Compare Medicare Supplement (Medigap) Insurance Plans
Plans that help pay deductibles, copays, and coinsurance—out-of-pocket costs Original Medicare doesn’t cover.
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Find a Medicare Supplement plan that's right for you
A Medicare Supplement Insurance plan, also called a Medigap plan, is a separate policy that supplements your coverage from Original Medicare Part A and Part B.
When comparing Medicare Supplement Insurance plans, it’s important to note that the government decides what benefits each plan offers, so coverage remains the same across all companies. For example, the basic benefits you’ll receive if you purchase Medicare Supplement Plan G from HealthSpring are the exact same basic benefits you’ll receive if you purchase a Medicare Supplement Plan G from a different insurance company.
Before you compare plans, you might find it helpful to review the basics of Medicare Supplement Insurance and eligibility and enrollment information.
Why choose HealthSpring?
You could save up to 25% with HealthSpring including a premium discount of up to 20% plus an additional 5% if you apply online.
Competitive rates
Enjoy competitive premiums without compromising your coverage. In some states premium discounts* of up to 25% may be available for some applicants.
Dependable service
HealthSpring is dedicated to helping people improve their health, well-being, and sense of security.
Programs and services at no additional cost2
Healthy Rewards® offers discounts on health and wellness programs and our Health Information Line gives you 24/7 phone access to a health advocate.3
Compare Medicare Supplement Plans and Coverage4
Wisconsin Residents
Wisconsin specific plan information
Medicare Supplement Plans in Wisconsin
The following Medicare Supplement insurance plans are available in the state of Wisconsin:
Medicare Supplement Plan Coverage
| Policy Benefits | Basic Plan |
|---|---|
| Part A Coinsurance (after the Part A Deductible) | |
| Part A Inpatient Mental Health Coverage for 175 days (lifetime) after Medicare inpatient benefits end | |
| Part A Skilled Nursing Facility Coinsurance (days 21-100) | |
| Part B Coinsurance (after the Part B Deductible)* | |
| Part A Hospice Coinsurance | |
| First three pints of blood each year | |
| Home Health Care Up to 40 visits per 12 month period | |
| Preventive care Up to $120 each calendar year, not covered by Medicare | |
| State mandated benefits
| |
| Additional Benefits Through Optional Riders Each of these riders may be purchased separately. | |
| Medicare Part A deductible This rider covers 100% of Medicare Part A Deductible. | Optional Rider |
| Additional Home Health care (365 visits including those paid by Medicare) This rider shall be subject to the same deductible and coinsurance provisions of the policy as other covered services. The maximum weekly benefit for such coverage need not exceed the usual and customary weekly cost for care in a skilled nursing facility. | Optional Rider |
| Medicare Part B Deductible*** Provides 100% coverage for the Medicare Part B annual deductible amount. | Optional Rider |
| Medicare Part B Copayment or Coinsurance In addition to the insured being required to pay the Part B Deductible, the Insured's Copayment or Coinsurance will be the lesser of $20 per office visit or the Medicare Part B Coinsurance and the lesser of $50 per emergency room visit or the Medicare Part B Coinsurance. The emergency room Copayment or Coinsurance fee shall be waived if the insured is admitted to any hospital and the emergency visit is subsequently covered as a Medicare Part A expense. This rider cannot be purchased with the Medicare Part B Deductible Rider. | Optional Rider |
| Medicare Part B Excess Charges This rider covers the difference between the actual Medicare Part B charge as billed and the Medicare-approved amount for that service (up to a maximum of limitation established by the Medicare program or state law). | Optional Rider |
| Foreign Travel Emergency This rider covers eighty percent (80%) of the billed charges for medically necessary emergency care received in a foreign country. Benefits are payable only for emergency care which would have been covered by Medicare if provided in the United States and which began during the first sixty (60) consecutive days of each trip outside the United States. Benefits are subject to a calendar year deductible of $250 and a lifetime maximum benefit of $50,000. | Optional Rider |
*Except if Part B Copayment or Coinsurance rider is selected
**Usual and customary charges
***The Medicare Part B Deductible Rider is only available if you were eligible for Medicare prior to January 1, 2020
| | Plan G Details | High Deductible Plan G8 Details | Plan N Details | Plan A Details | Plan F5 Details | High Deductible Plan F5, 6 Details |
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| | | | Copays apply7 | | | |
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Medicare Part A Deductible
Within each benefit period, for your first 60 days of hospital services, Medicare will cover all services after the Part A deductible cost has been reached. (You are responsible for the deductible cost unless you have a Medicare Supplement insurance plan that covers it.)
Medicare Part A Coinsurance and Coverage for Hospital Benefits
Applies to days 61-150 of your stay in the hospital. (Coinsurance is the portion of costs you pay after you’ve paid your deductible.)
Skilled Nursing Facility Care Coinsurance
Medicare pays all eligible expenses for your first 20 days in the facility. From day 21-100, you are responsible for coinsurance, or a portion of the cost (unless you have a Medicare Supplement insurance plan that covers it).
Blood (first 3 pints)
First 3 pints per calendar year.
Hospice Care Coinsurance or Copayment
Medicare pays all but very limited copayment/coinsurance for outpatient drugs and inpatient respite care. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.
Medicare Part B Deductible
The annual deductible, an amount you pay before Medicare benefits will kick in to cover physician services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.
Medicare Part B Coinsurance or Copayment
Includes coverage for doctor's services and supplies. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.
Medicare Part B Excess Charges
A doctor may charge an amount for services that exceeds what Medicare covers. The charged amount that exceeds Medicare coverage is called an excess charge. Medicare limits the extra amount a doctor can charge to 15%. You are responsible for excess charges unless you have a Medicare Supplement plan that covers them.
Foreign Travel Emergency (up to plan limits)
Plans that include this benefit cover 80 percent of medically necessary emergency care received outside of the U.S., which began during the first 60 days of each trip, after you pay a $250 deductible per calendar year, not to exceed the lifetime maximum of $50,000.
Additional Programs and Savings offered by HealthSpring2
Programs and services offered at no additional cost to you, as part of a Medicare Supplement plan. Healthy Rewards® and Health Information Line are just 2 examples of additional no-cost programs and savings you receive with a Medicare Supplement insurance plan.
Medicare Part B Coinsurance or Copayment
Includes coverage for doctor's services and supplies. A copayment is the amount you pay for each medical service. For example, a Physician’s Visit. Coinsurance is the percent of the Medicare approved amount that you have to pay after you pay the deductible for Part A and/or Part B.
When are you eligible for Medicare Supplement Insurance?
Retiring at 65? Not retiring until later? Find out when and how you can enroll, how to switch plans, and when is the ideal time to enroll in a Medicare Supplement policy.
View Medicare Supplement state disclosures, exclusions, and limitations
1 Insured by American Retirement Life Insurance Company, HealthSpring Insurance Company, HealthSpring National Health Insurance Company, Loyal American Life Insurance Company or Medco Containment Life Insurance Company. In Kansas, insured by HealthSpring Insurance Company and HealthSpring National Health Insurance Company. American Retirement Life Insurance Company and Medco Containment Life Insurance Company are not available to residents of Kansas and Kentucky. In Illinois, Maryland, New Mexico and Utah, insured by HealthSpring National Health Insurance Company domiciled in Ohio. In North Carolina, Ohio and Pennsylvania, insured by HealthSpring Insurance Company. In Idaho, insured by Medco Containment Life Insurance Company.
In some states, HealthSpring Insurance Company is also known as Cigna Insurance Company and HealthSpring National Health Insurance Company is also known as Cigna National Health Insurance Company. Both companies are in the process of obtaining state approvals to change their names by removing “Cigna” from the name and replacing it with “HealthSpring”.
2 These programs are NOT insurance nor benefits and do not provide reimbursement for financial losses. Some restrictions may apply. Programs and services may be added or discontinued at any time. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. The Healthy Rewards program is provided by Cigna Health and Life Insurance Company. Programs are provided through third party vendors who are solely responsible for their products and services. Program availability may vary by location, and are not available where prohibited by law.
3 Health advocates are trained nurses and hold current nursing licensure in a minimum of one state, but are not practicing nursing or providing medical advice.
4 Product availability varies by state and company–get an online quote or call to confirm which plans are available in your state, and to verify complete coverage benefits.
5 Only applicants eligible for Medicare before January 1, 2020 may purchase Plans F, and High-Deductible F. Plans F and High-Deductible F will not be available to applicants who are newly eligible for Medicare on or after January 1, 2020.
6 High Deductible F pays the same as Plan F and requires payment of your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines.
7 Plan N pays 100% of the Part B coinsurance, except for a copayment not to exceed $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an inpatient admission.
8 High Deductible G pays the same as Plan G and requires payment for your costs (coinsurance, copayments, deductibles) for Medicare approved expenses up to the current calendar year deductible amount before the policy pays any benefits. The Medicare deductible changes each year, per Centers for Medicare & Medicaid Services (CMS) guidelines. Contributions toward the plan deductible include the Medicare Part B deductible, but do not include the plan’s separate foreign travel emergency deductible.
* State variations apply. Discount not available in HI and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
Note: If you have been denied coverage by another company due to certain medical conditions, we may be able to cover you. Call
View Kansas disclosures, exclusions, and limitations
Notice for persons eligible for Medicare because of disability:
In the following states, all Medicare Supplement insurance plans are available to persons eligible for Medicare because of disability: California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, Oregon, Pennsylvania, South Dakota, Tennessee, Texas (ESRD/ALS), Vermont and Wisconsin.
Tennessee Medicare Supplement Policy Forms
Plan A: HIC-MS-AA-A-TN; Plan F: HIC-MS-AA-F-TN; Plan G: HIC-MS-AA-G-TN; Plan HDG: HIC-MS-AA-HDG-TN; Plan N: HIC-MS-AA-N-TN.
Learn More
Online Enrollment Discount
State variations apply. Discount not available in CT, DC, FL, MA, NJ, NY, OH, OR, and VT. To qualify for the online discount, you must be a new Medicare Supplement policy holder with HealthSpring*, without an active policy in the last 90 days. You must submit your Medicare Supplement Insurance application online at HealthSpring.com to qualify for the discount. If you do not complete the entire application online, and/or call to have an agent submit your application by phone, you will not qualify to receive the online discount. If your spouse is added at the time of application, they are also eligible to receive the online discount per the same terms. Discount qualification determined by HealthSpring. If you qualify, the 5% discount will remain in effect for the life of the policy. For residents of North Dakota, by applying online you save approximately 5%.
Premium Discount
State variations apply. Discount not available in HI, ID, MN, and VT. For residents of WA, the discount is referred to as Spousal Premium Discount, and only applies to spouses. Discount percentage varies by state.
*Insured by American Retirement Life Insurance Company, HealthSpring Insurance Company, HealthSpring National Health Insurance Company, Loyal American Life Insurance Company and Medco Containment Life Insurance Company.