Medicare Supplement

Medigap in Wisconsin for 2027: 23 Insurers and the Plans They Sell

MILWAUKEE — Wisconsinites shopping for a Medicare Supplement policy for 2027 will find a crowded field on Medicare.gov's Medigap policy search, and a set of plan designs that look different from what their relatives in other states see. Wisconsin is one of three states that writes its own Medigap rulebook, so the familiar federal letters (A through N) are mostly replaced by a state-standardized Basic Plan, optional riders, and a handful of cost-sharing variations.

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Here is what the Medicare.gov listing for ZIP code 53202 shows, how the Wisconsin version of Medigap works, and the dates and rights worth marking on the calendar.

What is Medigap and how is it different from Medicare Advantage in Wisconsin?

Medigap is private insurance that pays some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copays. It works alongside Original Medicare (Parts A and B); it is not Medicare Advantage, which replaces how you get your Part A and Part B benefits through a private plan.

With Medigap plus Original Medicare, you can generally see any provider in the country that accepts Medicare. With Medicare Advantage, care is usually delivered through the plan's network and rules. You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time.

Which insurers sell Medigap in Wisconsin and what plans do they offer?

Medicare.gov's Medigap policy search for ZIP code 53202 lists 23 insurers offering Medigap coverage to Wisconsin residents. In alphabetical order, they are: AARP – UnitedHealthcare Insurance Company; Aetna Health Insurance Company; AFLAC; American Benefit Life Insurance Company; Anthem Blue Cross and Blue Shield – Wisconsin; Bankers Life (underwritten by Washington National Insurance Company); Erie Family Life Insurance Company; GPM Health and Life Insurance Company; Guarantee Trust Life Insurance Company; HealthSpring National Health Insurance Company; Humana (Humana Insurance Company); Humana Achieve (Emphesys Insurance Company); Insurance Company of North America; Lumos Insurance; Medico Insurance Company; Mutual of Omaha (Omaha Insurance Company); Pekin Life Insurance Company; Philadelphia American Life Insurance Company; Physicians Select Insurance Company; Security Health Plan of Wisconsin, Inc.; State Farm Mutual Automobile Insurance Company; United American Insurance Company; and Wisconsin Physicians Service Insurance Corporation.

Because Wisconsin standardizes its own Medigap plans, you compare offerings by the state's names: the Wisconsin Basic Plan (with optional riders you can add), a 50% cost-sharing plan, a 25% cost-sharing plan, and a high-deductible plan. Which specific plans and riders a given insurer sells can differ by ZIP code and by applicant age, sex and tobacco use, so always confirm the exact lineup for your address on Medicare.gov or with the insurer.

What is the six-month Medigap Open Enrollment Period in Wisconsin and why does it matter?

A person's Medigap Open Enrollment Period is a one-time, six-month window that starts the month they are 65 or older and enrolled in Medicare Part B. During that window, Wisconsin residents can buy any Medigap policy sold in the state without medical underwriting — the insurer cannot turn them down or charge more because of health history.

Outside that window, in most situations an insurer can ask health questions and decide whether to issue a policy and at what price, unless a guaranteed-issue right applies. That is why the six-month window is the easiest time to pick a Medigap plan.

What happens in Wisconsin if my Medicare Advantage plan is not returning in 2027?

According to the CMS Landscape files, 15 Medicare Advantage plans offered somewhere in Wisconsin in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in one of those plans, federal rules give you a guaranteed-issue right to buy certain Medigap plans — meaning an insurer must sell you one of the specified policies, cannot use your health to decide, and cannot impose a pre-existing condition waiting period.

Your plan should send a non-renewal notice explaining your options and deadlines. You can also compare your choices on Medicare.gov or by calling 1-800-MEDICARE.

Does Medigap cover prescriptions in Wisconsin, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so Wisconsin residents who want drug coverage choose a stand-alone Medicare Part D plan separately. Part D plans are offered by private insurers and chosen or changed during Annual Enrollment, October 15 – December 7, 2026, for coverage that starts January 1, 2027.

For 2027, no Part D plan may charge more than $700 as its annual deductible, and the out-of-pocket cap on covered drugs is $2,400 (up from $2,100 in 2026). The national Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; the premium you actually pay is set plan by plan.

How should Wisconsin shoppers compare Medigap policies for 2027?

Start on Medicare.gov's Medigap policy search, which lists the insurers filed to sell in your ZIP code and the Wisconsin-standardized plans each one offers. Because benefits inside a given Wisconsin plan name are the same from insurer to insurer, the comparison is largely about premium, rider options, the insurer's rate history, and customer service.

Ask each insurer how it sets premiums (for example, by age at issue or attained age), whether rates have changed in recent years, and which optional riders are available on the Basic Plan. Get quotes in writing and based on your actual age, sex, tobacco status and ZIP code.

Where can Wisconsin residents get free help with Medicare for 2027?

The two no-cost, non-sales resources are Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. Both can walk through Medigap, Part D and Medicare Advantage choices, confirm enrollment windows, and explain guaranteed-issue rights.

Social Security also announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which is separate from Medicare but often matters to household budgeting around Medicare costs.