Wisconsin Health Insurance

According to the U.S. Census Bureau, nearly 500,000 Wisconsin residents are living without health insurance today. The state has addressed its health insurance disparity by providing several public assistance programs for its residents. Eligibility for these programs depends on income, Medicare / Medicaid status, dependents and other criteria.

Unable to find adequate health coverage due to affordability, lack of eligibility for Medicare, employer group coverage or lack of employment, some Wisconsinites have sought the resources of HIRSP — the Health Insurance Risk Sharing Plan. HIRSP is a state sponsored advocacy for residents who are unable to obtain insurance. Created in 1979, HIRSP offers two health insurance plans for qualified residents, one of which offers reduced-cost prescription and out-of-pocket co-pays for households with incomes of $33,000 or less. However, with premiums increasing and a 6-month waiting period for coverage of pre-existing conditions, HIRSP is considered a “last resort” option for many residents in the state.

BadgerCare, a relatively new program made available to low-income families without health insurance coverage, provides health benefits for another 700,000 Wisconsin residents. The BadgerPlus program includes benefits for family members and their minor children who otherwise cannot access private health insurance. Preventative care, check-ups, dental and mental health are some of the most prevalent benefits that Wisconsin low-income families can use as a BadgerCare or Badger Plus subscriber.

Wisconsin Individual Health Insurance

With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in Wisconsin are suddenly finding themselves let go from jobs that offered group health insurance. As a Wisconsin resident, individual health insurance is an affordable option you should consider. Your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Wisconsin are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.

Wisconsin Group Health Insurance

Group health insurance in Wisconsin is sold to businesses and organizations who then provide coverage to their employees and members. These group and business health insurance plans are inexpensive when compared to individual or family coverage, because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions.  In fact, all small group health insurance plans are required to be guaranteed issue according to federal law.

Wisconsin Family Health Insurance

Choosing quality, affordable health insurance in Wisconsin can seem impossible at first. However, once you know what to look for it is easy enough to compare policies and choose the one that is best for you and your family’s needs.

Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.

Wisconsin Short Term Health Insurance

Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance in Wisconsin is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans and make it through the waiting period without feeling desperate.

Wisconsin Student Health Insurance

When attending college in Wisconsin, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. While you may be young and healthy now, sudden illness and accidents can happen. In that case, you will be very happy if you have student health insurance. Don’t end up graduating with medical debt in addition to student loans!