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Wisconsin Health Insurance
Health insurance these days is available in two broad categories:
individual and group. Those who go for individual insurance are
generally self-employed, or are employed by a company that does
not offer a health plan, or who have a family and who want individual
insurance for their family members. When you purchase an individual
plan, you have to pay an annual premium as well as a deductible
for each insured dependent, up to a base amount. If you choose a
group policy instead, you must pay an annual premium, co-payments
payable at each medical service, and a deductible payable before
insurance begins paying for your valid medical bills.
In Wisconsin, you can be denied individual health coverage if you
have a medical problem. However, those who cannot get coverage through
Wisconsin Health Insurance Risk Sharing Plan can seek the help of
some assistance plans. In case you have a pre-existing condition,
insurers can impose an exclusion period not exceeding two years
and can also attach an elimination rider to the policy. Pregnancy
can be treated as a pre-existing condition, but not genetic information.
There is no creditable coverage under individual policies. Your
insurance cannot be cancelled because of your illness.
If you are eligible, you cannot be denied group health insurance
or charged more because of a health problem. In Wisconsin, group
insurers are required to include the whole employee group when offering
coverage. An employer is allowed a waiting period to offer group
health insurance to a new employee. A new HMO can also impose an
affiliation period. Insurers can look back at the prior six months
of your health records to determine if you have any pre-existing
conditions. In case you have one, they can impose an exclusion period
not exceeding 12 months. If you have had unbroken coverage of more
than 63 days, you qualify for creditable coverage.
Small businesses having two to 50 employees cannot be denied small
group health coverage because of health factors of the employees,
nor can they be cancelled due to illness in the groups. Wisconsin
does not allow self-employed persons to buy group insurance. For
regulations dealing with business and professional associations,
one should contact the Wisconsin Commissioner of Insurance.
Programs in Wisconsin include Wisconsin Health Insurnace Risk Sharing
Plan, Medicaid, Badgercare, and Well Women Program.
As choosing the right quotes is difficult, you should do a proper
research before making a final decision. However, it is always better
to appoint professional health insurance agents and brokers who
can be of great help in this regard with their valuable experience
Some leading health insurance providers in Wisconsin are American
Medical Security, BlueCross BlueShield of Wisconsin, Celtic, Cobalt,
Fairmont Specialty Group, Fortis, Golden Rule, Humana, Midwest Security
and Security Life.