Wisconsin Medicare Supplement Plans
Wisconsin is unique in their Medicare Supplement offerings. They do not offer the same Standardized plans that are available in most states. Instead, Wisconsin offers a “Basic Plan” with the ability to add on additional coverage riders.
Basic Plan
- Out-of-Pocket Costs under this plan:
- Part A Inpatient Hospital Deductible
- Part B Deductible
- Part B Excess (“Reasonable and Customary”)
- Providers are allowed to charge up to 15% more than the Medicare allowable rates for their services.
Available Riders to add to Basic Plan
- Part A deductible
- Covers the Part A deductible at 100%
- Part B deductible
- Covers the Part B outpatient deductible at 100%
- Only available if Medicare eligible before 1/1/2020
- Part B excess charge
- Covers the 15% Medicare Excess charge
- Foreign travel emergency care
- Part B copayment or coinsurance
- This rider reduces your Part B coverage
- Instead of having Part B co-insurance paid at 100%, you agree to pay $20 co-pay for Dr’s office visit and $50 for emergency room visit
- Additional home health care
- Covers an additional of 365 days of home health care
High Deductible Plan
- Out of Pocket Costs under this plan:
- This plan caps your Medicare eligible out of pocket expenses at $2,800/calendar year (in 2024).
- You will have Original Medicare coverage only until you have hit the out of pocket cap, then this plan pays 100% of your Medicare eligible expenses for the remainder of the calendar year.
- You cannot add any riders to this plan