Updated July 2, 2026
Wisconsin does not use the standard A through N Medigap plan letters that apply in every other state. If you have been comparing Plan G premiums across states, Wisconsin works differently, and the comparison does not translate directly.
How Are Medigap Premiums Calculated in Wisconsin
Per the Wisconsin Office of the Commissioner of Insurance, Wisconsin uses a Basic plan structure with optional supplemental riders rather than the federal lettered plans. The Basic plan covers a core set of Medicare cost-sharing, and you add riders to expand coverage. What gets sold as a "Plan G equivalent" in Wisconsin is a Basic plan with specific riders attached, and the combination that adds up to roughly the same coverage as Plan G elsewhere runs around $141 per month. Because the plan architecture is different, you cannot directly compare a Wisconsin policy to a standardized plan in another state. Contact insurers in the state directly to understand which riders are available and what each combination costs. The Medigap cost calculator and plan comparison tool are useful for general context, but Wisconsin residents should verify specific plan details with carriers.
Enrolling in Wisconsin
Wisconsin follows the federal Open Enrollment Period rules. You have 6 months from the date your Part B coverage starts to buy Medigap without medical underwriting. After that window closes, carriers can apply health questions and may decline coverage based on your history. Confirm your exact enrollment dates with the open enrollment calculator. If you are also considering Medicare Advantage, the Medigap vs Advantage calculator helps frame the cost comparison.
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FAQs
How much does Medigap Plan G cost in Wisconsin?
Plan G premiums in Wisconsin run around $141 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in Wisconsin cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in Wisconsin covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one Wisconsin carrier to the next.