by Russell Noga | Updated December 9th, 2023
Do you have a Medigap plan? Medicare supplement insurance offers additional financial support for hospital and medical expenses relating to Original Medicare Parts A & B. Medigap policies partially or fully cover the out-of-pocket costs for your inpatient or outpatient services.
Private healthcare companies sell Medigap plans, with dozens of firms offering these policies. You can enroll in a Medigap plan in the six-month window after your 65th birthday. During the “Open Enrollment” period, you can register your Medigap policy with any provider without undergoing medical underwriting for pre-existing conditions.
This post examines the WPS Medicare supplement plan range. We’ll review the different policies, benefits, premiums, and perks.
WPS Medicare Supplement Plans at a Glance
- WPS offers Medigap plans in Wisconsin.
- Wisconsin standardizes Medigap plans differently from other states due to federal waivers.
- WPS offers the ChooseHealthy program for discounts on wellness products and services.
- Beneficiaries have options for add-on vision, dental, and hearing plans.
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Who Is WPS?
WPS Health Insurance is a Medigap provider with headquarters in Madison, Wisconsin. The company offers individual and group healthcare plans. It provides a claims processing service for the Centers for Medicare and Medicaid Services (CMS), the U.S. Department of Veterans Affairs, and the U.S. Department of Defense.
Founded in 1946, WPS initially provided healthcare insurance for soldiers and civilians returning from World War II. The company has over 4,000 employees and operational centers in Green Bay, Eau Claire, Wausau, and Milwaukee.
WPS offers Medicare supplement plans, family, individual, short-term, and group health plans, including Administrative Services Only (ASO). WPS plans are available to Wisconsin residents and residents of 20 other states.
What Medicare Supplement Plans Does WPS Offer?
WPS offers three Medigap plans in Wisconsin.
- Basic Plan – The Highest Level of coverage with customizable riders.
- 25% Cost-Sharing Plan – Pays 75% of most Medicare Part A & B expenses.
- 50% Cost Sharing Plan – Pays 50% of most Medicare Part A & B expenses.
You can use any doctor, specialist, or healthcare facility accepting Medicare.
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WPS Medicare Supplement Plans – Benefits & Coverage
WPS Medicare supplement plans in Wisconsin are different from plans in other states. Wisconsin has a federal waiver allowing it to standardize Medigap benefits differently. WPS offers a Basic Plan, a Basic Plan with optional riders, and a 25% or 50% cost-sharing plan.
The WPS Basic Medigap Plan & Optional Riders
The Basic Plan offers you standardized benefits and the option to include riders to customize your coverage. It’s similar to Plan G in other states, allowing you to create near-comprehensive coverage for out-of-pocket expenses related to Medicare Parts A & B.
- $176 daily coverage for days 21–100 of skilled nursing care.
- 100% of Medicare coinsurance and copays for hospice care
- 40 home healthcare visits, with an optional rider for up to 365 visits.
- Optional rider for 50% or 100% coverage of the Medicare Part A deductible.
- Optional rider for coverage of the Medicare Part B deductible for beneficiaries eligible for Medicare before January 1, 2020.
- Optional rider to cover Medicare Part B excess charges.
- Optional rider for foreign travel medical emergency care.
- No out-of-pocket limits.
- Silver&Fit gym membership and wellness program
- Discounts on hearing aids, eye exams, and eyewear.
- Additional riders for preventive care services.
The 25% Cost-Sharing Plan
This cost-sharing Plan is similar to Plan L, covering 75% of Medicare Part A & B services, leaving you with a 25% financial responsibility. There’s no coverage for Medicare Part B excess charges incurred when visiting medical practitioners charging more than Medicare-approved rates.
- Up to $132 per day for days 21–100 for skilled nursing care.
- 75% of the Medicare Part A hospital deductible.
- 75% of Medicare coinsurance and copays for hospice care.
- 40 home healthcare visits, with options for up to 365 visits.
- Limits on out-of-pocket costs
- Discounts on hearing aids, eye exams, and eyewear.
The 50% Cost-Sharing Plan
- 50% coverage for the Medicare Part A deductible.
- 50% of Medicare coinsurance and copays for hospice care.
- Coverage for up to $88 per day for days 21–100 in skilled nursing care.
- 40 home healthcare visits, with an optional rider for up to 365 visits.
- Out-of-pocket limits.
- Discounts on hearing aids, eye exams, and eyewear.
What WPS Medicare Supplement Plans Don't Cover
WPS Medigap plans don’t cover the costs of expenses unrelated to Original Medicare unless otherwise specified. For instance, the plans cover the costs of hearing and vision expenses, but there’s no coverage for dental. You also don’t have coverage for prescriptions or preventive services like physiotherapy or chiropractic. The plans don’t offer coverage for stays at unskilled nursing homes.
WPS Medicare Supplement Plans – Premiums
WPS premiums range in price depending on your risk profile. The company uses your age, gender, and smoking status to set your premiums. The average cost of its Medigap plans for a 65-year-old female nonsmoker in Wisconsin are the following.
*Your premium rates may vary depending on the Plan and riders you choose and your risk profile with WPS.
WPS Medicare Supplement Plans – Additional Benefits
WPS offers its members additional benefits when they take a Medigap policy. There’s an automatic claims service for user-friendly registration of healthcare claims.
Members also receive discounted rates on gym membership ships through Silver&Fit, and discounts on supplements and wellness products with the ChooseHealthy program.
WPS also offers discounts on add-on hearing, vision, and dental plans. Members also have the option of selecting coverage for foreign travel medical emergencies.
WPS Medicare Supplement Plans – Third-Party Ratings & Reviews
WPS has no third-party ratings or reviews from companies like AM Best, the Better Business Bureau, or S&P.
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Frequently Asked Questions
What are WPS Medicare Supplement Plans?
WPS Medicare Supplement Plans are insurance plans that provide additional coverage to fill the gaps left by Original Medicare. They are offered by WPS Health Insurance, a trusted provider in the Medicare market.
Who is eligible for WPS Medicare Supplement Plans?
Individuals who are 65 years or older and enrolled in Medicare Part B are generally eligible for WPS Medicare Supplement Plans. Some states may have additional eligibility requirements.
When can I enroll in a WPS Medicare Supplement Plan?
You can enroll in a WPS Medicare Supplement Plan at any time of the year. There are no specific enrollment periods for these plans.
What are the key differences between Medicare Supplement Plan G and Plan N offered by WPS?
Medicare Supplement Plan G and Plan N both offer comprehensive coverage, but they differ in terms of cost-sharing and coverage for certain benefits. Plan G provides coverage for all Medicare Part A and Part B coinsurance, deductibles, and excess charges, while Plan N requires you to pay a copayment for certain services and does not cover excess charges.
What does WPS Medicare Supplement Plan G cover?
WPS Medicare Supplement Plan G covers the coinsurance, copayments, and deductibles of Medicare Part A and Part B, as well as Part B excess charges. It may also offer coverage for foreign travel emergency care and other additional benefits.
What does WPS Medicare Supplement Plan N cover?
WPS Medicare Supplement Plan N covers most of the same benefits as Plan G, except for Part B excess charges and a copayment for some doctor’s office visits and emergency room visits. It still provides coverage for Medicare Part A and Part B coinsurance, copayments, and deductibles.
Can I see any doctor or specialist with WPS Medicare Supplement Plans?
Yes, with WPS Medicare Supplement Plans, you can generally see any doctor or specialist who accepts Medicare assignment. These plans provide you with the flexibility to choose healthcare providers that participate in the Medicare program.
Are WPS Medicare Supplement Plans standardized?
Yes, Medicare Supplement plans, including those offered by WPS, are standardized. This means that the coverage for each plan type, such as Plan G or Plan N, is the same regardless of the insurance company offering the plan. However, premium rates may vary.
Can I switch from one WPS Medicare Supplement Plan to another?
Yes, you can switch from one WPS Medicare Supplement Plan to another if you wish to change your coverage. However, if you want to switch plans outside of your initial enrollment or guaranteed issue period, you may be subject to medical underwriting.
Where can I get more information about WPS Medicare Supplement Plans?
To get more information about WPS Medicare Supplement Plans, you can visit the official website of WPS Health Insurance, contact their customer service representatives, or reach out to a licensed insurance agent who can provide guidance based on your specific needs.
Call Us for More Information on WPS Medicare Supplement Plans
For more information on WPS Medigap plans or Medigap in Wisconsin, Massachusetts, or Minnesota, call us at 1-888-891-0229. Our fully licensed Medigap agents can assist you with sourcing the best Medigap plan to suit your healthcare requirements and budget.
If you can’t call us right now, complete the contact form on this site, and we’ll get a Medigap expert to call you back. Or you can use the free tool on our site for an automated quote on any Medigap plan.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.