so let's talk about medicare in wisconsin and if you're coming into medicare you know by now
a lot of decisions that you have to make there are a lot of choices
that you want to make sure you get correct and one of the good things about medicare
is it's pretty much standardized across the country meaning the plans are exactly the same
however there are a couple of few states like wisconsin that has decided to do it their own
way so they've made it a little more challenging for you to figure out exactly what you need to do
so i'm going to show you exactly what you need to know in wisconsin show you the choices that
you have and what i think is the right way to go and we'll make sure that you understand exactly
what you're working with and i'm keith armbruck founder of medicare on video and i help people
across the country make the right medicare choices and i can absolutely help you as well you can see
here the stuff that i help with primarily medicare but also confusing things like do you need to roll
over your 401k is an annuity the best way to go in your retirement and that's all stuff that i
try to break down and make it as easy for you to understand as possible so right now we're going
to talk about medicare supplement coverage in wisconsin and if you've heard the term medigap
it's exactly the same as medicare supplements so what they are is they fill the gaps that
medicare a and b do not so if you've made the choice to stay on original medicare a and b
as opposed to going with a medicare advantage plan which is absolutely what i recommend
is the difference between original medicare and medicare advantage the primary difference
is that on original medicare you can choose any doctor any hospital anywhere in the
country without having to ask permission with a medicare advantage plan like all the commercials
that you see on tv you pretty much have to stay within their network of doctors and hospitals so
depending upon whether you travel a lot or if you have a catastrophic situation and you want to
choose where you go the freedom and flexibility of original medicare by far to me is absolutely the
way to go so we're going to talk about a medicare supplement that fills the parts that a and b do
not and again in wisconsin it's a little bit different there are three states that make their
own rules and we're going to go over them you can see right here wisconsin is right at the top
of the list we're going to show you exactly why and what you need to understand in wisconsin so
with wisconsin what they do is they mandate a base benefit package so this is what insurance carriers
must offer and i can tell you it is base it's what's offered pretty much everywhere anyway so
why they break it out differently i don't know but this base benefit package is not enough you would
not want to have just the base benefit package so we now need to take this base benefit package
which covers again basic stuff and we need to add to it and so what they've done in wisconsin
they've made a whole bunch of writers so where other states have simple plan g plan n plan f
wisconsin makes us build our own so we have to like make our own ice cream sundae out of our
medicare supplement plan where we take our base plan and then we add writers on top of it to make
it exactly what we want it to be so and where we want to end up with is getting to whether it's a
plan f or plan g or a plan n so we're going to do that right now and i'll show you it's not really
that complicated but i've seen people mess it up and believe me you don't want to mess this up by
choosing the wrong riders to add into your plan so if you were to have a plan f similar
in wisconsin you'll pretty much have all the riders that are part of it so plan f
pretty much has no out-of-pocket cost whatsoever now the downside to plan f
it's much too expensive it doesn't make sense to cover 100 of everything because your premium
is much too high so we really don't want to plan f and even with plan f these days they've eliminated
it in most of the country where you cannot have a zero out of pocket plan as your medicare plan and
again doesn't make any difference because we don't want it anyway because it costs too much so what
we need to do is get to either a plan g similar or a plan n similar so when we add the writers in to
get to plan g you can see here you have the basic you want to add your part a deductible your part b
excess charges your part b coinsurance so forth and so on plan m you're going to add everything
except that part b excess charges now in addition to this what wisconsin does that the rest of the
country does not do is they add a copay to your part b so whether you're on g or n when you go to
the doctor you're gonna have a 20 copay typically it's just on end but in wisconsin it's also on g
so you're going to have a 20 copay when you go to the doctor 50 copay when you go to the hospital
not a big deal so what does this mean is there really is not a g or n solution here what we want
is to have plan g with a copay that's what it's going to come down to so it's going to be a gin a
g and an n combined will give you what you're going to want to have in wisconsin where your
out-of-pocket expense will be simply your part b deductible for the year right now 203 dollars
that's your deductible for the entire year and then if you go to the doctor it's going to be a 20
copay you go to the emergency room it's a 50 copay that's it so that's where we want to get and we
just got to pile all these riders into a basket to make sure we get there so again this is what i do
is i do it for you and you can see over here there's no cost to allow me to help you to do
it so hopefully you will allow me to help you to do it we'll make sure that you get your gin plan
where you have simply a 200 copay for the year 20 when you go to the doctor not too complicated
so these are the things i help with and i'm happy to help with any medicare questions just give me
a call send me an email visit medicare on video fill out the quote form on the home page we will
email this to you with the correct writer so you understand it completely you'll know your costs
it's really not that complicated but they try to make it a little bit harder than it should be
so hope you found this helpful if you have any questions give me a call have a fantastic day