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Wisconsin health insurance
A health insurance plan is essential for everybody. This is because it protects us against the potentially crippling costs that may accompany a serious illness. If you are a resident of Wisconsin and are looking for health insurance, we have all the information you might need. Get information on all your health insurance options, right here.
Individual health insurance in Wisconsin
The increasing costs of getting a health insurance policy has made it difficult to find a policy that is both suitable and affordable at the same time. If you are looking for a health insurance plan as an individual or a family, expect to pay more. This is because the whole cost of the insurance will be borne by you.
There are a number of considerations you have to think of when you are going for these plans. For instance, you will need to consider the deductibles, co payments and coinsurances you are paying when you are going for these plans. Based on these factors, you may choose between HMO, POS and PPO type of plans. If you want to save taxes as well, you might consider going for a HSA type of plan.
Group health insurance in Wisconsin
A small group is defined as one which has between 2 and 50 members. Under the HIPAA provisions, groups of this size are to be provided guaranteed renewability so far as health insurance is concerned. This prevents a carrier from refusing you covers due to any problems with your health status. If a person is found lacking in prior health covers, the carrier may impose a look back period of 6 months and deny you cover for 12 months at the most. The rates of premiums that are to be paid are also determined by medical underwriting. The carrier may consider a number of characteristics of the group including health, age and other factors.
If you are unable to secure health insurance form either of the two alternatives mentioned above, you might try the high risk pool in Wisconsin.
COBRA coverage in Wisconsin
Though most groups which have more than 20 members are regulated by laws under COBRA, the state has its own set of laws under mini COBRA for groups which are smaller. Members of this group are provided guaranteed covers for 18 months after they cease to become a member of a group. However, the members must have had coverage of at least three months under a group plan previously. Also, the individual would bear the costs of the continuation of the insurance. Conversion plans are also offered under these continuations.
Medicaid provisions in Wisconsin
This is a program sponsored by both the state and the federal governments. Under the provisions of this program, long term care services and medical assistance are provided to women and children who have a particular income level. Some people under Medicare are also allowed these facilities under Medicaid. The provisions also apply to people who are disabled and residents of nursing homes.
Other health insurance options in Wisconsin
Wisconsin also offers the BadgerCare program. This facility is provided to children under the age of 19. The children must not have any other health insurance and they may not be eligible for Medicaid.
Easy Quotes from the Top Wisconsin Health Insurance Carriers
Our service will help you secure the most suitable Wisconsin health insurance quote for yourself. Through our service, you can get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Wisconsin Health Insurance
If you have always wanted a fast and easy way of securing insurance, this is it. The only thing you have to do is to fill in a simple form with some basic information. This will be kept confidential and will be used only to provide you with medical insurance quotes. When you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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