Wisconsin Health Insurance
As a resident of Wisconsin, you have plenty of Wisconsin health insurance options to choose from. There are multiple insurance companies in Wisconsin that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Wisconsin. See some of the state's top health insurance companies and read about the important Wisconsin health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Wisconsin health insurance programs.
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If you would like to get free quotes and compare Wisconsin health insurance plans now, start with our simple form on the left.
Resources on this page
Wisconsin Health Insurance Laws and Regulations
Public Health Insurance Programs for Wisconsin Residents
Wisconsin Health Insurance High Risk Pools
Wisconsin Health Insurance Companies
Wisconsin Health Insurance Laws and Regulations
Before a Wisconsin health insurance company will accept an applicant for coverage and set their premiums, they look at the applicant's health status.
But Wisconsin health insurance shoppers do have some protections according to state and federal laws. For example, insurers in the state are not allowed to cancel a policyholder's coverage if they become sick or get injured.
All Wisconsin health insurance plans are also required to cover certain medical services. Some of these mandated services include:
- Screening for cervical and breast cancer
- Diabetes care
- Care for pregnant women
- Vaccinations for children
In addition, Wisconsin health insurance law requires insurers to cover mental and physical health conditions equally.
The federal government provides protection for health plan shoppers in Wisconsin as well. Residents who recently left an employer's group health plan and meet other requirements are HIPAA-eligible, which prohibits insurers from restricting coverage.
Learn more about HIPAA here.
Residents who are turned down for coverage because of their health status, they can purchase coverage through the state's high-risk health insurance pool, the Wisconsin Health Insurance Risk Sharing Plan.
Wisconsin Public Health Insurance Programs
The public Wisconsin health insurance programs that provide financial assistance for low-income residents include:
- Medicaid
The Wisconsin Medicaid program is designed to provide health insurance for qualifying low-income residents and disabled citizens. To learn more about the Medicaid program in Wisconsin, visit them online at http://dhs.wisconsin.gov/medicaid/. - BadgerCare Plus
This program provides health coverage for any child in Wisconsin who has no insurance. To find out more information about this Wisconsin health insurance program, visit them online. - Wisconsin Well Woman Program
Low-income women in Wisconsin can receive free screening for cervical and breast cancer through this program. Find out more about this women's Wisconsin health insurance program on their website. - Wisconsin Medicare
Seniors can get Wisconsin health insurance through Medicare Advantage, Supplement and Original Medicare.
Certain trade workers and early retirees in Wisconsin can also get financial assistance from the federal government through the Federal Health Coverage Tax Credit. To learn more, visit the program's website.
Wisconsin Health Insurance High Risk Pools
The Patient Protection and Affordable Care Act established temporary high risk pools to provide health insurance for individuals with medical conditions.
The Pre-Existing Condition Insurance Plan (PCIP) in Wisconsin will run similar to Wisconsin health insurance policies in which enrollees have to pay monthly premiums and out-of-pocket expenses.
Enrollees in the Wisconsin PCIP will pay about the same that people without medical conditions pay for health insurance. The estimated monthly premium cost for Wisconsin residents will range from $127 to $474. The deductible will range from $500 to $3,500 which must be met before coverage for health insurance benefits will kick in. There is an out-of-pocket limit set at $1,000 for medical services.
Wisconsin residents with medical conditions will have health insurance coverage for doctor and hospital visits, emergency services, prescription drugs and more.
Individuals are eligible for Wisconsin PCIP if they are a United States citizen, have a pre-existing condition and have been uninsured for six months.
For more information on the Wisconsin health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Wisconsin:
Anthem Blue Cross and Blue Shield of Wisconsin Health Insurance
Anthem is one of Wisconsin's largest providers of health insurance. They offer residents affordable plans and access to an extensive network of doctors and hospitals.
Arise Health Plan Health Insurance
Arise Health Plan is a wholly owned subsidiary of the parent company, which allows for them to have access to all the technological resources their customers and the health insurance market need.
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Dean Health Plan, Inc. Health Insurance
Dean Health Plan is one of the largest integrated health insurance delivery systems in the United States with over 250,000 members and over 1,900 physicians to serve them.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Physicians Plus Health Insurance
Physicians Plus, founded in 1986, is a nationally recognized managed care organization location in Madison, Wisconsin. They provide primary, specialty and hospital care to over 110,000 members through their network of over 3,000 doctors and health professionals.
Security Health Plan Health Insurance
Security Health Plan is a physician-directed health plan established in 1986. They cover more than 185,000 members in Wisconsin and have a network of 42 hospitals, 4,000 physicians, and over 55,000 pharmacies.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
UnitedHealthOne Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Unity Health Insurance Health Insurance
As an affiliate of the University of Wisconsin Hospital and Clinics and the University of Wisconsin Medical Foundation, Unity Health Insurance is part of the academic medical center and health system for the University of Wisconsin.
WPS Health Insurance
The WPS Health Insurance Company helps consumers select the right individual, family, Medicare, and prescription drug plan to help fulfill your health care needs as well as your budget.
WorldIns ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Wisconsin Office of the Commissioner of Insurance and Department of Health and Family Services
Find the contact information for the Wisconsin health insurance and health and family services departments at:
Wisconsin Office of the Commissioner of Insurance
125 South Webster Street
Madison, Wisconsin 53703-3474
Phone: (800) 236-8517
http://oci.wi.gov/
Wisconsin Department of Health and Family Services
1 W. Wilson Street
Madison, WI 53703
Phone: (608)266-1865
http://www.dhfs.state.wi.us/
