Wisconsin Health Insurance
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According to the Center for Disease Control, an average of 9.5% of Wisconsin residents went uninsured for Wisconsin health insurance each year between 2001 and 2003.
Free Health Insurance Quotes
To get free quotes on Wisconsin health insurance, enter your zip code into the form below and click "Get My Quotes."
Wisconsin Health Insurance Regulations
All Wisconsin residents who are covered under a group or employer’s health insurance plan cannot be denied or limited access to the Wisconsin health insurance coverage under the plan. Individuals looking for individual Wisconsin health insurance plans, however, can be denied or limited coverage based on health, age and other factors. Any individual who wishes to renew an existing Wisconsin health insurance policy is guaranteed the right to renew the existing policy provided all contract terms were met. This is called guaranteed renewability.
Pre-Existing Conditions
Individual Wisconsin health insurance plans can impose elimination riders and pre-existing condition exclusion periods. Elimination riders can exclude any condition from coverage for the duration of the Wisconsin medical insurance policy. Any condition that existed prior to the beginning of the Wisconsin health insurance plan can count as a pre-existing condition and can be excluded from coverage for up to 2 years.
Pregnancy
Pregnancy can count as a pre-existing condition. Newborns and adopted children are automatically covered under the parent’s individual Wisconsin health insurance plan for the first 60 days after birth or adoption provided the health insurance plan covers dependents. Disabled children may remain under a parent’s Wisconsin health insurance policy beyond the age at which most dependents cease being covered.
Rates
Wisconsin health insurance rates vary depending on the health and age of an individual. Premiums may also increase with policy renewals depending on the policy and changes of an individual.
Temporary Insurance
Temporary Wisconsin health insurance is also available for individuals who wish to purchase coverage for times between plans or employer coverage.
Alternative Wisconsin Health Insurance Options
For individuals who have difficulty obtaining individual Wisconsin health insurance, there are some state programs that my help:
- Wisconsin Medicaid is available to any individual who meets the eligibility and qualifying criteria.
- Wisconsin Health Insurance Risk Sharing Plan is the state’s high risk pool that allows “uninsurable” individuals to purchase health insurance through a state plan. Pre-existing condition periods may apply.
- BadgerCare is Wisconsin’s Children’s Health Insurance Program that is designed to provide health insurance to children up to age 19 and their parents who may not qualify for Medicaid and who may not be able to afford Wisconsin health insurance.
Information on Wisconsin Health Insurance
Wisconsin Insurance Commission
Office of the Commissioner of Insurance
125 South Webster Street
Madison, Wisconsin 53702
(608) 266-3585, Madison
(800) 236-8517, statewide
711 (TDD)(ask for 608-266-3586)
fax: (608) 266-9935
http://oci.wi.gov
Wisconsin Health Insurance Organizations
According to the Wisconsin Insurance Commission, the following is a list of Health Maintenance Organizations (HMOs) licensed to do business in Wisconsin:
Abri Health Plan, Inc.
W180 N11711 RIVER LANE
GERMANTOWN, WI 53022
(888)999-2404 (262)946-1200
Children's Community Health Plan, Inc.
9000 W WISCONSIN AVE
MILWAUKEE, WI 53201
(414)266-6328
Community Care Health Plan, Inc.
1555 S LAYTON BLVD
MILWAUKEE, WI 53215
(414)902-2518
Compcare Health Services Insurance Corporation
6775 W WASHINGTON ST
WEST ALLIS, WI 53214
(800)242-7312 (414)459-5000
Dean Health Plan, Inc.
1277 DEMING WAY
MADISON, WI 53717
(608)836-1400
Elder Care Health Plan, Inc.
2802 INTERNATIONAL LANE
MADISON, WI 53704
(608)245-3061
Group Health Cooperative of Eau Claire
PO BOX 3217
EAU CLAIRE, WI 54702-3217
(715)552-4300
Group Health Cooperative of South Central Wisconsin
P O BOX 44971
MADISON, WI 53744-4971
(800)605-4327 (608)251-4156
Gundersen Lutheran Health Plan, Inc.
1836 SOUTH AVE
LACROSSE, WI 54601
(608)782-7300
Health Plan for Community Living, Inc.
1414 MACARTHUR RD
MADISON, WI 53708-8028
(608)242-8335
Health Tradition Health Plan
4001 41ST ST NW
ROCHESTER, MN 55901
(888)459-3020 (877)832-1823
Humana Wisconsin Health Organization Insurance Corporation
P O BOX 740036
LOUISVILLE, KY 40201-7436
(800)558-4444 (502)580-1000
Independent Care Health Plan
1555 N RIVERCENTER DR
STE 202A
MILWAUKEE, WI 53212
(414)223-4847
Managed Health Services Insurance Corp.
7711 CARONDELET AVE
STE 800
ST. LOUIS, MO 63105
(314)725-4477
Medica Health Plans of Wisconsin
P O BOX 9310
MINNEAPOLIS, MN 55440-9310
(952)992-2900
Medical Associates Clinic Health Plan of Wisconsin, The
1605 ASSOCIATES DR
STE 101
DUBUQUE, IA 52002
(563)556-8070
MercyCare HMO, Inc.
P O BOX 2770
JANESVILLE, WI 53547-2770
(800)752-3431 (608)752-3431
Network Health Plan
P O BOX 120
MENASHA, WI 54952
(800)826-0940 (920)720-1200
Partnership Health Plan, Inc
2240 EASTRIDGE CENTER
EAU CLAIRE, WI 54701
(715)838-2910
Physicians Plus Insurance Corporation
22 E MIFFLIN ST
STE 200
MADISON, WI 53703
(800)545-5015 (608)282-8900
Security Health Plan of Wisconsin, Inc.
P O BOX 8000
MARSHFIELD, WI 54449-8000
(800)472-2363 (715)221-9555
Touchpoint Health Plan, Inc.
PO BOX 507
APPLETON, WI 54912-0507
(920)735-6300
UnitedHealthcare of Wisconsin, Inc.
10701 W RESEARCH DR
WAUWATOSA, WI 53226-0649
(800)879-0071 (414)443-4000
Unity Health Plans Insurance Corporation
840 CAROLINA ST
SAUK CITY, WI 53583
(800)362-3308 (608)643-2491
WPS Health Plan, Inc.
P O BOX 14540
MADISON, WI 53708-0540
(608)221-4711
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