Best Medicare Supplement Plans in Wisconsin 2026
Wisconsin has over 300,000+ Medigap enrollees. Wisconsin uses its own unique plan system instead of the standard federal lettered plans. Basic Plan coverage starts at just $102/mo in Milwaukee. We compared 20+ carriers to find the best coverage for Wisconsin retirees.
Wisconsin Uses a Unique Medigap Plan System
Unlike the other 47 states that use the standard federal lettered plans (A through N), Wisconsin has its own standardized plan structure. Instead of Plan G or Plan N, Wisconsin offers a Basic Plan with optional riders that let you customize your coverage. Wisconsin also requires community rating, meaning carriers cannot charge higher premiums based on your age. This makes Wisconsin one of the most consumer-friendly Medigap markets in the country.
More than 340,000 people in Wisconsin have Medicare Supplement Insurance, or Medigap. Wisconsin is one of only three states (along with Minnesota and Massachusetts) that use a unique standardized plan system instead of the federal lettered plans used in all other states. Instead of choosing between Plan G and Plan N, Wisconsin residents choose a Basic Plan and then add optional riders for additional coverage.
Wisconsin also requires community rating, meaning carriers must charge the same premium to all enrollees regardless of age. This is a major advantage over attained-age states where premiums rise every year as you get older. Wisconsin also requires insurers to offer coverage to Medicare beneficiaries under age 65, which is stronger protection than most states. WPS Health Insurance is the dominant local carrier with roughly 35% of the Wisconsin Medigap market.
Compare the Best Medicare Supplement Plans in Wisconsin
Our top-rated Medigap carriers in Wisconsin, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Milwaukee. Because Wisconsin uses community rating, these premiums apply to enrollees of all ages. Rates in Madison, Green Bay, and other regions may vary slightly.
Wisconsin Physicians Service (WPS)
Basic Plan
$118/mo
Plan N equiv.
$89/mo
AM Best
A
Wisconsin Physicians Service (WPS) is the dominant Medigap insurer in Wisconsin, holding nearly a quarter of the market. Founded in 1946 and headquartered in Madison, WPS understands Wisconsin's unique plan system better than any national carrier. Their local expertise and strong claims record make them the top pick for Wisconsin retirees.
AARP / UnitedHealthcare
Basic Plan
$134/mo
Plan N equiv.
$98/mo
AM Best
A
AARP/UnitedHealthcare is the second-largest Medigap insurer in Wisconsin. Their national scale means strong financial backing and added member benefits like a 24/7 nurse hotline. Premiums run higher than WPS, but the AARP brand and member perks attract many Wisconsin enrollees.
Physicians Mutual
Basic Plan
$102/mo
Plan N equiv.
$76/mo
AM Best
A+
Physicians Mutual offers the lowest Basic Plan premium in the Milwaukee market at $102/mo, backed by an A+ AM Best rating. Their Midwest roots and 11.6% Wisconsin market share reflect strong local trust. Best for budget-conscious enrollees who still want solid financial backing.
Anthem Blue Cross Blue Shield
Basic Plan
$126/mo
Plan N equiv.
$93/mo
AM Best
A
Anthem Blue Cross Blue Shield offers strong rider availability in Wisconsin, making it easy to build a comprehensive plan that covers Part B excess charges and extended home health care. Their 6.7% market share reflects solid Wisconsin presence, and their pricing is competitive for enrollees who want more complete coverage.
Wellabe
Basic Plan
$113/mo
Plan N equiv.
$83/mo
AM Best
A-
Wellabe (formerly Medico) offers a solid middle-ground option in Wisconsin: cheaper than AARP/UHC and Anthem, with a better complaint record than the cheapest carriers. For Wisconsin enrollees who want to save money without sacrificing service quality, Wellabe is a strong alternative worth comparing.
Medicare Supplement Prices in Wisconsin
Sample monthly premiums from top carriers in Milwaukee. Because Wisconsin uses community rating, these premiums apply to enrollees of all ages. Rates shown may include available household discounts. Madison and Green Bay rates may differ slightly.
| Insurance Company | Basic Plan Monthly | Plan N equiv. Monthly | Basic + Riders Monthly |
|---|---|---|---|
| Physicians Mutual | $102 | $76 | N/A |
| Wellabe | $113 | $83 | N/A |
| Wisconsin Physicians Service | $118 | $89 | $138 |
| Anthem Blue Cross Blue Shield | $126 | $93 | $149 |
| AARP / UnitedHealthcare | $134 | $98 | $158 |
| Mutual of Omaha | $129 | $95 | $152 |
| Humana | $131 | $96 | $155 |
| State Farm | $136 | $99 | N/A |
Lowest available in Wisconsin (Milwaukee): Basic Plan from $102/mo | Plan N equiv. from $78/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Wisconsin Basic Plan vs. Plan N Equivalent
Wisconsin's Basic Plan is the most comprehensive standard option, comparable to Plan G in other states. Here is how it compares to the lower-cost Plan N equivalent.
| Coverage Feature | Basic Plan | Plan N equiv. |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Prohibited in WI | Prohibited in WI |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Community rating | Yes | Yes |
| Avg. monthly premium (Milwaukee) | $102-$145 | $78-$110 |
*Wisconsin prohibits Part B excess charges, so both plans provide the same protection against balance billing. Wisconsin's community rating means premiums are the same for all enrollees regardless of age.
Wisconsin's community rating is a major advantage, but it does not mean all carriers charge the same price. WPS Health Insurance is the dominant local carrier with roughly 35% of the market and strong Wisconsin roots, but their premiums run higher than some national competitors. Mutual of Omaha at $118/mo offers the best combination of price, financial strength (A+ AM Best), and customer service. Wisconsin also prohibits Part B excess charges statewide, so you do not need to worry about balance billing regardless of which plan you choose. Your 6-month Open Enrollment Period at age 65 is your best window to lock in coverage without medical underwriting. Wisconsin has no birthday rule.
Wisconsin Medigap Rules You Should Know
Wisconsin Uses a Unique Plan System
Wisconsin does not use the standard federal Medigap plan letters (A through N). Instead, Wisconsin has its own standardized system built around a core Basic Plan that can be customized with optional riders. The Basic Plan covers Part A hospital coinsurance, Part A skilled nursing facility coinsurance, Part B coinsurance, blood transfusions, inpatient mental health, home health care, non-Medicare chiropractic care, and non-Medicare hospital charges. Optional riders include the Part A deductible (50% or 100%), Part B excess charges, extended home health care, and foreign travel emergency coverage.
High-Deductible and Cost-Sharing Plans Available
Wisconsin offers a high-deductible plan with a $2,950 deductible in 2026, similar to High-Deductible Plan G in other states. Wisconsin also offers a 50% cost-sharing plan (similar to Plan K, with an $8,000 out-of-pocket maximum in 2026) and a 25% cost-sharing plan (similar to Plan L, with a $4,000 out-of-pocket maximum). These options give Wisconsin enrollees more flexibility than the standard federal plan menu.
Under-65 Coverage Required
Wisconsin law requires Medigap insurers to offer coverage to Medicare beneficiaries under age 65, including those who qualify due to disability or end-stage renal disease. This is a stronger protection than most states, where under-65 coverage is optional. Premiums for under-65 enrollees may be higher than for those who enroll at 65.
No Birthday Rule or Anniversary Rule
Wisconsin does not have a birthday rule or anniversary rule. Your guaranteed-issue window is your 6-month Open Enrollment Period when you first enroll in Medicare Part B. After that window closes, insurers can apply medical underwriting and deny coverage or charge higher premiums based on health conditions.
Wisconsin OCI Regulates Medigap
The Wisconsin Office of the Commissioner of Insurance (OCI) oversees all Medigap policies sold in the state. Carriers must file rate changes and receive approval before implementing increases. You can verify carrier licenses and file complaints at oci.wi.gov or by calling 1-800-236-8517.
Free Counseling via Wisconsin SHIP
Wisconsin's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-242-1060 to speak with a trained counselor who can help you understand Wisconsin's unique plan system, compare carriers, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Basic Plan rates vs. Wisconsin market average
Plan Availability
Number of plan types and riders offered in Wisconsin
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, NerdWallet
Frequently Asked Questions
Find the Best Medigap Rate in Your Wisconsin ZIP Code
Wisconsin's community rating means premiums are the same for all ages, giving you more flexibility than most states. With Basic Plan coverage starting at just $102/mo/mo in Milwaukee, Wisconsin offers competitive rates and strong consumer protections. Enter your ZIP code to see exact rates from all available carriers in your area.