Statistics show that residents of Wisconsin recognize the importance of having some health insurance coverage. They are in the top ten states with most residents covered in some way, so it doesn’t come as a surprise that many of them are interested in their available options. HealthQuoteInfo can help on this front by showing you numerous Wisconsin health insurance plans that might suit your needs.
Wisconsin Health Insurance Basics: What Every Resident Needs to Know
To view your options, enter your zip code in our search bar, and you’ll be presented with a wide array of available plans and packages in your area. It will include options for families and individuals from private carriers like Cigna, Cigna PDP, Golden Rule, Humana, and UnitedHealthcare Life Insurance Company.
Group Plans & Small Business Health Insurance Wisconsin
Like in other states, group plans are also available in Wisconsin. Typically provided by employers, it can help you become eligible for a plan as medical underwriting for such packages is not done individually. The carriers will look at your group’s overall health instead so it can ensure that you’ll get coverage.
However, there are certain limitations that come with group health insurance. One example is that you can’t always choose the kind of coverage you’ll get. The inclusions of your plan will be decided by your employer so it might not entirely suit your needs.
Another is the fact that you might be paying more than what you should if you have an individual plan. Because you were underwritten as a part of a group, other factors brought in by your co-workers could up your premiums even if you’re younger and healthier.
Job-sponsored group plans are very convenient, however. You can skip the stress of having to browse various packages to find one that works for you. You also don’t have to pay your premiums at the full price since part of it will be shouldered by your employer.
Most importantly, even if you lose your job, you still don’t have to be uninsured while looking for a new job, as COBRA covers group plans.
COBRA Health Insurance Coverage in Wisconsin
This government program mandates employers to extend your coverage for up to 18 months, so you don’t have to be uninsured while you’re in-between jobs. Although, you will have to pay the full price of the premium for COBRA.
But as Wisconsin doesn’t require employers to provide health insurance to their employees, a lot of residents will need to look for available options on their own. Small business owners have the option to get small group plans and avail of the benefits provided by group plans.
If you cannot afford the plans offered by private insurers, HealthQuoteInfo can still be of help. We can provide the basic information you’ll need to explore other options.
Medicaid & Low Income Health Insurance Wisconsin
Wisconsin has one of the highest rates of insured residents in the country, so you can find great insurance options. The state’s healthcare program is heavily lauded by experts because despite opting out of Medicaid expansion, there is no coverage gap in their program.
No other state can say the same, making Wisconsin an interesting case. This means that they didn’t need the federal funding for Medicaid expansion to cover a large portion of their low-income population.
Locally known as ForwardHealth, Wisconsin’s Medicaid program offers a wide range of healthcare policies that cater to various sectors’ and individuals’ medical needs. These include the BadgerCare Plus which provides coverage to all eligible residents, the Care4Kids which covers children in out-of-home care in select counties, and Family Planning-Only Programs.
They also have special programs in select counties for children with long-term disabilities, complex medical needs, mental health challenges like the Children Come First and Katie Beckett.
ForwardHealth also offers assistance to those who are suffering or at risk of certain diseases.
Wisconsin Well Woman Program
Their “Wisconsin Well Woman Program” or WWWP caters to low-income women aged 45 to 64 without or with limited health insurance coverage. It provides preventive health screening services to help them detect early signs of serious ailments. Their services include routine checkups and screenings, Pap tests, mammograms, and multiple sclerosis testing. There are no premium, copayments, or deductibles for this program.
The Wisconsin Chronic Disease Program, on the other hand, is designed for residents who are diagnosed with hemophilia, chronic renal disease, and adult cystic fibrosis. Certain copayments and annual deductibles are required from members of this program, however.
To qualify for ForwardHealth, one has to be aged 65 and above, disabled, or blind. They should also be US citizens or legal immigrants with a family income that meets the required program limit. This amount is usually up to the poverty level which allows a lot of people to qualify for the program. For a more detailed discussion on ForwardHealth’s programs, you can click here.
Wisconsin also established a high-risk pool for those who are deemed medically uninsurable by private carriers due to their pre-existing conditions. Known as Wisconsin’s Health Insurance Risk-Sharing Plan or HIRSP, one still has to meet the program’s eligibility criteria to become a member.
There’s also a six-month waiting period for coverage on services related to the policyholder’s pre-existing condition unless they meet certain prerequisites.
Enrollment in this program is also not dependent on an individual’s income or assets. However, if their income is less than $34,000 per year, they can qualify for premium reductions. If you want to know more about your eligibility for this program, click here.
Wisconsin Open Enrollment 2019 & Wisconsin Obamacare Insurance
The Wisconsin Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Wisconsin, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.