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Midwest Security

Established in 1974, Midwest Security was subsequently acquired in 2002 by UnitedHealth Group. At present, it is part of a massive corporation that serves more than 65 million people residing in the United States. And till today, it has continued to maintain its local feel in spite of this corporate takeover. Specializing in providing health care for small and medium-sized employers, Midwest Security is now a leader in the states of Wisconsin, Michigan, Indiana, Iowa, Ohio, and Illinois. Committed to social causes, the company hosts a 5K run on its headquarters in order to raise funds for the American Cancer Society. It also takes the responsibility of sponsoring the Boys and Girls Club, as well as Adopt-a-Family for needy families. Midwest Security’s objective is to ensure that employers and their employees have access to affordable, top-quality health care. Careful planning and properly selected objectives have helped Midwest Security to experience a steady growth, while other insurance companies have struggled in recent years.

Corporate offices of Midwest Security are located in Onalaska, Wisconsin. Regional offices are located in Green Bay and Milwaukee, Wisconsin; Chicago and Rockford, Illinois; Indianapolis, Indiana; and Detroit, Michigan. The company also has regional directors looking after its customers in Ohio and Iowa.

Midwest Security, in spite of its not-too-big size, offers a number of health plans to members spread over the company’s service area. Its services include Preferred Provider Organizations (PPO), dental plans, term life insurance, and short-term disability insurance among others. Let us have a look at some of the plans offered by the company.

Select Coverage 80%/60% Nebraska: It is a PPO Network that covers members in Nebraska. Under this plan, annual deductibles range from $250 to $2,500. One gets full coverage after meeting the co-payment for in-network treatment and office visits, including urgent and routine care. There is, however, a $500 maximum for routine examinations such as mammograms. For out-of-network, most of the services are covered 60 percent after the deductible has been met. Hospital services are covered 80 percent in network and 60 percent out-of-network after deductible. Co-payments can amount to anything between $10 and $50 for medication

Select Coverage 2000 90%/70% Iowa/Illinois: This is a PPO plan for Iowa and NW. Illinois. Under this plan, deductibles vary between $250 and $5000. For office visits, it covers 90 percent of costs after the deductible has been met for in-network care. For out-of-network, the coverage is 70 percent for most services, after the deductible has been met. Medications are covered, after a co-payment that ranges from $10 to $50.

Classic One 90%/70%: This is a PPO plan for Wisconsin and Ohio. Deductibles range from $250 to $5000 under this plan. Office visits are covered 90 percent after the deductible for in-network care, and 70 percent after the deductible for out-of-network care. A $50 co-payment for emergency care is charged for in-network, and $75 for out-of-network emergency care. Medications are covered with a co-payment of $10 to $50 dollars. In the case of drugs with a generic equivalent, members have to pay the difference in cost between the generic and brand name, in case they choose a brand name drug.


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