2026 Medigap Plans in Wisconsin | Costs, Carriers, FAQs

OVERVIEW

At A Glance: Medicare Supplement in Wisconsin

Wisconsin is one of only three states — along with Massachusetts and Minnesota — that does not use the standard federal Medigap lettering system (Plan A, Plan G, Plan N, etc.). Instead, Wisconsin uses a modular model: you start with a state-mandated Basic Plan, then add optional riders to fill specific coverage gaps. Understanding how this system works is key to choosing the right policy.

Carriers in Wisconsin

$252/mo

Avg. Wisconsin Basic Plan

$93/mo

Avg. Wisconsin High-Deductible Plan

2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.

Why this matters when you compare rates

When you shop for Medigap in Wisconsin, you are not choosing between lettered plans — you are choosing a base plan structure and deciding which riders to add. Two policies with the same riders from different carriers must cover the exact same benefits by law, so price and carrier reputation are the main differentiators.

1. Base Plan Options

All Wisconsin Medigap policies start with one of four foundational structures. Every insurer must offer the Basic Plan; the others are optional offerings.

Plan Structure	What It Covers	Federal Equivalent
Wisconsin Basic Plan	The mandatory starting point every insurer must offer. Covers Part A hospital coinsurance, Part B coinsurance (20% of Medicare-approved costs), the first 3 pints of blood, 175 lifetime days of inpatient mental health care beyond what Medicare covers, and 40 home health care visits per year beyond what Medicare covers. Also includes skilled nursing facility coinsurance after day 20, and limited coverage for non-Medicare-covered services (chiropractic, anesthetics for dental care, breast reconstruction).	No direct equivalent Closest to Plan A, but with added mental health and home health benefits unique to Wisconsin
50% Cost-Sharing Plan	You pay 50% of out-of-pocket costs for covered benefits until you reach the state-set annual out-of-pocket maximum. After the maximum is met, the plan covers 100% of remaining covered costs for the year. Lower monthly premium than the Basic Plan in exchange for cost-sharing.	Similar to Plan K
75% Cost-Sharing Plan	The insurer covers 75% of out-of-pocket costs; you pay 25% until the annual out-of-pocket maximum is reached, after which the plan pays 100%. Offers more coverage than the 50% plan with a correspondingly higher premium.	Similar to Plan L
High-Deductible Plan	You pay all Medicare-approved out-of-pocket costs up to the annual high-deductible limit ($2,950 in 2026) before the plan begins paying 100% of covered costs. Carries the lowest monthly premium of the four structures — best suited for relatively healthy beneficiaries who want catastrophic-level protection.	Similar to High-Deductible Plan G

2. Optional Riders

Riders are standalone add-ons you purchase alongside your base plan to close specific coverage gaps. Each rider you add increases your monthly premium but reduces what you pay out of pocket. Not all riders are offered by every insurer.

Rider	What It Covers	Premium Impact
Part A Deductible Rider	Covers 100% of the Medicare Part A hospital deductible ($1,736 per benefit period in 2026). Because hospitalizations can trigger a new benefit period, this rider protects against multiple deductible charges in a single year.	Higher
50% Part A Deductible Rider	Covers half (50%) of the Medicare Part A hospital deductible, leaving you responsible for the remaining 50%. A middle-ground option for beneficiaries who want partial deductible protection at a lower premium cost.	Moderate
Part B Deductible Rider Pre-2020 enrollees only	Covers the annual Medicare Part B medical deductible ($257 in 2026). Federal law restricts this rider to individuals who first became eligible for Medicare before January 1, 2020 — the same restriction that applies to federal Plan F.	Moderate
Part B Excess Charges Rider	Covers Part B excess charges — the extra amount, up to 15% above the Medicare-approved rate, that doctors who don't accept Medicare assignment are legally permitted to charge. Without this rider, you are responsible for those excess charges entirely.	Moderate
Additional Home Health Care Rider	Extends your total covered home health care visits to up to 365 medically necessary visits per year (including visits already covered by Medicare and the Basic Plan). Without this rider, your Basic Plan covers 40 visits beyond Medicare's standard benefit.	Moderate
Foreign Travel Emergency Rider	Covers emergency medical care received outside the United States — typically 80% of costs after a small deductible, up to a lifetime plan maximum. Medicare does not cover care outside the U.S. (with very limited exceptions), making this a meaningful benefit for frequent international travelers.	Lower
Part B Copay/Cost-Sharing Rider	Unlike other riders, this one lowers your monthly premium. In exchange, you agree to pay certain copayments for medical services after meeting the Part B deductible — up to $20 per office visit and up to $50 per emergency room visit (waived if admitted). Best for beneficiaries with low-to-moderate healthcare utilization.	Lowers premium

3. Carrier-Bundled Rider Packages

Some Wisconsin carriers pre-package multiple riders into a single policy to simplify comparison. These bundles combine the same individual riders described above — the coverage is identical whether purchased individually or as a bundle.

UNITED AMERICAN INSURANCE CO.

Bundle 2

Part A Deductible + Foreign Travel + Additional Home Health Care

Bundle 3

Part A & B Deductibles + Foreign Travel + Home Health + Part B Excess Charges

Bundle 4

Part A Deductible + Foreign Travel + Home Health + Part B Copay Rider (lower premium)

AARP / UNITEDHEALTHCARE

Bundle 1

Part A Deductible + Part B Excess Charges + Foreign Travel

Bundle 2

50% Part A Deductible + Part B Excess Charges + Foreign Travel (lighter coverage, lower premium)

Not sure which combination is right for you?

Our licensed agents specialize in Wisconsin's unique Medigap system and can walk you through exactly which riders make sense for your health situation and budget — at no cost to you. Because every carrier must cover the same benefits per rider, we focus on finding you the best price for the coverage you actually need.

Plan:

Gender:

Average Medigap Rates in Wisconsin

2026 average monthly premiums for non-tobacco users across all carriers.

Plan

Gender

Average Wisconsin 50% Cost-Sharing Plan Rates in Wisconsin 2026 averages · Non-tobacco · All carriers

Age	Avg. Monthly Rate
65	$138/mo
70	$163/mo
75	$189/mo
80	$215/mo

Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.

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CARRIERS

Medicare Supplement Insurance Providers in Wisconsin