Skip to main content

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.

are you a customer or medical provider?

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:

  • Inpatient hospital care
  • Skilled nursing facility care
  • Hospice care
  • Certain home health care services

Medicare Part B (medical insurance) helps pay for:

  • Physician fees
  • Outpatient hospital services
  • Durable medical equipment
  • Some preventive services

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:

  • Inpatient hospital care3
  • Medicare Part B coninsurance costs (after you meet your deductible)
  • Blood, up to the first 3 pints
  • Skilled nursing facility coinsurance
  • Home health care (40 visits in addition to those paid by Medicare)
  • Inpatient mental health care (175 days per lifetime in addition to Medicare)
  • Outpatient mental health

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:

Medicare Part A Deductible Rider

Medicare 50% Part A Deductible Rider

Additional Home Health Care Rider

Medicare Part B Deductible4 or Medicare Part B Coinsurance/Copayment Rider

Medicare Part B Excess Charges Rider

Foreign Travel Emergency Care Rider6


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:

  • Household Discount—This discount is available and varies from state to state. Ask your agent for details.
  • Multi-policy Discount—This discount is available when the Medicare Supplement plan covers an ERIE auto, home or life policyholder (not available in all states).

Medicare Supplement Insurance Quote


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.