What Medicare Riders Cost in Wisconsin (2025 Pricing Guide)

Medicare Supplement Insurance in Wisconsin works a little differently than in most states. Instead of picking from standardized lettered plans, Wisconsin residents purchase a base Medigap policy and can add optional riders to customize their coverage.

But how much do these riders actually cost in 2025? In this guide, we break down the current pricing for popular riders, what affects their costs, and how to compare options to get the most value for your premium dollars.

📚 Table of Contents

Section	Jump to Section
💼 What Are Medigap Riders?	Go to Section
💲2025 Costs for Popular Riders in Wisconsin	Go to Section
📊 Factors That Influence Rider Costs	Go to Section
🧾 Comparing Rider Packages	Go to Section
🔁 Can Costs Change Year to Year?	Go to Section
❓FAQ	Go to Section

💼 What Are Medigap Riders?

In Wisconsin, Medigap riders are optional add-ons that enhance the base Medicare Supplement policy. These riders allow you to customize your coverage based on your health needs and budget. Some of the most common riders include:

Part A deductible coverage
Part B deductible coverage (not available to new enrollees after 2020)
Part B excess charges
Foreign travel emergency
Additional home health care
50% or 100% preventive care

Riders are priced separately and can be added during enrollment or modified later, depending on your eligibility and insurer policies.

💲2025 Costs for Popular Riders in Wisconsin

Pricing varies based on insurer, age, ZIP code, and whether the plan is issue-age or attained-age rated. Below are average monthly 2025 premiums based on data from the Wisconsin Office of the Commissioner of Insurance:

Rider Name	Average Monthly Cost (2025)
Part A Deductible	$30–$50
Part B Excess Charges	$3–$8
Foreign Travel Emergency	$2–$6
Additional Home Health Care	$5–$10
50% Part B Deductible Rider*	$12–$22
100% Part B Deductible Rider*	$22–$35

*Note: New enrollees after 2020 are not eligible for Part B deductible coverage due to MACRA legislation.

Prices may differ across companies—some bundle riders for discounts.

📊 Factors That Influence Rider Costs

Several elements can affect the price of Medigap riders in Wisconsin:

Age: Some plans are age-rated, so your premiums increase as you get older.
Geographic Area: Premiums may vary by ZIP code.
Tobacco Use: Smokers may face higher rates.
Gender: Some companies charge differently based on gender.
Underwriting: If applying outside your open enrollment period, your health status may influence costs.

Always request a side-by-side comparison when shopping.

🧾 Comparing Rider Packages

To get the best value:

Bundle smartly: Foreign travel and excess charges are low-cost and high-value when combined.
Prioritize needs: If you rarely travel, skip the foreign travel rider and focus on deductible coverage.
Ask for discounts: Some insurers offer household or e-payment discounts.

📌 Pro Tip: The OCI publishes an annual Medigap Rate Comparison Guide—use this to benchmark current rates.

🔁 Can Costs Change Year to Year?

Yes, rider premiums can increase annually. Factors include:

Inflation and medical cost trends
Company-specific rate adjustments
Regulatory changes affecting benefits or pricing structures

Insurers are required to notify you before rate increases. Always review your policy during the annual open enrollment season to see if changes are warranted.