Medicare Supplement Insurance (Medigap) in Green Bay, Appleton & Oshkosh

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  • Medigap

Medicare Supplement Insurance in Green Bay, Appleton & Oshkosh

Choosing the right Medicare Supplement Insurance can help you better manage healthcare costs that aren't fully covered by Original Medicare. Medicare Supplement Insurance, also known as Medigap, is available through private insurance companies and can help cover certain out-of-pocket expenses such as copayments, coinsurance, and deductibles.


Insurance Services Done Rite helps Medicare beneficiaries in Green Bay, Appleton, Oshkosh, and surrounding Wisconsin communities explore Medicare Supplement options based on their individual healthcare needs and circumstances.


Understanding Medigap Coverage

Medigap plans work alongside Original Medicare to help pay certain costs that Medicare doesn't cover. Because each person's healthcare needs are different, it's important to understand the available plan options, premiums, coverage, and eligibility requirements before choosing a policy.



We can help you understand your Medicare Supplement options and compare available coverage so you can make a more informed decision about your healthcare protection.

Medicare Supplement Plans in Northeast Wisconsin

If you're searching for Medicare Supplement Insurance in Green Bay, Appleton, or Oshkosh, WI, Insurance Services Done Rite can help you explore your options. We take a personalized approach to helping individuals understand their Medicare coverage and find a plan that aligns with their needs and budget.


Contact us today to learn more about Medicare Supplement and Medigap options available in your area.

8 Things to Know About Medigap Policies

  1. You must have Medicare Part A and Part B.
  2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
  3. You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
  5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
  6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
  7. Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

Medigap Policies Don't Cover Everything

Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

  • Insurance Plans That Aren't Medigap

    Some types of insurance aren't Medigap plans, they include:


    • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)
    • Medicare Prescription Drug Plans
    • Medicaid
    • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
    • TRICARE
    • Veterans' benefits
    • Long-term care insurance policies
    • Indian Health Service, Tribal, and Urban Indian Health plans
  • Supplemental Health Insurance

    If you decide to drop your entire Medigap policy, you need to be careful about the timing. For example, you may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage), or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.


    If you drop your entire Medigap policy and the drug coverage wasn't creditable prescription drug coverage or you go 63 days or more in a row before your new Medicare drug coverage begins, you have to pay a late enrollment penalty when you join a new Medicare drug plan.