Medicare is a valuable benefit, but it doesn’t pay for everything. If you have Medicare alone, there’s a chance you could be left with the inconvenience of covering the 20% that Medicare usually leaves behind. WPS Medicare supplement insurance helps reduce these out-of-pocket costs when you need medical care.
With Medicare supplement insurance plans, you have the freedom to visit any doctor or specialist who accepts Medicare, anywhere in the United States. And you don’t need a referral to see a specialist.
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Our customers get special programs and services with their plan, including:
Medicare can be confusing. Feel free to ask us your questions using our online chat tool. We’re here for you Monday–Friday from 8 a.m. to 4 p.m. CT.
Valuable programs included with your plan3
Medicare Supplement Insurance (Medigap) FAQs
In most cases, yes. You can go to any doctor, health care provider, hospital, or facility nationwide that's enrolled in Medicare and accepting new Medicare patients. There are no networks with our Medicare supplement insurance plans. Referrals are not required.
Original Medicare combined with a Medicare supplement plan has some similarities to Medicare Advantage, but they are actually very different. One of the most important decisions you have to make is what type of Medicare coverage to enroll in. There are multiple factors to consider. It can be easy to make the wrong choice, a choice you may not be able to undo. Visit our explainer video page for more information on the differences between Medicare supplement insurance and Medicare Advantage.
No, Medicare supplement policies and Medicare Advantage plans can’t work together. Your Medigap policy can't be used to pay your Medicare Advantage Plan copayments, deductibles, or premiums.
If you joined a Medicare Advantage Plan for the first time and you aren’t happy with the plan, you have special rights under federal law to buy a Medicare supplement policy. You have these rights if you return to Original Medicare within 12 months of joining.
In most cases, you can only leave a Medicare Advantage plan during certain times of the year, such as:
The best time to buy a Medicare supplement policy is the six-month period that starts the first day of the month you're 65 or older and enrolled in Medicare Part B. For example, if you turn 65 and are enrolled in Part B in June, the best time for you to buy a Medicare supplement policy would be from June until November. If you have questions, please call us at 1-800-332-0891.
You have a once-in-a-lifetime Open Enrollment Period unless you’re collecting Social Security disability insurance. This window:
If you enroll during your Open Enrollment Period, you have guaranteed issue rights. This means an insurance company is required to:
Applying outside your open enrollment window can result in higher premiums, as well as restrict your coverage options. However, you can still apply to enroll in a Medicare supplement plan at any time of the year.
There are a handful of instances in which you are eligible for guaranteed issue rights with Medicare supplement plans. They usually occur when you lose coverage for reasons out of your control or when you move. Some of the situations when an insurance company can’t refuse to sell you a Medicare supplement policy include when:
It’s critically important to find out from the employer whether you need to enroll in Medicare. If you do, find out exactly how the employer coverage fits in with Medicare. If you’re told you don’t, get that decision in writing. If you’re over 65 and receive coverage under a group health plan provided by an employer for which you or your spouse actively works, you have the right to delay Medicare enrollment until the job ends or the coverage ends, whichever occurs first. At that point, you’re entitled to a special enrollment period of up to eight months to sign up for Medicare without risking late penalties.
If the employer has 20 or more employees, the law stipulates that those 65 and older (and their spouses) must be offered exactly the same health benefits that are offered to younger employees (and their spouses). In this situation, the employer cannot require you to sign up for Medicare when you turn 65 or become eligible for Medicare due to disability.
However, the law does not give the same protection to people who work for smaller employers with fewer than 20 employees. In this situation, an employer is allowed, but not obligated, to require you to sign up for Medicare when you become eligible. In that case, Medicare would become your primary coverage. That means Medicare would settle your medical bills first, and the employer plan would only pay toward services that it covers but Medicare doesn’t. Therefore, if you are required to sign up for Medicare but don’t, you’ll essentially be left with little or no health coverage.
There is one situation when you definitely will need to delay Medicare enrollment until you retire: if your employer’s coverage is a high-deductible health care plan paired with a health savings account (HSA). Under IRS rules you cannot contribute to an HSA in any month in which you are enrolled in any part of Medicare (Parts A, B, or D).
Medicare supplement plans are “guaranteed renewable,” meaning as long as you pay the premium, the insurance company cannot cancel the coverage.
Plans that offer the most comprehensive coverage usually have a higher premium. Premiums vary by insurance company and premium amounts can change multiple times a year. At WPS our rates only increase once a year, so there are no surprises. The main goal of a Medicare supplement insurance plan is to help cover some of the out-of-pocket costs of Original Medicare (Parts A and B).
You can see the chart included below or search and compare Medicare supplement plans offered by your ZIP code at Medicare’s official website.
|Add Optional Riders||Basic Plan Only
Highest coverage option
|Basic Plan with Copay/Coinsurance Rider
Second-highest coverage option
|Medicare Part A Deductible||100% or 50%||100% or 50%|
|Medicare Part B Excess Charges|
|Additional Home Health Care|
|Additional rider only available to applicants first eligible for Medicare before 1/1/2020.|
|Medicare Part B Deductible*|
No, a Medicare supplement plan does not include outpatient prescription drug benefits. Instead, Medicare offers prescription drug coverage under a stand-alone Part D plan. Our representatives can guide you on how to shop for these plans. Call us today at 1-800-332-0891
Medicare supplement plans typically do not offer coverage for routine dental, vision, or hearing care, or for prescription drugs, but some plans offer stand-alone programs. WPS Medicare supplement insurance plans come with the following services, most at no additional cost:
Typically, no. If your provider participates in Medicare (also called accepting Medicare assignment), they will file the claim with Medicare. Medicare will then automatically forward the claim to your insurer for processing.
No, a Medicare supplement policy only covers one person. If you and your spouse both want Medicare supplement coverage, you will have to buy separate policies. However, WPS offers a 7% household discount when two or more individuals who reside together in the same dwelling have WPS Medicare supplement coverage. A dwelling is defined as a single home, condominium unit, or apartment unit within an apartment complex.
Yes, you get a 7% household discount when two or more individuals who reside together in the same dwelling have WPS Medicare supplement coverage. A dwelling is defined as a single home, condominium unit, or apartment unit within an apartment complex.
You can keep your current Medicare supplement policy no matter where you live, as long as you still have Original Medicare. If you want to switch to a different Medicare supplement policy, you'll have to check with your current or new insurance company to see if they'll offer you a different policy. If you decide to switch, you may have to pay more for your new Medicare supplement policy. You may also have to answer some medical questions if you're buying a new policy outside of your open enrollment period.
Yes, if you have Original Medicare with a Medicare supplement, you are covered anywhere in the United States that accepts Medicare.
Most Medicare supplement insurance carriers have plan options that include foreign travel benefits that provide some medical insurance coverage when traveling abroad. WPS offers travel emergency coverage up to $100,000.
Yes! WPS offers regular free webinars that will explain Medicare and its parts, the pros and cons of different options, expected changes, and more. You can sign up for one of our webinars.
Yes! You can discuss your specific medical and financial needs so you can find the best Medicare supplement plan for you. You can speak with a licensed WPS agent at 1-800-332-0891.
Yes, if you are eligible for Medicare, Wisconsin is a state that requires insurance companies to offer at least one kind of supplement policy to people with Medicare under age 65.
The best plan is one that meets your individual needs, both medically and financially. You can speak with a licensed WPS agent at 1-800-332-0891, call Medicare at 1-800-MEDICARE, or contact an independent agent. If you are already a customer, please call the number on your ID card.
Policies may include preventive health care services such as routine physical examinations, immunizations, health screenings, and private duty nursing services. Call WPS today at 1-800-332-0891 to see which of these services are covered.
Wisconsin is one of three states where Medicare supplement plans are standardized differently. Wisconsin offers a Basic Plan that you can pair with riders for more coverage. The best choice for you depends on your budget and needs. Talking to a WPS agent can make the process go faster and help you save money. Call us today at 1-800-332-0891.
*Based on enrollment data submitted to the National Association of Insurance Commissioners, 2022. 1Based on historical approved Wisconsin standardized plan rate increases. 2Two or more individuals who reside together in the same dwelling. Dwelling is defined as a single home, condominium unit, or apartment unit within an apartment complex. 3Fitness, vision, hearing, and wellness programs are not insurance, are not part of the insurance policy, and can be changed or discontinued at any time. The Silver&Fit program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health. Please talk with your doctor before starting or changing your exercise routine. All programs and services are not available in all areas. Participating facilities and fitness chains may vary by location and are subject to change. Limitations, member fees, and restrictions may apply. Kits are subject to change. The ChooseHealthy program is provided by American Specialty Health Group, Inc. and ASH Technologies, Inc. (dba ASH Technologies of Delaware, Inc. in the state of Pennsylvania); all are subsidiaries of American Specialty Health Incorporated (ASH), a national provider of fitness, health education, musculoskeletal provider networks, and health management programs. Silver&Fit, ChooseHealthy, and the Silver&Fit and ChooseHealthy logos are federally registered trademarks of ASH and used with permission herein. ChooseHealthy programs must be made available in conjunction with a health plan policy issued by a licensed carrier at no additional cost to the plan’s enrollees. ChooseHealthy programs do not provide covered services under such policies and are not insurance. No providers are paid or benefits reimbursed by ASH under ChooseHealthy programs. Silver&Fit and ChooseHealthy not available with cost-sharing plans. The people in this piece are not Silver&Fit members. Vision program is offered at no additional charge and is administered by EyeMed Vision Care, LLC. Hearing program is offered at no additional charge and is administered by Hearing Care Solutions, Inc. 4Basic plans include Medicare Part B preventive services with no maximum benefit amount. Cost-sharing plans do not include this benefit. 5Requires purchase of an additional rider.6WPS has partnered with Delta Dental to provide dental coverage. Dental policies are underwritten by Delta Dental of Wisconsin.