Wisconsin
Wisconsin mandates its own pre-standardization Medigap benefit set — every carrier must offer the same core benefits plus optional riders, and switching between carriers is guaranteed.
| Rule | Wisconsin |
|---|---|
| Own Medigap system | Yes — pre-standardization mandated benefits |
| Guaranteed issue | Year-round carrier switching |
| Riders | Optional add-ons (Part B excess, etc.) |
| Federal letters | Not the primary market |
| Practical edge | Annual re-shop without underwriting |
The WI benefit menu
Wisconsin’s required core covers Part A coinsurance, hospice, and cost-sharing basics, with riders for Part B excess charges and deductible coverage — a build-your-own version of the standardized letters (compare structure on the plans board).
Shopping implications
Year-round GI means the carrier board is re-shoppable annually — price discipline comes from switching rather than from rate-history loyalty. MN is the other system-state (see Minnesota).
FAQ
Are federal Plan G/N available in Wisconsin?
Some carriers file them, but the mandated-benefit products dominate the market.
Can WI insurers deny Medigap for health?
No — year-round guaranteed issue applies to the mandated products.
Related reading: All states · Minnesota · Carriers