There are four main Wisconsin Health Insurance companies to choose from and they include Blue Cross Blue Shield of Wisconsin by Anthem, Humana One, United Health One, and WPS Health Insurance a non-profit Wisconsin health insurance company. You can get a quote from any of them by following our Wisconsin health insurance quotes link.
Wisconsin also offers a high risk pool sharing plan for those that are HIPAA eligible as well as those that have been declined for HIV, and those that have been awarded Medicare due to disability. And of course if you have been declined for individual health insurance by one more health insurance companies within the previous nine months. There are other situations as well that the HIRSP plan is available for including those that have received a 50% increase in premium for medical coverage or a rider on a physical condition.
Really, Wisconsin has done a great job in offering coverage to high risk individuals and they should certainly be applauded for these efforts.
You can get more information on the Wisconsin Plans from http://oci.we.gov/oci and you can reach the HIRSP at 800 826 4777. BadgerCare for SCHIP is available at 800 362 3002.
Wisconsin Health Insurance Companies
WPS Health Plans of Wisconsin
WPS Health Insurance Brochure and Benefit Summary
Of these plans the non-profit plan of course dominates the market in terms of price and benefits, so we certainly recommend WPS as a first choice, if you can qualify for the plan medically. The reason of course if quite simple: WPS Health Insurance offers the most health insurance coverage for the least money in Wisconsin.
Established by the Wisconsin Medical Society in 1946, WPS Health Insurance is one of the largest not-for-profit health insurers in the state. More than 60 years later, we remain committed to our original mission: to provide affordable, comprehensive health coverage for our friends and neighbors right here in Wisconsin.
The next plans that we like in the Wisconsin medical insurance market are from Anthem Blue Cross and Blue Shield. These plans are very affordable and Anthem has proven time and again to offer great, dependable health insurance plans in all the states where they do business. As a mutual health insurance company they make their policy owners shareholders in the company, which theoretically leads to lower premiums.
Anthem Blue Cross and Blue Shield
Anthem Blue Cross Blue Shield of Wisconsin Premier Plan Health Insurance Brochure and Benefit Summary
Anthem Blue Cross Blue Shield of Wisconsin Smart Sense Health Insurance Brochure and Benefit Summary
Anthem Blue Cross and Blue Shield is a mutual insurance company providing health care management, health care coverage products and services, and government program administration to millions of Americans. Today, the Blue Cross and Blue Shield symbols are among the nation’s most familiar and trusted trademarks. 1Founded in 1944, and based in Indianapolis, Anthem’s Central Region offers residents of Indiana, Kentucky, Ohio, Missouri and Wisconsin a wide variety of innovative and affordable health coverage plan options.
Below I have included a couple of Blue Cross brochures to get a sense of their plans. These are the two most popular health insurance plans as they both offer copay’s and prescription coverage before the deductible is met. In other they are not the new Consumer Driven Health Plans, though Blue Cross Blue Shield certainly offers those plans as well. But for the most part, most consumer’s in our experience prefer the traditional health insurance plan which covers more first dollar items like office visits and so forth.
Humana One Wisconsin
Humana One Portrait Wiconsin Health Insurance Brochure
Humana One in Wisconsin is pretty much like their plans in every state except that they of course must follow the Wisconsin health insurance laws. Otherwise their plans are identical to their offerings in every other state. The Humana One Portrait plan is their most popular individual health plan because it again, covers office visits and prescriptions before the deductible.
Their Monogram and Autograph plans are their higher deductible offerings which are more in the Consumer Driven Health Plan category then the Portrait, though the Autograph 5000 plan does offer limited office visits and prescription coverage before the deductible.
But as I said in the beginning, as a Wisconsin resident you would be silly to not consider the WPS plans as they are much more affordable then these plans, and I only wished that I had health plans like these in other states.
Still if you don’t like the WPS plan (which you might not) then I would certainly consider the Humana plans as well.
United Health One of Wisconsin
United Health One Wisconsin Health Insurance Benefit Summary
Wisconsin health insurance by United Health One or formerly Golden Rule is certainly unique. These plans are not domiciled in Wisconsin and also offer large commissions to brokers. I am not by any means suggesting that they are bad as I indeed have the plan on myself, but rather that you might get a better deal from a company that pays less commission. Of course they have an excellent network and great prescription benefits as well so they should not be left out of your shopping, but I am not giving them the number one ranking in any state.
I ran a Green Bay health insurance quote for a 34 year old single male to get an idea of the plans available in Wisconsin, and in most states I post the results but because the WPS plans so clearly beat the other companies throughout the state, I am simply awarding the WPS plans the East Coast Health Insurance Winner for Most Health Insurance for the Least Money. Not to mention the fact that they are non-profit, and the winner is quite clear.
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