State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in Wisconsin. Trained counselors go through your costs and choices with you, and they don't sell plans.
Prescription costs
SeniorCare is Wisconsin's prescription drug program for residents 65 and older, and there is no upper income limit.
Your income sets how much you pay: at the lowest level there is no deductible and copays are $5 for generics and $15 for brand-name drugs. It costs $30 per person per year to enroll.
| One person | Married couple | |
|---|---|---|
| Yearly income limit (2026) | No upper limit. Income up to $25,536 a year gets the lowest costs | No upper limit. Income up to $34,624 a year gets the lowest costs |
| Age | 65 or older (you can apply in the month you turn 65) |
|---|---|
| Where you live | Wisconsin resident |
| Medicaid | Can't be in a full-benefit Medicaid program such as BadgerCare Plus. Any other coverage, including Medicare Part D, is fine |
| Level 1: income up to $25,536 single or $34,624 couple (2026) | No deductible. $5 for each covered generic and $15 for each covered brand-name drug |
|---|---|
| Level 2A: income $25,537 to $31,920 single or $34,625 to $43,280 couple (2026) | $500 deductible per person, then $5 and $15 copays |
| Level 2B: income $31,921 to $38,304 single or $43,281 to $51,936 couple (2026) | $850 deductible per person, then $5 and $15 copays |
| Level 3: higher incomes (2026) | You pay retail price until you meet a spenddown, then an $850 deductible, then $5 and $15 copays |
| Vaccines | Covers certain vaccines at the pharmacy |
| When to apply | Any time once you are 65. Coverage starts the month after you apply, and you renew every year |
|---|
Where Wisconsin's rules differ from the federal rules for State drug help programs (SPAPs).
Sources: Wisconsin Department of Health Services (source 1), Medicare.gov (Centers for Medicare & Medicaid Services) (source 4)
Free help
Free, unbiased Medicare counseling in Wisconsin. Trained counselors go through your costs and choices with you, and they don't sell plans.
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
Newsletter
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.