaries will witness very few changes to Low-Cost Medicare Insurance Plans in Wisconsin in 2023, it’s still important and prudent to shop your plan during open enrollment to make certain your rates are still competitive and represent the value you are looking for.


In 2020 the Plan F will be going away, that means the the Part B Deductible rider will no longer be available.

The following rate comparison is for a 65-year-old male non-smoker living in Watertown (zip 53094) with various Wisconsin Medicare supplement providers 

***Does not include Optional Benefit Riders:


Monthly Premium


Loyal Christian Benefit Assoc.



Manhattan Life



Aetna (American Continental)






Mutual of Omaha






Compare Rates


Time to Enroll in a WI Medigap Plan

If you live in Wisconsin, it’s important to note that the most optimal time to enroll in a Medicare Supplement Plan (Medigap) during your Open Enrollment Period (OEP). The period is the six-month time period that automatically starts when you enroll in original Medicare Part B and you are age 65 or older.

By enrolling in a Wisconsin Medicare Supplement plan during your Open Enrollment Period, you have guaranteed-issue rights which means you will not be penalized in any way because of pre-existing health conditions. Once your OEP expires, the insurance companies force you to submit to a medical exam, increase your rates, or deny your application altogether.

Low-Cost Medicare Insurance Plans in Wisconsin

Shopping for Low-Cost Medicare Insurance Plans in Wisconsin can be confusing and stressful when you go it alone. Contact the insurance professionals on the Medicare Solutions Team to get expert help with finding a Medicare Supplement Plan that works best for you and will fit your budget.

You can reach us at (920) 545-4884 during normal business hours or contact us through our website at your convenience.

We carry all the top Medicare Supplemental Insurance companies in the state, we will find the perfect balance of cost and benefits to meet your needs and budget.

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