As residents of the nation’s top cheese-producing state, Wisconsinites know a thing or two about aging well. With that in mind, if you’re Medicare-eligible or close to it, there are several top-notch options for coverage in The Badger State. To find the Best coverage for Medicare in Wisconsin, consider exploring Medicare Advantage plans, also known as Part C, which offer a variety of perks that the more traditional Original Medicare doesn’t provide.
These plans typically include prescription drug coverage. Some also come with fitness and wellness programs, travel benefits, and other perks. A few of these plans even offer dental coverage. In addition, they often feature a provider network that includes a select group of doctors and other healthcare providers who have agreed to take lower rates from the insurance companies than they would receive under regular Medicare.
If you choose a Medicare Advantage plan with a provider network, you must use these doctors and healthcare providers for your care. Visiting a doctor or healthcare provider outside of your network can result in higher costs or being denied services entirely. These costs and other details are why it’s important to carefully consider all of your Medicare plan options.
Medicare Advantage plan options vary by carrier. Some Wisconsin counties offer between 26 and 39 different Medicare Advantage plan options, while others only have 11 to 25 available plans. The best Medicare Advantage plan in Wisconsin for you depends on your specific medical needs and financial situation.
To help you compare your options, MoneyGeek has sourced relevant Medicare Advantage statistics from Wisconsin. The HealthPartners Robin (PPO) Medicare Advantage plan is our top pick in the state due to its six core benefits, low maximum out-of-pocket limit (MOOP), and high star rating from CMS.
You can also compare Medicare Advantage plan options by comparing premiums, deductibles, copays, and coinsurance costs. It’s also worth weighing whether the cost of switching to an alternative Medicare option is worth it in your particular situation.
Medicare beneficiaries can also get additional coverage in the form of a Medigap policy, which helps pay your portion of Medicare’s costs. These plans are offered by many Wisconsin insurance companies, including Mutual of Omaha, AARP/UnitedHealthcare, and Wisconsin Physicians Service. In addition, some Medicare Advantage plans in Wisconsin include additional coverage that can save you money such as free preventive care visits and discounts on hearing, vision, and fitness costs. For more information on your Medicare plan options in Wisconsin, you can contact the Social Security Administration and local licensed insurance agents. You can also seek guidance from trained, unbiased counselors.