What Are the Best Medicare Supplement Plans in Wisconsin? (2026)
Blue Cross Blue Shield (BCBS) is the best Medicare Supplement company in Wisconsin.
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BCBS has the cheapest rates for Base plans of any major Medigap company in the state. Blue Cross Blue Shield also has excellent customer satisfaction. For added benefits like a gym membership and discounts on hearing, vision and dental care, AARP/UnitedHealthcare is a good choice.
What's the best Medicare Supplement company in Wisconsin?
Blue Cross Blue Shield sells the best Medicare Supplement plans in Wisconsin.
And AARP/UnitedHealthcare has more extra benefits than other companies, so it's a good option for added value.
Top Medicare Supplement companies in Wisconsin
Company |
Customer satisfaction (out of 5.0)
| Base plan rate | |
|---|---|---|---|
| BCBS | $128 | |
| AARP/UHC | $163 | |
| Medico | $171 | |
| WPS | $153 | |
| Physicians Mutual | $184 | |
Average monthly rates are for a 65-year-old woman who does not smoke.
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Medicare Supplement plans in Wisconsin
Wisconsin Medigap plans are different from plans in the rest of the country.
Essentially, Wisconsin allows you to build your own Medigap policy.
- If you're new to Medigap and aren't sure where to start, look at the "Base" plan. The Base plan pays more of your medical bills than other plan types.
- If you want a cheaper option, you could opt for a high-deductible or 50% cost-sharing plan. Choosing one of these plan types might lower your monthly rate, but you'll pay more toward your own medical care and your plan will pay less.
- Finally, you can add extra benefits to give yourself coverage for more medical services. For example, you pay more each month to get coverage for your foreign medical care or your Part A deductible.
Best Medigap in Wisconsin: Blue Cross Blue Shield (BCBS)
| ValuePenguin rating | |
| Customer service |
- Base: $128
Blue Cross Blue Shield has excellent customer service and cheap rates for Base plans, making it the best Medigap company in Wisconsin for most people.
Base plans from BCBS cost just $128 per month, which is $37 cheaper than the state average.
Blue Cross Blue Shield has some of the best customer service in Wisconsin. Its Medigap plans get very few complaints compared to an average company the same size. That means most people are happy with their BCBS Medigap plans.
Choosing a company with good service is especially important if you need lots of medical care. You're less likely to have issues with getting your medical bills paid for if your company is known for its service.
And while Blue Cross Blue Shield doesn't offer high-deductible plans or cost-sharing plans, the company does have lots of extra coverage options you can add to customize your Medigap plan. You can add coverage for Part B excess charges, home health care, emergencies while you're traveling out of the country and your Part A deductible. If you were eligible for Medicare before 2020, you can also add coverage for your Part B deductible.
Best for added benefits: AARP/UnitedHealthcare
| ValuePenguin rating | |
| Customer service |
- Base: $163
AARP/UnitedHealthcare (AARP/UHC) has the best perks of the major Medigap companies in Wisconsin.
With an AARP/UHC Medigap plan, you can get a free gym membership, access to a 24/7 nurse line, and discounts on hearing, vision and dental care. You also get access to AARP's full suite of discounts, including savings on hotels, restaurants and rental cars.
You have to join AARP to buy an AARP Medigap plan. Membership is fairly cheap, though, at just $20 per month. Joining AARP gives you access to the company's range of perks and discounts.
AARP/UnitedHealthcare has average rates for a Base plan, at $163 per month. You can customize your Base plan with coverage for your Part B deductible and home health care. The company also has some unique coverage packages. For example, you can add a package that covers your Part A deductible, Part B excess charges and foreign travel emergencies.
Cost-sharing plans: Only offered by Humana
Humana is the only company that sells cost-sharing Medigap plans in Wisconsin.
Wisconsin has two cost-sharing plans available. With the 50% plan, you evenly split your medical bills with the insurance company. With the 25% plan, you pay for 25% of your costs and the insurance company pays the remaining 75%. Cost-sharing plans cover the same medical situations as the Base plan. The only difference is how you split the cost with your insurance company.
Base plans give you better coverage than cost-sharing plans. Cost-sharing plans should cost less than Base plans because they require you to pay for more of your medical bills. But because only one company in Wisconsin offers these plans, cost-sharing plans are usually a bad deal.
For example, Humana's 25% cost-sharing plan costs $191 per month, on average, which is more expensive than an average price of a Base plan.
How much does a Medigap plan cost in Wisconsin?
Base Medigap plans in Wisconsin cost an average of $165 per month, on average.
Rates depend on the company and plan options you choose. You can also choose from a cost-sharing plan or a high-deductible plan option. In Wisconsin, you can choose extra coverage benefits, which will cost more.
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Your age, gender and health also affect your rates.
For example, a 65-year-old woman who doesn't smoke pays an average of $165 per month for a Base plan. The same plan for a 75-year-old woman costs $218 per month, on average.
Meanwhile, a 65-year-old man can expect to pay an average of $184 per month. By age 75, his average rate is $241 per month.
Wisconsin Medicare Supplement plan costs
Medigap plan | Monthly cost |
|---|---|
| High-deductible | $74 |
| 50% cost-sharing | $142 |
| Base | $165 |
| 25% cost-sharing | $191 |
Average monthly rates are for a 65-year-old woman who does not smoke.
How does Medigap work in Wisconsin?
Wisconsin has its own system for Medigap plans that is different from the rest of the country.
When you buy a Medicare Supplement plan in Wisconsin, you usually start with a Base plan. The Base Wisconsin Medigap plan sets the coverage standards for Medigap in the state. The Base plan covers:
- Your part of Medicare Part A costs for hospital, skilled nursing facility and hospice care
- Inpatient mental health care for 175 days (in addition to what Medicare already covers)
- 40 home health care visits (in addition to what Medicare already covers)
- Your part of Medicare Part B doctor visit costs
- Three pints of blood per year for transfers
- All other benefits that the state of Wisconsin requires, such as some cancer testing and chiropractic care
You could also choose a high-deductible plan or a "cost-sharing plan."
If you opt for the high-deductible version of the Base plan, you have to pay the first $2,875 of your health care costs each year before your Medigap plan will start covering things. After that, your plan will pay all your covered costs.
The cost-sharing versions require you to split your health care costs with your insurance company each year until you reach an out-of-pocket maximum. For the 50% cost-sharing plan, you pay half of your medical costs until you reach $7,220. For the 25% cost-sharing plan, you pay 25% of your medical costs and your health insurance company pays 75% until you reach $3,610.
Once you've chosen your plan, you have the option to add on extra benefits to create a policy that covers the medical situations you might face. These optional benefits might include:
- Coverage for your full Medicare Part A deductible
- Extra home health care
- Coverage for your full Part B deductible
- Coverage for Part B excess charges
- Foreign travel emergency care
- Coverage for half of your Part A deductible
- Coverage for any Part B copayments
Not all insurance companies offer the same options. If you want coverage for a specific situation, make sure to confirm that your company offers that benefit.
Frequently asked questions
What is the best Medicare Supplement plan in Wisconsin?
Blue Cross Blue Shield has the best Base Medicare Supplement plans in Wisconsin. The company has low rates and good customer satisfaction. However, AARP/UnitedHealthcare is a better option for added perks. And Humana is the only company that sells cost-sharing plans in Wisconsin.
How much is Medigap in Wisconsin?
In Wisconsin, a Base Medigap base plan costs $165 per month, on average. The amount you pay for coverage depends on factors like your age, gender, the company you choose and whether you smoke. You can get a cheaper rate by choosing a high-deductible plan or a 50% cost-sharing plan. But you'll pay more if you add on extra coverage.
How are Medigap plans different in Wisconsin?
Medigap plans in Wisconsin let you add extra coverage to personalize your policy. You only have four plan options, but you can customize them to the coverage you need. In other states, you can choose between several different Medigap plans, but you can't alter the coverage of the plans.
Is Medigap Plan G available in Wisconsin?
No, Plan G isn't available in Wisconsin. However, you can get coverage that's similar to a Plan G by choosing a Base plan and adding coverage for your Part A deductible, Part B excess charges and foreign travel emergencies.
Methodology and sources
Medicare Supplement rates are averages based on actuarial data for private health insurance companies in Wisconsin. Only companies with around a 2% or higher market share in Wisconsin were considered in this analysis. Rates for some large Medigap companies were not available. All costs are averages for a 65-year-old woman who does not smoke, unless otherwise noted. Rates are also based on the initial enrollment period, when medical issues are not factored into plan costs.
ValuePenguin's experts chose the best companies based on an analysis of rates and complaint data collected by the National Association of Insurance Commissioners (NAIC). Other sources include Medicare.gov, the Centers for Medicare and Medicaid (CMS) and the Wisconsin Office of the Commissioner of Insurance.
Customer satisfaction was ranked based on average complaint data from the National Association of Insurance Commissioners (NAIC). The data was converted into a ranking on a five-point scale. Lower scores mean fewer complaints, which translates to better customer service.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | At least 75% fewer complaints than typical |
| 4.5 | 50% to 74% fewer complaints than typical |
| 4.0 | 25% to 49% fewer complaints than typical |
| 3.5 | 6% to 24% fewer complaints than typical |
| 3.0 | 5% fewer to 5% more complaints than typical |
| 2.5 | 6% to 49% more complaints than typical |
| 2.0 | 50% to 99% more complaints than typical |
| 1.5 | 100% to 249% more complaints than typical |
| 1.0 | At least 250% more complaints than typical |
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
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- BA, Theatre, Purdue University
- BA, English, Indiana University
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