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Wisconsin Medicare Insurance
Turning 65 and exploring medicare insurance options?






WISCONSIN MEDICARE INSURANCE PLANS

Medicare Supplement and Medicare Advantage plans are important insurance products to consider after enrolling in Medicare Part B. Original Medicare, offered by the Social Security Administration, provides a foundation of benefits to help pay for the most pressing medical expenses, but not to pay medical bills in their entirety. Depending on your insurance needs and health care expenses, original Medicare may not be adequate coverage.

MEDICARE SUPPLEMENT AND MEDICARE ADVANTAGE PLANS

Medicare Supplement and Medicare Advantage Plans are the two primary tools Wisconsin Seniors have available to address these areas. While they may sound similar, they are very different insurance plans with distinct benefits. Medicare Supplement, or Medigap plans, are policies governed by our Wisconsin Commissioner of Insurance. They are designed to cover expenses not covered by Medicare Parts A and B. You have the freedom to choose the doctors and hospitals you visit, and the plans are guaranteed to be renewable.
Click for more on Medicare Supplement plans.

Medicare Advantage plans are plans overseen by the Federal Government and offered by private insurance companies. They provide coverage the equivalent of Parts A and B, and may offer additional benefits. You must see in-network providers if the plan is an HMO or PPO. In addition, plans may be changed or canceled annually by the insurance company.
Click for more on Medicare Advantage plans.

MEDICARE PRESCRIPTION DRUG PLANS

Medicare prescription drug coverage (Part D) adds to your Medicare health care coverage. It helps pay for both brand-name and generic drugs. Medicare drug plans are overseen by the Federal government and offered by private insurance companies. Everyone with Medicare has to make a decision about prescription drug coverage. If you do not enroll in a Medicare Prescription plan when you first go on Medicare, and later you wish to enroll because of increasing drug cost, Medicare will assign a penalty of 1% for each month that you did not have a drug plan. This penalty is cumulative and continues for as long as you have a drug plan.
Click for more on Medicare Prescription Drug plans.

ALSO OFFERING FINAL EXPENSE INSURANCE PLANS

Final Expense Plans, also known a Funeral Trusts, are a way to transfer funds to cover your funeral and burial costs. Special rules governing funeral trusts allow these funds to be protected from creditors such as hospitals and nursing homes so that your survivors are free to plan a funeral without worrying about how to pay for it. Funeral bills are sent directly to the insurance company and they pay them up to the policy amount. If there are excess funds, it is sent to the estate of the deceased or another named beneficiary. Single premium plans can be issued up to age 99 with just one health question, and there are monthly plans available.
Click for more on Funeral Trusts.

WE’RE HERE TO HELP YOU GET THE RIGHT FACTS

At Future Financial Resource Group, we work with Wisconsin Seniors every day to help them understand and select from insurance plans including Medicare Supplement, Medicare Advantage, and Medicare Prescription Drug plans. Our #1 goal is to help Wisconsin residents make sound decisions for their insurance needs.




Serving the Wisconsin communities of:
Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Oshkosh, Eau Claire,
Janesville, La Crosse, Sheboygan, Fond du Lac, Wausau, Superior and Stevens Point.

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