Who is WPS Health Solutions?

WPS Health Solutions is the parent name for Wisconsin Physicians Service Insurance Corporation (NAIC 53139), the not-for-profit insurer the Wisconsin State Medical Society created in 1946. It is the top-selling Medicare Supplement company in its home state of Wisconsin by its own account, and as of its filed rates it also sells Plan G and Plan N Medigap in a long list of other states, including every state on this page.

Is there a network with WPS Health Solutions Medigap?

No. Plan G and Plan N are federally standardized Medicare Supplement policies, and none of them carry a provider network. Any doctor or hospital that accepts Original Medicare has to accept a WPS Medigap policy on the same terms as every other carrier's Plan G or Plan N.

How much is WPS Health Solutions Plan G?

$142.66 to $272.60 a month for a 65-year-old woman who does not use tobacco, across the 15 states where we place WPS business (one flagship county each, CSG filed rates as of September 14, 2026). Its best price position anywhere is Virginia, 6 of 21 filed carriers — it never cracks the top 5. At the other end, Michigan ranks 25 of 27.

Does the rate go up as I get older?

It depends on the state, and this is the real difference between WPS's markets. In 12 of the 15 states on this page (Virginia, Colorado, Delaware, Texas, Tennessee, Ohio, Pennsylvania, Montana, West Virginia, Kansas, Indiana and Michigan), WPS prices Medigap on an attained-age basis, meaning the premium climbs with your age on top of any rate increase it files. Arkansas is community rated, so the price is the same at every age. Florida and Arizona are issue-age rated, so your premium is set at the age you enroll and doesn't rise with age afterward. Only your state's filing counts; a neighboring state's rules don't carry over.

Will WPS Health Solutions deny me for a health condition?

Not during your 6-month Medigap Open Enrollment Period around your 65th birthday or Part B start, and not if you qualify for a federal guaranteed-issue right. Outside those windows, WPS underwrites a new Medigap application the way most Medicare Supplement carriers do, with health questions that can lead to a decline. Applying during your guaranteed-issue window removes that risk entirely.

Is WPS Plan N cheaper than its Plan G?

Its Plan N board position is weaker than its Plan G almost everywhere, not stronger. Indiana prices WPS's Plan N as the single most expensive filing on the entire board. Its best Plan N spot is Virginia, 10 of 21. Plan N saves money by leaving you office copays of up to $20, ER copays of up to $50, and any Part B excess charges.

Is WPS Health Solutions financially stable?

CSG's current filed-rate data carries no AM Best financial-strength rating for this NAIC in any of the states on this page. That's a gap in the data we quote from, not a verdict either way — check ambest.com directly for WPS Health Solutions' current rating before using it to compare carriers.

Does WPS Health Solutions offer a household discount?

Not in CSG's filed rate data for any of the states on this page. Carriers that do offer one typically file 5% to 12% off for two qualifying people in the same household; WPS's filings here show no such discount on record.

WPS Health Solutions Medigap Review: What It Costs and Where It Ranks

Q: I got a letter from WPS about a Medicare claim. Is that the same company?

It's the same corporate parent, but a different job. WPS Health Solutions also works for the federal government as a Medicare Administrative Contractor, processing Part A and Part B claims for Iowa, Kansas, Missouri and Nebraska since 2007, and for Indiana and Michigan since 2012. If you live in Kansas, Indiana or Michigan and received a WPS notice about a claim, that's the claims-processing side of the company, not the Medigap policy reviewed here.

Q: Has WPS Health Solutions raised its Medicare Supplement rates?

Yes, in most of its states. 8 of the 15 states on this page took a Plan G increase of 10% or more in both 2025 and 2026 (Colorado, Texas, Tennessee, Ohio, Pennsylvania, Florida, Arizona and Indiana). The 2026 filings alone run from 5% to 16.5%. The steepest, 16.5%, landed in Florida. Virginia shows no filed increase on CSG's record at all.

By Anthony Orner, Licensed Medicare Insurance Broker · Data as of September 14, 2026

WPS Health Solutions (Wisconsin Physicians Service Insurance Corp, NAIC 53139) is Wisconsin's best-selling Medicare Supplement company, and it also files Plan G and Plan N in the 15 other states below. As of September 14, 2026 CSG data, its best price position anywhere on this page is Virginia, 6 of 21 filed carriers — it does not crack the top 5 in a single one.

Compare WPS to Every Carrier at Your ZIP →

Almost nothing independent has been written about WPS's Medigap pricing outside its home state. This review is built from filed premiums, price rank against every competing carrier, and rate-increase history — from the licensed broker who can actually place the policy.

Two Jobs, One Company: WPS the Insurer and WPS the Claims Processor

WPS Health Solutions is a holding name over several lines of business, and the Medigap policy on this page is only one of them. The same corporate parent has run two federal Medicare Administrative Contractor jurisdictions since the 2000s: processing Original Medicare Part A and Part B claims for Iowa, Kansas, Missouri and Nebraska since 2007, and for Indiana and Michigan since 2012.

Live in Kansas, Indiana or Michigan? A letter or EOB from WPS about a Medicare claim is the federal claims-processing side of the business, not an offer for the Medigap policy reviewed here. The two jobs share a name and a parent company, nothing else — your doctor's office deals with the claims processor; you would deal with the insurer only if you bought its Plan G or Plan N.

WPS Health Solutions Rates & Market Rank (Plan G @ 65, Female, Non-Tobacco)

State	Plan G	G rank	Plan N	N rank	Rate basis	Latest filing
Virginia	$142.66	6 of 21	$126.43	10 of 21	attained age	None on file
Colorado	$182.83	8 of 24	$166.19	16 of 21	attained age	+15% (January 1, 2026)
Delaware	$169.80	7 of 20	$151.88	16 of 18	attained age	+5% (January 1, 2026)
Texas	$193.64	10 of 26	$163.33	18 of 24	attained age	+12.6% (January 1, 2026)
Arkansas	$208.73	9 of 23	$187.59	18 of 23	community rated	+9% (January 1, 2026)
Tennessee	$170.70	12 of 28	$155.24	24 of 27	attained age	+15% (January 1, 2026)
Ohio	$177.34	15 of 34	$162.68	27 of 33	attained age	+10.5% (January 1, 2026)
Pennsylvania	$202.34	12 of 27	$184.60	24 of 27	attained age	+12% (January 1, 2026)
Montana	$192.26	10 of 22	$172.74	13 of 20	attained age	+9% (January 1, 2026)
Florida	$246.13	12 of 23	$219.81	20 of 22	issue age	+16.5% (January 1, 2026)
Arizona	$205.85	16 of 29	$182.60	21 of 29	issue age	+13.5% (January 1, 2026)
West Virginia	$178.70	14 of 25	$161.71	20 of 25	attained age	+9% (January 1, 2026)
Kansas	$188.93	15 of 25	$172.83	19 of 24	attained age	+9% (January 1, 2026)
Indiana	$214.70	24 of 27	$196.93	26 of 26	attained age	+15% (January 1, 2026)
Michigan	$272.60	25 of 27	$237.97	24 of 27	attained age	+9% (January 1, 2026)

Source: CSG Actuarial licensed API as of September 14, 2026. Female 65, non-tobacco, individual rate as filed, quoted through one sample ZIP per rating area in each state's flagship county; rates in other ZIPs may differ. WPS also files in Oklahoma, Nebraska and Iowa, left out because we don't place business there.

Every state's Plan G pays the same federally standardized benefits, so the only real differences are price, rate basis and filing history. WPS is never the cheapest filing in any of the 15 states it offers here, and it does not lead a single board. Its best showing, Virginia, still sits well into the second half of a 21-carrier board.

Why the Same WPS Quote Behaves Differently From State to State

CSG's filed rate basis isn't uniform across WPS's footprint. In 12 of the 15 states on this page — Virginia, Colorado, Delaware, Texas, Tennessee, Ohio, Pennsylvania, Montana, West Virginia, Kansas, Indiana and Michigan — WPS prices Medigap on an attained-age basis: the premium rises every year or so you get older, on top of whatever percentage WPS files for the whole block. Arkansas is community rated instead, so every policyholder pays the same price regardless of the age they bought it at. Florida and Arizona price it issue-age: your premium is locked at the age you enrolled and only moves with a filed rate change, never with your birthday.

That distinction matters more than the headline premium. A 65-year-old in an attained-age state who keeps the policy to 80 pays two kinds of increases every year: WPS's filed percentage, plus the age-based step the rate basis itself builds in. The same filed percentage in a community-rated or issue-age state costs the policyholder only the filed amount.

Back-to-Back Double-Digit Filings Are the Norm, Not the Exception

Colorado, Texas, Tennessee, Ohio, Pennsylvania, Florida, Arizona and Indiana filed a Plan G increase of 10% or more in both 2025 and 2026 — 8 of the 15 states where we place WPS. The 2026 filings alone run from 5% to 16.5%. The steepest, 16.5%, landed in Florida.

The one exception is Virginia, where CSG's record shows no filed Plan G increase for WPS at all. A new-business rank only describes what a first-year buyer pays. If you already own a WPS policy and your renewal letter just arrived, call and compare it against what a new application would cost today — outside a guaranteed-issue right, switching carriers means new health questions.

WPS Plan N: Not the Better Deal Either

WPS's Plan N doesn't rescue its price position. Indiana prices WPS's Plan N as the single most expensive filing on the entire board there. Its strongest Plan N showing is Virginia, 10 of 21 — still outside the top third.

Plan N costs less than Plan G because you pay up to $20 at some office visits and up to $50 at the ER, plus any Part B excess charges the provider bills. On WPS specifically, that trade doesn't come with a market-leading price to offset it.

How to Apply for WPS Health Solutions Medigap

You can apply through a licensed broker or compare WPS against every other carrier filed at your ZIP and age at healthplans.now, which takes about 15 minutes, or call 855-559-1700 and I'll read you the whole board, WPS included.

Start My Application at healthplans.now →

WPS Health Solutions Medicare Supplement: Common Questions

Comparing more than one unfamiliar name on a quote? Aflac's Medigap review and HealthSpring's review cover two more carriers people often can't place.

Questions About WPS Health Solutions? Talk to a Licensed Broker — 855-559-1700

Data sources & methodology. Plan G and Plan N rates, ranks and filed rate increases on this page are sourced from the CSG Actuarial API as of September 14, 2026, for a Female 65 non-tobacco applicant, one flagship county per state. The 1946 founding, the Wisconsin market-leader claim and the Medicare Administrative Contractor jurisdictions (J5: Iowa, Kansas, Missouri, Nebraska since 2007; J8: Indiana, Michigan since 2012) are from WPS Health Solutions' own company history and news pages and CMS contract-award records, current as of this page's publish date.

Disclosure. This page is published by MedicareYourself, a brand of EasyKind Medicare. We are a licensed independent Medicare insurance broker. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. Plan availability, plan letters, and premiums vary by state and are subject to state Department of Insurance rate filings.

Medicare has neither reviewed nor endorsed this information. 2026 Medicare figures: Part B premium $202.90/month, Part B deductible $283, Part A deductible $1,736.

Compare Medigap plan benefits on the official Medicare.gov Medigap guide and review standardized Medigap plan benefits before choosing a carrier.