Don't let all of the Medicare health insurance options in Kenosha County scare you. Click one of the plan types below to compare just the Medicare coverage you need. Click here to learn more about your Medicare options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Kenosha County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in Wisconsin. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of Kenosha County or throughout the state).
In addition to regional Medicare insurance options, you must match your most important doctor (generally your primary care physician) with a plan. Tens of thousands of doctors don't treat Medicare patients, and those that do don't accept all types of Medicare payment. Some only work with Medicare directly, some only work with specific Medicare Advantage plans, and some do both.
MedicareWire.com seeks to take as much of the guess work out of selecting Medicare health insurance as possible. Our goal is to help you narrow down your plan options before you get on the telephone with a licensed adviser. We know from experience that an educated healthcare consumer is more often satisfied with the care they receive than those who don't do their homework.
Medicare Advantage Insurance in Kenosha County
If you're concerned that Original Medicare might be too expensive (you pay 20% of all costs), then a Kenosha County Medicare Advantage plan is the first option you need to explore. It's the private health insurance alternative that replaces your Medicare Part A and Part B benefits with a managed care plan (HMO or PPO), or a private fee-for-service plan (available in limited areas).
Monthly premiums in Kenosha County start at $24.00 and go as high as $159.00. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 4 Medicare Advantage plans offering prescription drug coverage. There are 2 plans that do not include prescription coverage. That's a total of 6 options!
Plans are not all the same, and there are several common types, including Private Fee-for-Service (PFFS), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO). Some areas also offer one or more Medical Savings Account (MSA) plans, but they are rare. HMO and PPO plans are by far the most common.
Zero dollar ($0) plans are available in most areas, but not all. Zero dollar does not mean free, it simply indicates that there's no additional monthly premium to enroll. However, you are still required to pay your monthly Part B premium. This is the case with all Medicare Advantage plans.
A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Kenosha County
The only relief Wisconsin seniors have from the high cost of medical bills is additional insurance. That's because Original Medicare does not set limits on your annual out-of-pocket expenses. It's a serious risk that you need to consider. If you plan to keep your Original Medicare, the solution is Medicare Supplement insurance (Medigap).
A Medigap policy is indemnity insurance that pays the portion of your bill not paid by Medicare (up to the limits of the policy). There are ten lettered plans in Wisconsin (A through N) that are all standardized. So, no matter what carrier you choose, the lettered plan will be the same, only the premium will be different.
It's critical that you understand how Medigap works. It does not give you extra healthcare benefits. If Medicare does not cover a healthcare expense, Medigap does not cover it. That includes your prescriptions, hearing aids, eye glasses, dental exams and other items that Medicare does not cover. Medigap works with everything covered under Medicare Part A and Part B.
Medicare Prescription Drug Plans in Kenosha County
Most Wisconsin seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a PDP.
There are a total of 5 PDPs available to Wisconsin seniors. Premiums range from $33.70 to $113.60 per month. Also, be aware that some plans have an annual deductible that you must pay at the pharmacy before assistance begins. Some plans have a $0 deductible, but premiums are generally higher.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in Kenosha County, Wisconsin
We've recently added all Kenosha County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Bristol, Kenosha, Pleasant Prairie, Salem, Silver Lake, Somers, Trevor, Twin Lakes, and surrounding areas.
This page was last updated on: 11/12/2014.