This next chapter is yours to shape.
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Explore WPS Medicare Supplement Insurance Plans (Medigap).
Whether you’ve stepped into retirement or decided to keep doing what you love past 65, you deserve coverage that supports your next chapter. With a WPS Medicare Supplement Plan, you can feel confident knowing your health is protected and your savings are secure, so you can focus on living the life you’ve earned.
No networks. No referrals. No hassles.
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Apply nowTypically, Original Medicare covers about 80% of costs, with no cap on out-of-pocket expenses. A Medicare Supplement Plan helps cover what Original Medicare doesn’t, with more predictable costs and no networks referrals or prior authorizations. Together, they're designed to provide you with the best coverage.1
Peak moments require peak coverage.
Many $0 premium plans—like Medicare Advantage—have higher out-of-pocket costs, limited networks or require prior authorizations that can delay treatment. Our plans are predictable and simple. If Medicare covers it, we cover it.
- Customizable plans to fit your needs
- No networks—choose your preferred doctor
- Nationwide coverage that travels with you—get care if you're traveling or winter in another state
- Guaranteed renewable for life2
- No referral or prior authorization needed to see a specialist
- Base plans include coverage for preventive services covered by Medicare Part B, and preventive services not covered by Part B (charges are payable up to 100% of the Medicare allowed amounts)3
- State-mandated benefits provide some additional coverage beyond what Medicare requires for extra medical and financial security
- Optional Foreign Travel Emergency Rider4 covers up to $100,000 for emergency care received outside the U.S.—twice the amount offered by most other Medicare Supplement Plans
- Medicare automatically submits your claims to us after processing them, saving you time and paperwork
- Friendly, US-based customer service representatives who know your plan
- 60+ years of experience serving seniors
- Top-of-the-line programs at no additional membership fee, including a YMCA fitness membership5 and vision and hearing programs5
- An opportunity to purchase a dental plan6
- 2% discount when you use automatic bank withdrawal
- 7% household discount7
Get the support you need, when you need it.
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Talk to a WPS representative at your convenience for one-on-one guidance.
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Plan for your best life with our helpful Medicare guide.
Get everything you need to prepare for Medicare in one place, including checklists, enrollment tips, plan comparisons and more.
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Call WPS at 1-800-236-1448 or contact your local agent today.
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Read the FAQs.
Learn everything you need to know about Medicare Supplement Insurance and more.
View FAQs →Important Information
1 Based on approved Original Medicare coverage. Medicare Supplement Plans help pay for out-of-pocket costs not covered by Medicare Parts A and B, including deductibles, copayments and coinsurance depending on your purchase of additional riders. Part B deductible rider only available to individuals eligible for Medicare prior to January 1, 2020. The Medicare Part B deductible applies to all beneficiaries and is the amount you pay out-of-pocket before Medicare starts covering your services. Typically, Original Medicare covers 80% of medical expenses. WPS Medicare Supplement Plans usually cover the remaining 20%. Some exclusions or limitations may apply. 2 For as long as you continue to pay your premiums.3 Base plan includes additional preventative services not covered by Medicare, payable at 100% of the Medicare approved amount based on the service code billed, as if Medicare would have covered the service. 4 Requires purchase of an additional rider. Emergency medical expenses incurred within the first 60 days of travel are subject to a deductible of $250, followed by a coinsurance obligation of 20% of eligible charges. The maximum lifetime benefit payable under this coverage shall not exceed $100,000. 5 Fitness, vision and hearing programs are not insurance, are not part of the insurance policy and can be changed or discontinued at any time. Vision program is administered by EyeMed Vision Care, LLC. Hearing program is administered by TruHearing, Inc. (formerly Hearing Care Solutions, Inc.). WPS has partnered with Wisconsin YMCAs to provide a membership for our Fitness program. All YMCA programs and services are not available in all areas. Participating facilities and memberships may vary by location and are subject to change. Limitations and restrictions may apply. The fitness program includes all Wisconsin YMCA locations except for the Hudson YMCA, which is part of a Minnesota YMCA association and not included in the program. 6 WPS has partnered with Delta Dental to provide an option to purchase a dental policy when you purchase a WPS Medicare Supplement Insurance Plan. Dental policies are underwritten by Delta Dental of Wisconsin and requires an additional premium. 7 You and a second household member are eligible if they are 60 or older and have lived with you for the past 12 months, or if they are enrolled or applying for a WPS Medicare Supplement Plan. Household: Two or more individuals who reside together in the same dwelling. For purposes of this definition, "dwelling" means a single home, condominium unit or apartment unit within an apartment complex. * #1 choice for Medicare Supplement Insurance in Wisconsin is based on enrollment data submitted to NAIC, 2025.
The intent of this advertisement is solicitation of insurance, and contact may be made by the insurer or a licensed agent. Neither Wisconsin Physicians Service Insurance Corporation (WPS), nor its products, nor agents are connected with or endorsed by the United States government or the federal Medicare program.