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Medicare Supplement Plans Wisconsin

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 8, 2026

Wisconsin does not use the lettered Medigap plans sold in most states; it uses its own standardized design with a Basic plan and optional riders.

Insurers sell the same Wisconsin Basic plan, so you compare price and which riders you add. Aspirus Health Plan is leaving Medicare Advantage in 21 Wisconsin counties for 2027, giving those members a guaranteed issue right.

See Medicare Supplement plans 2027 and compare Medicare Supplement plans.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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Wisconsin uses its own design.

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Basic plan plus riders.

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Aspirus exits 21 counties.

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Add a Part D plan.

Compare plans and enroll online

How Wisconsin Medigap Works

The Wisconsin Basic plan covers core gaps such as hospital and Part B coinsurance. Optional riders can add coverage for items like the Part A deductible or Part B excess charges. Ask each insurer which riders it sells and what each adds to the premium.

Aspirus Exit

21 Counties

Aspirus Health Plan leaving MA.

Guaranteed issue: if your Medicare Advantage plan leaves your area, you generally can buy certain Medicare Supplement plans without health questions, until 63 days after your coverage ends.

Understanding Wisconsin Medicare Supplement Plans

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The Most Popular Plans

Plan What You Pay Best For
Plan G The Part B deductible; after that, Medicare-approved costs are covered Most complete coverage for new enrollees
Plan N Part B deductible, copays up to $20 for some office visits and up to $50 for some ER visits, and Part B excess charges Lower premium, accepts small copays
High-Deductible Plan G A yearly deductible, then coverage like Plan G Healthy people who want the lowest premium

Medigap benefits are standardized by plan letter. Prices vary by insurer, age, ZIP code and tobacco use.

When to Buy

Watch for: outside your six-month Medigap Open Enrollment Period or a guaranteed issue right, most states let insurers ask health questions and decline you or charge more.

Help Paying Medicare Costs

If your income and savings are limited, two programs can cut your Medicare costs sharply:

Medicare Savings Programs

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Run by your state Medicaid office

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Can pay your Part B premium, and sometimes deductibles and coinsurance

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Income and asset limits vary by state

Extra Help (Part D)

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Run by Social Security

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Lowers Part D premiums, deductibles and copays

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People in a Medicare Savings Program qualify automatically

Those who are eligible for Medicare along with full Medicaid might also have the option of enrolling in a Dual Special Needs Plan. Learn more about help for low-income Part D beneficiaries.

Comparing Supplement Plans and Original Medicare

What Original Medicare Leaves You to Pay

A Medicare Supplement plan is built to cover the gaps in Original Medicare. These are the costs it can pick up:

Original Medicare Gap What It Means for You Covered By
Part A deductible A deductible for each hospital benefit period, not once a year. It was $1,736 in 2026. Plans B, C, D, F, G and N in full; K, L and M in part
Part A hospital coinsurance Daily charges after day 60 of a hospital stay, rising after day 90 All 10 plans, plus 365 extra hospital days
Part B deductible A yearly deductible before Part B pays. It was $283 in 2026. Only Plans C and F
Part B coinsurance Usually 20% of the approved amount, with no yearly cap All plans (K and L in part, N with copays)
Part B excess charges Up to 15% above the approved amount from doctors who do not take assignment Plans F and G
Skilled nursing coinsurance Daily charges from day 21 to day 100 of a covered stay Plans C, D, F, G, M and N (K and L in part)
Emergency care abroad Original Medicare generally does not cover care outside the U.S. Plans C, D, F, G, M and N, up to plan limits

No cap without a supplement: Original Medicare has no out-of-pocket maximum. Without a Medigap plan or other coverage, there is no limit to the 20% you can owe on Part B services.

All 10 Medigap Plans Compared

Federal law sets exactly what each plan letter covers, so the same letter has the same benefits from every insurer in your state.

Benefit A B C* D F* G K L M N
Part A coinsurance and hospital costs up to 365 extra days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
First 3 pints of blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charges No No No No Yes Yes No No No No
Foreign travel emergency (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit None None None None None None Yes** Yes** None None

*Plans C and F can only be bought by people who were eligible for Medicare before January 1, 2020. **Plans K and L have a yearly out-of-pocket limit that Medicare sets each year; after you reach it, the plan pays 100% of covered services for the rest of the year. ***Plan N pays all Part B coinsurance except copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an inpatient admission. Massachusetts, Minnesota and Wisconsin standardize their plans differently.

Plan G, Plan N and High-Deductible Plan G

These three are the usual picks for people just starting on Medicare. With Plan G, every gap is covered apart from the Part B deductible. Plan N charges a smaller premium in exchange for copays as high as $20 for certain office visits and as high as $50 for ER trips that do not end in admission, and it leaves Part B excess charges uncovered. For 2027, High-Deductible Plan G carries a $3,050 deductible, rising from $2,950, after which it pays like Plan G. Read Plan G vs Plan N.

Plan G

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You pay the Part B deductible, then little or nothing

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Covers Part B excess charges

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Highest premium of the three

Plan N

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You pay the Part B deductible plus small copays

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Does not cover Part B excess charges

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Usually a lower premium than Plan G

High-Deductible G

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You pay up to $3,050 in 2027 before coverage starts

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Then covers like Plan G

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Lowest premium

How Medigap Prices Are Set

Your Age

Many insurers charge more as you get older.

Your ZIP Code

Prices vary by state and area.

Tobacco Use

Tobacco users usually pay more.

Discounts

Household or other discounts, depending on the insurer and state.

Pricing Method How the Premium Is Set Over Time
Community-rated Everyone in an area pays the same premium, regardless of age Does not rise because you get older, but can rise for inflation and other reasons
Issue-age-rated Based on your age when you buy Does not rise because you get older, but can rise for other reasons
Attained-age-rated Based on your current age Rises as you age, on top of other increases

The method depends on the insurer and the state. Ask how a policy is priced before you buy, not just what it costs today.

What Medigap Does Not Cover

Not Covered by Medigap

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Prescription drugs: add a standalone Part D plan

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Routine dental care, eye exams for glasses, and hearing aids

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Long-term custodial care in a nursing home or at home

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Private-duty nursing

For 2027, a standalone Part D plan has a maximum deductible of $700 and an out-of-pocket cap of $2,400. Buy one when you buy Medigap to avoid a lifelong late enrollment penalty.

Medigap vs Medicare Advantage

Medicare Advantage Original Medicare + Medigap
Monthly premium Often low or $0 (2027 average $12, CMS) Higher; varies by plan letter, age and ZIP
Doctors Usually a network Any provider in the U.S. that accepts Medicare
Costs when you get care Copays and coinsurance up to a yearly maximum Low and predictable; little or nothing on Plan G after the Part B deductible
Drug coverage Usually included Add a separate Part D plan
Dental, vision, hearing Many plans may include some coverage Not included
Changing later Every year during Annual Enrollment Health questions in most states after your Medigap Open Enrollment Period

Plans K and L: Lower Premiums With a Cost Cap

Plans K and L pay a share of most costs instead of all of them: Plan K pays 50% and Plan L pays 75% of most cost sharing, after which you pay the rest. In exchange for lower premiums, both have a yearly out-of-pocket limit that Medicare sets each year. Once you reach it, the plan pays 100% of covered services for the rest of the year.

These plans can suit people who want catastrophic protection at a lower premium and can handle some costs along the way. Ask whether your insurer offers Plan K or L in your state.

Plans C and F for Earlier Enrollees

Plans C and F are the only plans that cover the Part B deductible. Since January 1, 2020, they cannot be sold to people newly eligible for Medicare. If you were eligible for Medicare before that date, even if you did not enroll, you may still be able to buy Plan C or F, including a High-Deductible Plan F with the same $3,050 deductible for 2027.

For most people who can buy either, compare the yearly premium difference between Plan F and Plan G with the Part B deductible. If Plan F costs more than the deductible saves you, Plan G is the better value.

Medigap Under 65

If you have Medicare before 65 because of a disability or end-stage renal disease, federal law does not require insurers to sell you a Medigap policy, but many states do. Prices for people under 65 can be much higher, and plan choices may be limited. When you turn 65, you get a new six-month Medigap Open Enrollment Period, when you can buy any plan sold in your state at the same prices as everyone else your age.

Medigap When You Travel

Inside the U.S., a Medigap plan follows you everywhere, because it works with any provider that accepts Medicare. Outside the U.S., Original Medicare generally pays nothing, but Plans C, D, F, G, M and N cover 80% of emergency care abroad after a $250 yearly deductible, up to a $50,000 lifetime limit.

Rate Increases and Switching Insurers Later

Medigap benefits never change once you buy, but premiums can. Insurers file rate increases with state regulators, often once a year. Because the same plan letter covers the same benefits everywhere, switching to a lower-priced insurer can save money without changing your coverage.

The catch is underwriting. Outside your Medigap Open Enrollment Period or a guaranteed issue situation, most states let the new insurer ask health questions and decline you. Never cancel your current policy until the new one is approved and in force.

How Medigap Claims Work

In most cases you never file a Medigap claim. Your doctor bills Medicare, Medicare pays its share, and the claim crosses over to your Medigap insurer automatically, which pays its share. You get a Medicare Summary Notice and an explanation of benefits showing what each paid.

Medigap and Part D Together

Because Medigap plans sold today do not cover prescriptions, you should also have a Part D plan. It does not have to come from your Medigap company. Choose it by your drugs and pharmacy in Medicare Plan Finder, and review it every fall. If you delay drug coverage without other creditable coverage, the late penalty adds 1% of the national base beneficiary premium, $41.33 for 2027, for every month you went without.

Turning 65 in 2027

If you turn 65 in 2027, your Initial Enrollment Period lasts seven months: the three months before your birthday month, your birthday month and the three months after. Signing up during the first three months means your coverage starts on the first day of your birthday month.

Turning 65 Checklist

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Sign up for Part A and Part B, unless you have qualifying employer coverage and choose to delay Part B

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Decide between Medicare Advantage and Original Medicare with Medigap

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Join a drug plan, or a Medicare Advantage plan with drugs, to avoid a Part D late penalty

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If you choose Medigap, buy during your six-month Medigap Open Enrollment Period

Excess Charges and Medicare Assignment

Doctors who “accept assignment” agree to take Medicare’s approved amount as full payment. Doctors who do not accept assignment can charge up to 15% more, called a Part B excess charge. Plans F and G cover excess charges; Plan N and most other plans do not.

Most doctors accept assignment, and some states limit or prohibit excess charges, so for many people the risk is small. Ask your doctors whether they accept assignment before deciding whether excess charge coverage is worth paying for.

Your Medigap Open Enrollment Period in Detail

Your six-month Medigap Open Enrollment Period starts the first month you are both 65 or older and enrolled in Part B. It happens only once and cannot be restarted. During it, insurers must sell you any Medigap plan they offer in your state, at the same price as people in good health.

If you keep working past 65 with employer coverage and delay Part B, your Medigap Open Enrollment Period waits until you enroll in Part B. Enrolling in Part B early, when you do not need it, starts the clock and can waste this protection.

Switching From Medicare Advantage to Medigap

Step by Step

1

Check whether you have a guaranteed issue right. For example, your plan is ending or you are within your first year of Medicare Advantage.

2

If not, check your state’s rules. Some states give extra rights; most allow health questions.

3

Apply for Medigap before you leave Medicare Advantage. Make sure you are approved first.

4

Join a Part D plan. Medigap does not cover drugs.

5

Leave Medicare Advantage at the right time. During Annual Enrollment or the January to March window.

Medigap With Employer or Retiree Coverage

If you have coverage from a current employer, you may not need Medigap yet, and delaying Part B can preserve your Medigap Open Enrollment Period for later. Retiree coverage is different: it may work like a supplement, so compare it with Medigap before dropping it, because you may not be able to get retiree coverage back.

When employer or union coverage that pays after Medicare ends, you generally have a guaranteed issue right to buy certain Medigap plans.

Medicare SELECT Policies

Some insurers sell Medicare SELECT policies, a type of Medigap that requires you to use specific hospitals, and sometimes doctors, for non-emergency care in exchange for a lower premium. Benefits match the standard plan letter, but the network rule makes them work more like a managed plan. If you want any-doctor freedom, choose a standard Medigap policy instead.

A Hospital Stay With and Without Medigap

Consider a hospital stay. Without a supplement, you pay the Part A deductible for each benefit period, $1,736 in 2026, plus 20% of the doctors’ Part B bills while you are in the hospital, with no cap. With Plan G, the Part A deductible and your Part B coinsurance are covered; after the yearly Part B deductible, you generally pay nothing for Medicare-approved care.

Benefit periods matter: the Part A deductible applies to each benefit period, not once a year. Two separate hospital stays can mean two deductibles without Medigap.

Pre-Existing Condition Waiting Periods

If you buy Medigap during your open enrollment period or with a guaranteed issue right, you generally cannot be denied or charged more for health conditions. However, if you did not have creditable coverage before, an insurer may impose a waiting period of up to six months before covering costs for a pre-existing condition. Prior creditable coverage reduces or removes that waiting period.

The 30-Day Free Look Period

If you replace one Medigap policy with another, you generally get 30 days to decide whether to keep the new policy. Pay the premiums for both during that time, and do not cancel your old policy until you are sure about the new one.

How to Read a Medigap Quote

Check Each Quote For

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Plan letter, so you compare like with like

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Monthly premium and any first-year or enrollment discount

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Pricing method: community, issue-age or attained-age

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Household or payment discounts applied

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Effective date and any application conditions

If a quote includes an introductory discount, ask what the premium becomes after it ends.

Common Medigap Mistakes

Avoid These

1

Missing your open enrollment period. Later, health questions may apply.

2

Choosing on today’s price alone. Pricing method and rate history matter.

3

Forgetting Part D. The late penalty is permanent.

4

Dropping Medigap for Medicare Advantage without a plan to return. Getting back may require health questions.

5

Canceling a policy before a new one is approved. You could be left without coverage.

Medigap and Medicaid

If you have full Medicaid, you generally do not need Medigap, and insurers generally cannot sell you a policy that duplicates Medicaid benefits. If you qualify for a Medicare Savings Program, it may pay your Part B premium and, in some cases, deductibles and coinsurance; check whether a Medigap policy still adds value for you.

Getting Help

You do not have to compare plans alone, and you should not have to pay for help. These are the free options:

Free Help Comparing Plans

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Medicare Plan Finder on Medicare.gov, available any time

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1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week

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Your State Health Insurance Assistance Program (SHIP), which offers free, unbiased counseling

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A licensed insurance agent or broker, who can compare plans from several insurers at no cost to you

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.

Bottom Line

The Bottom Line

Compare Wisconsin Basic plan prices and riders from several insurers, and use guaranteed issue rights if your MA plan is ending.

Compare plans and enroll online

Frequently Asked Questions

➤ Does Wisconsin sell Plan G?

No. Wisconsin uses its own standardized Medigap design rather than the lettered plans like Plan G sold in most states. Instead, Wisconsin offers a Basic plan that you can build on with optional riders, so coverage is assembled in pieces rather than picked by letter.

➤ When is the best time to buy a Medigap plan?

Your six-month Medigap Open Enrollment Period, starting the first month you are 65 or older and enrolled in Part B, is the safest time to buy in Wisconsin. During that window insurers cannot deny your application or charge more because of health conditions.

➤ Do Medigap plans cover prescription drugs?

No. Wisconsin Medigap policies, like those in other states, do not include Part D drug coverage, so you would buy a standalone Part D plan. In 2027 that plan’s deductible can be up to $700, and your yearly out-of-pocket drug costs are capped at $2,400.

➤ What is the Wisconsin Medigap Basic plan?

It is the core Medigap policy Wisconsin uses in place of lettered plans. The Basic plan provides a standard set of benefits, and optional riders can be added to fill more gaps, so ask insurers exactly what their Basic plan and each rider include.

➤ How do Wisconsin Medigap riders work?

Riders are optional add-ons you can attach to the Basic plan for extra coverage, generally for an added premium. Rider choices and prices vary by insurer, so compare what each company offers in Wisconsin before you decide.

➤ Can I buy a lettered Plan G from another state if I live in Wisconsin?

No. Wisconsin residents buy Medigap policies built on Wisconsin’s own standardized design rather than the lettered plans. If you are moving to or from Wisconsin, check your state’s rules on switching policies and ask an insurer or counselor how your coverage would carry over.

➤ Can I use a Wisconsin Medigap plan with Medicare Advantage?

No. Medigap only works with Original Medicare, and that applies to Wisconsin’s Basic plan and riders too. If you are in a Medicare Advantage plan, you would need to return to Original Medicare before a Medigap policy could pay your costs.

➤ How are Wisconsin Medigap premiums set?

Insurers generally price Medigap using community-rated, issue-age-rated or attained-age-rated methods. Ask each Wisconsin insurer which method it uses, since it affects how your premium may change as you get older. Comparing the same coverage across several Wisconsin insurers is the clearest way to judge value.

➤ Where can I get free help with Medicare Supplement plans in Wisconsin?

Your State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling to Wisconsin residents. A counselor can explain how the Basic plan and riders compare with your current coverage and walk you through enrollment timing.

Have Questions?

Speak with a licensed insurance agent

1-855-398-0716

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

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