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Medicare Supplement Wisconsin

A Medicare Supplement insurance plan can help you pay for medical costs that may not be covered by Medicare. Erie Family Life1 and our insurance agents will work with you to help you select the best supplement insurance for your needs and budget.

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What Does Medicare Cover?

Health care expenses can add up and be a burden, particularly if you’re on a fixed retirement income. Health care and out-of-pocket costs for Medicare participants are also on the rise, making the need for supplemental insurance even greater.2

Medicare Part A (hospital insurance) helps pay for:

Medicare Part B (medical insurance) helps pay for:

With Medicare Parts A and B alone, you’re required to pay deductibles and coinsurance for Medicare-provided services. In general, Medicare Supplement plans are designed to help pay for costs like deductibles, copayments and coinsurance that you would typically pay out of your own pocket. The costs and benefits will depend on which Medicare Supplement plan you select.

Choosing Coverage

Your ERIE agent can help you decide what your Medicare Supplement plan will cover.

Wisconsin Basic Medicare Supplement Plan

Medicare Supplement insurance policies in Wisconsin are standardized, so wherever you buy your plan, you will receive the same basic benefits, including:

Optional coverage add-ons

Wisconsin Basic plans can be expanded to provide additional coverage in specific areas by adding optional riders, purchased separately. Erie Family Life offers these riders for seniors who want more comprehensive coverage:

Pays 100% of Medicare Part A deductible during the first 60 days of hospitalization.

A Medicare hospital benefit period is 60 days, and there can be up to four benefit periods in a year, meaning without this rider, you could have to pay the Part A deductible up to four times per year.

This rider pays 50% of the Medicare Part A deductible ($1,408 in 2021) during the first 60 days of a hospital stay.

This rider extends the 40 days of home health care visits included in the basic plan to 365 visits per year (including those covered by Medicare).

You may choose either of these riders, but not both.

With the Medicare Part B Deductible rider, Erie Family Life pays the deductible for you. Without it, you will have to pay all medical costs for Part B until you meet your annual deductible.

With the Medicare Part B Coinsurance/Copayment Rider, after you pay the Part B annual deductible, the policy will pay for Part B services.5

A doctor may accept Medicare, but may not accept Medicare assignment, which is the amount that Medicare will approve to pay. When this happens, the doctor can charge up to 15% more than the amount Medicare will approve and pay.

The Medicare Part B Excess Charges Rider will cover the difference between the excess charge and what Medicare approves to pay.

After meeting a $250 deductible, this rider provides up to $50,000 of coverage for Medicare-approved medical expenses incurred outside the United States (including cruise ships outside of US boundary waters).


You can apply for a Medicare Supplement plan policy if you are age 65 or over and enrolled in Medicare Parts A and B. The onetime Open Enrollment period, which begins on the first day of the month an individual is 65, or older, and enrolled in Part B provides for guaranteed issue. Individuals under age 65 eligible for and enrolled in Part B; are not eligible for guaranteed issue unless they have lost or are losing creditable coverage. In some states, Medicare Supplement insurance policies may be available to people with disabilities who are under the age of 65.

Discounts are Available

ERIE also offers discounts7 designed to help keep health care costs down. The discounts vary by state:

Medicare Supplement Insurance Quote


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Eligibility for insurance coverage will be determined at the time of application, based upon applicable underwriting guidelines and rules in effect at that time. In some states, Medicare Supplement policies are available to disabled individuals under the age of 65. Not all plans are available in all states and not all ERIE agents offer Medicare Supplement insurance. Medicare Supplement insurance is not available in the District of Columbia or New York. Life insurance is not available in New York. 

2The Henry J. Kaiser Family Foundation report on Medicare beneficiaries’ out-of-pocket health care spending. 

3Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare. After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 days (days 91–150), which are not renewable each benefit period.

4Not available to people who are newly eligible for Medicare on or after January 1, 2020.

5The Medicare Part B Coinsurance/Copayment Rider requires a $20 copayment for office visits and a $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.

6Foreign emergency care is covered at 80 percent after a $250 deductible is met, up to a $50,000 lifetime maximum.

7Discount eligibility and amounts vary by state. Talk to your ERIE agent to determine what discounts apply in your state.

These plans are not connected with or endorsed by the U.S. government or the federal Medicare program. The Medicare Supplement products and services described in this brochure are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare Supplement products are not available in the District of Columbia and New York.

This policy has exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. Costs and complete details of the coverage are available through your ERIE agent and in the government guide: Wisconsin Guide to Health Insurance for People with Medicare.

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