At the Benefit Link we work with great insurance companies offering Medicare Supplement plans for Wisconsin residents.
Many offer the most popular plans like Plan F and Plan G. Let us assist with the basics. Wisconsin Medicare Plans include 10 standardized options, lettered A – N. Each insurance company must offer at least Plan A, but companies can offer any of the other plans as well.
Wisconsin Medicare supplement plans differ from those for sale under federal law in other states. It is one of only three states in the nation that doesn’t offer the standard 10 plans for Medigap that you find elsewhere.
Instead, the Wisconsin Basic Plan offers a set of benefits outlined by the state. You can can add optional riders to expand that coverage through your chosen Wisconsin Medicare supplement insurance carrier.
The state of Wisconsin requires that Medicare Supplement policies contain certain “mandated” benefits. These are designed to protect you and make sure you will have enough coverage.
Skilled Nursing – Wisconsin Medicare supplements must cover 30 days of skilled nursing care in a skilled nursing facility (SNF). No prior hospital stay is required. Facility does not need to be certified by Medicare, but must be a licensed SNF. Care must meet the insurance carrier’s standards as medically necessary.
Home Health Care – Wisconsin Medicare supplements must also cover up to 40 home care visits each year beyond those provided by Medicare. To qualify, your doctor must certify that you would need to be in a hospital or SNF if home care was not available to you. Home nursing and necessary home health aide care is also covered intermittently, along with other kinds of physical therapy. Furthermore, Wisconsin Medigap plans must offer coverage for 365 home health care visits in a policy year. Insurance companies can charge a premium for this additional coverage. Again, all care must be medically necessary.
Kidney Disease – Wisconsin Medigap plans must cover inpatient and outpatient expenses for dialysis, transplants and donor-related services. The coverage can be no less than $30,000 EVERY calendar year. This is to ensure enough benefits to last through each calendar year.
Diabetes – Medicare supplement plan in Wisconsin must cover customary costs for installation and use of an insulin infusoin pump or other equipment and supplies for the treatment of diabetes. Self-management training is also a covered expense. This benefit must be made available to the Medicare beneficiary even if Medicare doesn’t cover the claim.
Other coverage mandates for Wisconsin Medicare Supplements include chiropractic care, surgery center care, breast reconstruction, colorectal cancer screening, certain costs in clinical trials for cancer,
You can find more about these mandates in the Wisconsin Guide to Health Insurance for People with Medicare.
When you first enroll in Medicare Part B, Medicare will assign you a Part B effective date. You have six months from that date to enroll in a Wisconsin Medicare Supplement plan without any underwriting. This means you do not have to answer health questions on your application. The insurance company cannot turn you down for this coverage. It’s easy to see why Medicare’s own Choosing a Medigap Policy booklet calls the Medigap open enrollment period the best time to get a Medigap plan.
If you miss this window, you can still apply for Medicare Supplement plans in Wisconsin later on. However, you’ll have to answer health questions and the insurance company could decline you for pre-existing health conditions. When that happens, you will still be able to consider a Medicare Advantage plan in Wisconsin.
The Kaiser Family Foundation reports that nearly a million people have enrolled in Medicare in Wisconsin. About 30% of them have chosen to enroll in a Wisconsin Medicare Advantage plan. Many of the rest have original Medicare combined with a Part D plan and/or a Medigap policy. For those choosing standalone Part D drug programs, there are dozens to choose from.
If you need assistance with choosing an appropriate Medicare supplement in Wisconsin, please don’t hesitate to call our agency. We’ll provide information, education and free quotes. You can reach us at 1-844-482-2910 or complete this online request form:
There is no charge to clients for our services. We would be honored to help walk you through this process!
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