Medicare Supplement (Medigap) Policies

Wisconsin requires insurers to offer at least one Medigap policy to adults under sixty-five afflicted with disabilities.

Mini-COBRA Policies (small group)

Wisconsin requires small employers (up to twenty employees) to extend health coverage for eighteen months following termination of employment.

High-Risk Pool

The Wisconsin Health Insurance Risk-Sharing Plan is available to those Wisconsin residents without health insurance who can qualify through HIPAA or Medical Eligibility criteria.For more information, see: http://hirsp.org/plans/federal-eligibility.shtml

State Medicare Savings ProgramWisconsin has three Medicare Savings Programs:

Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1214, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B.
Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B.
Qualified Individuals (QIs): For individuals with income under $1218 or for couples with an income under $1639, the state pays premiums for Part B.

To qualify for any one of these programs, participants must have assets below $6,600 or be part of a couple with assets below $9,910.

State Health Insurance Assistance Program
Wisconsin's SHIP provides health benefits information, counseling, assistance and advocacy to Medicare beneficiaries or soon-to-be beneficiaries. The SHIP has a centralized Medigap Helpline, a toll-free counseling service that provides counseling on original Medicare, Medicare supplement insurance, employer–based coverage, Medicare Advantage, long term care insurance and related topics. Wisconsin SHIP also operates two toll-free assistance centers to help persons with the Medicare drug benefit under Part D: one operated by the Coalition of Wisconsin Aging Groups, primarily for persons age 60 and over (1-866-456-8211); another by Disability Rights Wisconsin, primarily for persons under age 60 and eligible for Medicare because of a disability (1-800-926-4862). The local component of the SHIP consists of the Benefit Specialist Program, which makes available benefit counselors in every county and tribe in the state, located primarily in local aging offices.
http://www.dhs.wisconsin.gov/aging/EBS/ship.htm

Low-Income Subsidy (“extra-help”) for Prescription Drugs
This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Wisconsin in 2012, the low-income subsidy was $36.67 per month.

If you live in Wisconsin, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance. They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, or MediGap Plan for you.