What is a Medicare Supplement?

Medicare Supplements, also known as Medigap policies, are sold by private insurance companies to help you cover the out-of-pocket costs left behind by Medicare.


When you have a Medigap policy, Medicare pays up to its limit on your medical expenses. Then, your Medicare Supplement plan starts to help with covering costs up to the plans limit. That limit usually covers what Medicare didn't, however, that will depend on which policy you select.

What do Medicare Supplements cover?

Original Medicare only covers 80% of your Part B expenses. The other 20% comes out of your pocket if you do not have a Medicare Supplement policy also referred to as Medigap. If you were to have a lengthy stay in a hospital or expensive treatments at outpatient facilities, you can see how that could add up.


Medicare Supplements pay that 20% for you.

Is there anything not covered by Medicare Supplement Plans?

Things that are not covered by Original Medicare on your Medicare Supplement:


  • Routine dental, vision, and hearing exams
  • Hearing aids
  • Eyeglasses or contacts
  • Long-term care or custodial care
  • Retail prescription drugs

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Wisconsin Basic Plan and Optional Riders

Basic Benefits Included in Medicare Supplement Policies

  • Inpatient Hospital Care: Covers the Medicare Part A coinsurance.


  • Medical Costs: Covers the Medicare Part B coinsurance (generally 20% of the Medicare-approved payment amount).


  • Covers the first 3 pints of blood each year.

Important plan information:

Plans known as "50% and 25% Cost-sharing Plans" are available as is a high-deductible plan.

3 Most Common Plans WI Equivalents

Plan F = Option 1: Basic Plan plus the riders: Part A deductible, Part B deductible, Part B excess charges, additional home health care and foreign travel emergency.

Plan G = Option 2: Basic Plan plus the riders: Part A deductible, Part B excess charges, additional home health care and foreign travel emergency.

Plan N = Option 3: Basic Plan plus the riders: Part A deductible, Part B copayment or coinsurance, additional home health care and foreign travel emergency.

Select below to see the most popular options.

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