Medicare Supplement

Choosing the Best Medicare Supplement Insurance Plan

Medicare Supplement Medigap insurance is private health insurance designed mainly for people over 65 to supplement Medicare’s benefits by filling in some of Medicare’s coverage.

A Medicare Supplement Medigap policy generally pays for Medicare approved charges not paid by Medicare because of deductibles or coinsurance amounts for which you are responsible.

However, Medicare Supplement policies are highly regulated by State and Federal laws. These laws protect you.

All states (except Massachusetts, Minnesota & Wisconsin), insurance companies can only sell you a “standardized” Medigap policy. Standardized Medigap policies are identified by letters (Medigap Plans A through L) as described in the Centers for Medicare & Medicaid Services (CMS) Booklet “Choosing a Medigap Policy”

In Wisconsin, all policies must provide a basic set of benefits and are allowed to offer certain options that you may choose. Each of the options that an insurance company offers must be priced and sold separately from the basic policy. Refer to Wisconsin Guide to Health Insurance for People with Medicare.

Some insurance companies offer Medicare supplement or Medicare select cost-sharing policies. Benefits are provided after you have paid 25% or 50% cost sharing up to a maximum in out-of-pocket expenses during a calendar year. The out-of-pocket limits for Medicare supplement or Medicare select cost-sharing policies are updated each year and are based on estimates of the United States Per Capital Costs (SPCC) of the Medicare program published by CMS.

Many insurance companies market Medicare Supplement (Medigap) protection, but they may not provide the same benefit choices. And even those that do frequently cost more than other plans providing identical coverage. So, it really pays to compare.


As of January 1, 2020, Medicare Supplement Medigap plans sold to new people with Medicare aren't allowed to cover the Part B deductible, or (Part B deductible rider in Wisconsin). Because of this, Plans C and F (as part of the standardized plans) are not available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.

Get Peace of Mind!

Let us help you navigate your Medicare Supplement insurance options!

Consult with a professional Midwest Senior Select, Inc. representative for your Medicare Supplement insurance needs at:

262-241-3662 or 800-251-3662

Or, please complete the following form, and submit your information. You will be contacted by one of our representatives to answer any questions and give you comparison quotes with several leading Medicare Supplement insurance companies.

Font Resize