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Wisconsin Medicare Insurance

Wisconsin Medicare Supplement Rider Options

In Wisconsin, the primary Medicare Supplement plan is called the Wisconsin Basic Plan. This plan offers the following benefits:

  • Inpatient hospital care
  • Medicare Part B coinsurance costs
  • Blood, up to the first 3 pints
  • Skilled nursing facility coinsurance
  • Home health care - 40 visits in addition to those paid by Medicare
  • Inpatient mental health care - 175 days per lifetime in addition to Medicare
  • Outpatient mental health

Wisconsin Basic plans can be expanded to provide additional coverage in specific areas by adding optional riders. In Wisconsin, there are 5 riders available.

Part A Deductible Rider - One of the most important riders for your policy. The Part A rider pays for your Part A deductible of $1260 per benefit period (for the year 2015). A Medicare hospital benefit period is 60 days, and there can be up to four benefit periods in a year.

Medicare Part B Deductible and Copayment/Coinsurance Rider - Another option is the Part B Deductible rider, which pays your Part B deductible of $147 for 2015. As an alternative, you may select the Part B Copayment or Coinsurance rider. With this coverage, you will have to pay the Medicare Part B deductible. After this deductible is met, the policy will pay for Part B services. In addition to the deductible, you will pay up to a $20 co-pay for a doctor's office visit or up to $50 for an emergency room visit.

Wisconsin Medicare Part B Excess Charges - A doctor may accept Medicare, but might not accept Medicare assignment, the amount that Medicare will approve to pay. If a doctor doesn't accept Medicare Assignment, he is allowed to charge up to 15% more than what Medicare will approve and pay, (The Medicare Limiting Amount). The Part B Excess Charges Rider will cover the difference between the excess charge and what Medicare approves to pay.

Wisconsin Additional Home Health Care Rider – Extends the Wisconsin Basic plan coverage from 40 to 365 home health care visits per year (including those paid by Medicare).

Wisconsin Foreign Travel Emergency Rider – Provides up to $50,000 of coverage for Medicare Approved medical expenses incurred outside the United States (this includes cruise ships outside of US boundary waters), after meeting a $250 deductible.

Your FFRG agent can help you evaluate these options and guide you through making the right choice for your insurance needs.

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Medicare Supplement Insurance Plan Disclosures

Neither Future Financial Resource Group nor the Medicare Supplement insurance policies it sells are connected with or endorsed by the U.S. government or the federal Medicare program.

Plans may be available to persons eligible for Medicare by reason of disability. All plans may not be available in your state/area. Call to receive complete information including benefits, costs, eligibility, requirements, exclusions and limitations.

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