«

»

Wisconsin Health Insurance Quotes – Instantly Compare Rates

Get affordable health insurance coverage in Wisconsin with pre-existing conditions covered, and a federal subsidy to help pay your premium. Badger State Marketplace plans are available at the absolute lowest available rates both on and off the Marketplace. Single, family, self-employed, and small-business coverage is offered from top-rated companies. For applicants that have reached age 65, Senior Supplement and Advantage options are offered. Medigap and Part D prescription drug contracts help reduce potential out-of-pocket costs. Many Advantage contracts include coverage for medications.

Your instant online free quotes allow you to easily compare the Badger State options that provide the benefits you want at a cost that fits within your budget. Your application for qualified  policies during Open Enrollment is virtually guaranteed. However, you can still obtain coverage at any time throughout 2018 with a Special Enrollment Period (SEP) exception or choosing short-term or alternative plans. The OE period begins November 1st and ends December 15th. For Seniors, the enrollment period is from October 7th to December 15th.
 

Health Insurance Companies In Wisconsin

 

Dean Health Plan -- As one of the largest integrated health plans in the US, Dean has offered policies to individuals and employers since 1983. Network providers are located predominantly in the Southern portion of the state. Catastrophic, comprehensive, and HSA options are available.

Children's Community Health Plan (CCHP) offers coverage in the southeastern portion of the state. Affiliated with Children's Hospital Of Wisconsin, CCHP offers "Together with CCHP" and BadgerCare Plus" plan options.

Common Ground Healthcare Cooperative -- CGHC offers private and business plans to residents in the Eastern portion of the state. As a nonprofit organization, they were created with the primary purpose of operating as a CO-OP Section 1322, as specified by the Affordable Care Act legislation. The service area is 19 counties and the home office is located in Brookfield. Premiums and mail correspondence are forwarded to a Milwaukee office.

HealthPartners -- HealthPartners is an integrated carrier that is the largest consumer-operated non-profit healthcare organization in the US. More than one million patients are served by a network with about 2,000 physicians. The company is based in Bloomington, Mn.

Network Health -- Headquartered in Menasha, Network Health services 22 counties and more than 125,000 customers. In addition to private Exchange coverage, they also offer Group plans and Medicare Advantage options. "Empower," a local wellness program, is widely used and very popular. The 22 participating Counties are Brown, Calumet, Dodge, Door, Fond du Lac,  Green Lake, Kewaunee, Manitowac, Marquette, Milwaukee, Oconto, Outagamie, Ozaukee, Portage, Racine, Shawano, Sheboygan, Washington, Waukesha, Waupaca, Waushara, and Winnebago.

Group Health Cooperative SCW -- SCW is a non-profit company that offers plans in the Dane County area. About 80,000 persons are enrolled in single or family coverage. They own five medical clinics in Madison (Capitol, DeForest, East, Hatchery Hill, and Sauk Trails) and partner with several hospitals, including Stoughton, St. Mary's, Meriter, and University of Wisconsin. Complimentary services include massage therapy, yoga, and acupuncture.

MercyCare Health Plans -- Since 1994 MercyCare has been offering affordable policies in southern Wisconsin and northern Illinois. Currently, more than 40,000 persons are covered. About 70 facilities are available for policyholders in Jefferson, Green, Rock, Walworth, and McHenry Counties.

Security Health Plan -- Security, a non-profit HMO, is part of Marshfield Clinic Health System. Policies are available to individuals, families and employers. Available in 41 counties, approximately 250,000 persons are covered.

Unity -- Unity Health Plans Corporation is part of UW Health. For more than a decade, they have been recognized as offering one of the top 50 HMO and POS products.

Medica Health Plans Of Wisconsin -- Medica is a non-profit tax-exempt company that offers coverage in Minnesota, Iowa, Wisconsin, Nebraska, North Dakota, and South Dakota. With almost 2 million persons covered, they also provide nationwide network coverage.

Aspirus Arise -- Aspirus is a non-profit healthcare company with their head office in Warsau. Arise is based in De Pere. Eight hospitals in Wisconsin and Michigan are included in their network. The company was formed when Aspirus and Arise Health Plan merged. Individual, family, and small and large group coverage is offered.
 

Compare Wisconsin Medical Plans Online

Save Money With Wisconsin Catastrophic Or Bronze-Tier Plans

 

Most Affordable Wisconsin Health Insurance Plan Options

 

Catastrophic Tier (Must Be Under Age 30 To Qualify)

Dean Catastrophic Safety Net -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. Very simple concept.

Group Health Cooperative of SCW Select Catastrophic 7350 Ded/7350 MOOP -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. However, the first three pcp visits are free (no deductible, copay, or coinsurance).

Unity Prime Catastrophic -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. However, first three pcp office visits do not have to meet the deductible.

Common Ground Healthcare Cooperative Catastrophic 7350-100 -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. First three pcp office visits and annual eye exam covered at 100%.

Children's Community Health Plan Together Catastrophic -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. First three pcp office visits and annual eye exam covered at 100%. However, rate is higher than most other plans in this tier.

Medica Engage Catastrophic -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. However, first three pcp office visits are only subject to a $30 copay. The first three retail health clinic visits are only subject to a $20 copay.

 

Bronze Tier

Children's Community Health Plan Together Bronze -- $6,250 deductible with $7,350 maximum out-of-pocket expenses and 50% coinsurance. $60 pcp office visit copay. Generic drug copay is $20.

Common Ground Healthcare Cooperative Bronze 7350-100 -- $7,350 deductible with 100% coverage after deductible is met. 0% coinsurance. First three pcp office visits and annual eye exam covered with $35 copay.

Common Ground Healthcare Cooperative Select Bronze Simple Choice -- $6,650 deductible with with $7,350 maximum out-of-pocket expenses and 40% coinsurance. $35 and $75 office visit copays with $75 Urgent Care copay. The generic drug copay is $35.

Children's Community Health Plan Together Bronze HDHP -- HSA-eligible plan with $6,650 deductible and $6,650 maximum out-of-pocket expenses. Coinsurance is 0%.

Common Ground Healthcare Cooperative HSA Bronze 6650-100 -- HSA-eligible plan with $6,650 deductible and $6,650 maximum out-of-pocket expenses. Coinsurance is 0%.

Dean Focus Network Bronze HSA-E-6550X -- HSA-eligible plan with $6,550 deductible and $6,550 maximum out-of-pocket expenses. Coinsurance is 0%.

Dean Focus Network Bronze Value Copay 7350X -- $7,350 deductible with $7,350 maximum out-of-pocket expenses and 0% coinsurance. $25 pcp office visit copay for the first three visits.

Network Health Prestige Bronze 20 HDHP -- HSA-eligible plan with $5,500 deductible and $6,550 maximum out-of-pocket expenses. Coinsurance is 20%.

Network Health Prestige Bronze Essential -- $6,500 deductible with $7,350 maximum out-of-pocket expenses and 50% coinsurance. $30 and $80 office visit copays with $75 Urgent Care copay. Diagnostic tests are subject to $30 copay (lab procedures) and $60 copay (x-rays). The generic drug copay is $20 ($55 mail-order), and the preferred brand drug copay is $80 ($225 mail-order).

 

Silver Tier

Molina Marketplace Silver -- $20 and $55 office visit copays with $75 Urgent Care copay. Deductible is $2,400 with $7,150 maximum out-of-pocket expenses and 30% coinsurance. Diagnostic tests and x-rays receive an $55 copay while blood work is subject to a $35 copay. Generic and preferred brand drugs are subject to a $10 and $55 copay while Tier 3 and Tier 4 drugs are subject to 40% coinsurance.

Molina Marketplace Options Silver -- $30 and $65 office visit copays with $75 Urgent Care copay. Deductible is $3,500 with $7,150 maximum out-of-pocket expenses and 20% coinsurance. Diagnostic tests and x-rays subject to 20% coinsurance. Generic and preferred brand drugs are subject to a $15 and $50 copay while Tier 3 drugs receive a $100 copay.

Common Ground Healthcare Cooperative Envision Aurora Bellin PPO Silver 5200/80 -- $50 and $80 office visit copays. $5,200 deductible with maximum out-of-pocket expenses of $7,150 and 50% coinsurance. $10, $50, and $75 copays on Tier 1, 2, and 3 drugs.

Common Ground Healthcare Cooperative Envision Aurora Bellin PPO Silver 3800/80 -- $35 and $60 office visit copays. Urgent Care copay is $50. $3,800 deductible with maximum out-of-pocket expenses of $7,150 and 50% coinsurance. $25, $55, and $75 copays on Tier 1, 2, and 3 drugs.

Network Health Prestige Silver 0 -- Deductible is $4,000 and maximum out-of-pocket expenses are $7,150. Generic and preferred brand drugs are subject to $15 and $55 copays while all other drugs must meet deductible or coinsurance.

Network Health Prestige Silver Standard -- $30 and $65 office visit copays with a $75 copay for Urgent Care. Deductible is $3,500 and maximum out-of-pocket expenses are $7,150 and 20% coinsurance. Generic and preferred brand drugs are subject to $15 and $50 copays while non-preferred brand drugs must meet $100 copay.

Children's Community Health Plan Together Silver -- $30 and $80 office visit copay with $80 Urgent Care copay. $3,000 deductible with maximum out-of-pocket expenses of $7,150 and 40% coinsurance. Generic and preferred brand drug copays are $15 and $60, with other drugs subject to deductible and coinsurance.

Dean Focus Network Silver Value Copay 5000x -- $25 pcp office visit copay for first three visits. Specialist visits must meet deductible. $5,000 deductible with maximum out-of-pocket expenses of $7,150 and 20% coinsurance. $10 copay for Tier 1 drugs.

Dean Focus Network Silver HSA-E 3000x -- HSA-eligible plan. $3,000 deductible with maximum out-of-pocket expenses of $5,000 and 20% coinsurance.

Anthem BCBS Silver Blue Priority WI 5300 -- $35 pcp office visit copay, although specialist visits subject to coinsurance. $5,300 deductible with $6,650 maximum out-of-pocket expenses and 25% coinsurance. $10 and $40 copays for Tier 1 and Tier 2 drugs.

Unity Prime Silver 40/90 Value -- $40 and $90 office visit copays with $90 Urgent Care copay. $4,350 deductible with maximum out-of-pocket expenses of $7,150. Tier, 1, 2, 3, and 4 drug copays are $10, $50, $100, and $400 respectively.

Unity Prime Silver 30/60 -- $30 and $60 office visit copays with $60 Urgent Care copay. $5,250 deductible with maximum out-of-pocket expenses of $7,150 and 10% coinsurance. Tiers, 1, 2, 3, and 4 drug copays are $10, $50, $100, and $400 respectively.

Group Health Cooperative Select Silver Standardized Plan With Massage Therapy -- $30 and $65 office visit copays with $75 Urgent Care copay. $3,500 deductible with maximum out-of-pocket expenses of $7,150 and 20% coinsurance. $15, $50, and $100 copays for Tier 1, 2 and 3 drugs.

Group Health Cooperative Select Silver 4000 Deductible HSA With Massage Therapy -- HSA-eligible plan. $4,000 deductible with maximum out-of-pocket expenses of $4,000 and 0% coinsurance.

Gunderson Silver HSA $4400 -- 0% -- HSA-eligible plan with $4,400 deductible and maximum out-of-pocket expenses of $4,400 and 0% coinsurance.

Medica Individual Choice Silver Copay -- $30 office visit copays with identical $30 Urgent Care copay. $2,600 deductible with maximum out-of-pocket expenses of $5,750 and 40% coinsurance. Tier 1 drug copay is $10.

 

Gold Tier

Molina Marketplace Gold -- $15 and $35 office visit copays with $60 Urgent Care copay. Deductible is $1,025 with $7,150 maximum out-of-pocket expenses and 20% coinsurance. Diagnostic tests and x-rays receive an $35 copay while blood work is subject to a $15 copay. Generic and preferred brand drugs are subject to a $15 and $50 copay while Tier 3 and Tier 4 drugs are subject to 30% coinsurance.

Network Health Prestige Gold Standard -- $20 and $50 office visit copays with a $65 copay for Urgent Care. Deductible is $1,250 and maximum out-of-pocket expenses are $4,750 and 20% coinsurance. Generic and preferred brand drugs are subject to $10 and $30 copays while non-preferred brand drugs must meet $75 copay.

Network Health Prestige Gold Essential -- $15 and $35 office visit copays with a $50 copay for Urgent Care. Deductible is $500 and maximum out-of-pocket expenses are $7,150 and 20% coinsurance. Generic and preferred brand drugs are subject to $15 and $50 copays while non-preferred brand drugs are subject to 35% coinsurance.

Children's Community Health Plan Together Gold -- $10 and $35 office visit copay with $35 Urgent Care copay. $700 deductible with maximum out-of-pocket expenses of $5,750 and 20% coinsurance. Generic and preferred brand drug copays are $5 and $55, with other drugs subject to deductible and coinsurance.

Common Ground Healthcare Cooperative Envision Aurora Bellin PPO Gold 1000/90 -- $35 and $60 office visit copays. ER copay is $300. $1,000 deductible with maximum out-of-pocket expenses of $7,150 and 10% coinsurance. $10, $45, and $75 copays on Tier 1, 2, and 3 drugs.

Anthem BCBS Gold DirectAccess -- $30 pcp office visit copay, although specialist visits subject to coinsurance. $1,000 deductible with $7,150 maximum out-of-pocket expenses and 10% coinsurance. $20 and $50 copays for Tier 1 and Tier 2 drugs.

Dean Gold Copay Plus 1500X -- $30 and $60 office visit copays with $60 Urgent Care copay. $1,500 deductible with maximum out-of-pocket expenses of $3,000 and 20% coinsurance. $10 and $40 copays for Tier 1 and Tier 2 drugs. Tier 3 and Tier 4 drugs subject to 50% coinsurance.

Group Health Cooperative Select Gold Standardized Plan With Massage Therapy -- $20 and $50 office visit copays with $65 Urgent Care copay. $1,250 deductible with maximum out-of-pocket expenses of $4,750 and 20% coinsurance. $10, $30, and $75 copays for Tier 1, 2 and 3 drugs.

Unity Prime Gold 30/60 -- $30 and $60 office visit copays with $200 ER copay. $1,200 deductible with maximum out-of-pocket expenses of $6,500. Tiers 1, 2, and 3, drug copays are $10, $40, and $80 respectively.

Gunderson Gold $3500 -- 0% -- $30 office visit copays and also $30 copay for Urgent Care. $3,500 deductible with maximum out-of-pocket expenses of $3,500 and 0% coinsurance. $5, $45, and $95 copays for generic, preferred brand, and non-preferred brand drugs. Specialty drugs are subject to 45% coinsurance.

Gunderson Gold $1750 -- 30% -- $25 office visit copays and also $25 copay for Urgent Care. $1,750 deductible with maximum out-of-pocket expenses of $3,250 and 30% coinsurance. $5, $45, and $95 copays for generic, preferred brand, and non-preferred brand drugs. Specialty drugs are subject to 45% coinsurance.

Medica Individual Choice Gold Copay -- $30 office visit copays with identical $30 Urgent Care copay. $300 deductible with maximum out-of-pocket expenses of $5,000 and 30% coinsurance. Tier 1 drug copay is $10.

 

Platinum Tier

Group Health Cooperative Select Platinum Zero Primary Care Visit Copay 500 Ded/4500 MOOP With Massage Therapy -- $0 and $50 office visit copays with $0 Urgent Care copay. $500 deductible with maximum out-of-pocket expenses of $1,500 and 20% coinsurance. $10, $30, and $60 copays for Tier 1, 2 and 3 drugs.

Group Health Cooperative Select Platinum Zero Primary Care Visit Copay 500 Ded/3000 MOOP With Massage Therapy -- $0 and $50 office visit copays with $0 Urgent Care copay. $500 deductible with maximum out-of-pocket expenses of $1,000 and 20% coinsurance. $10, $30, and $60 copays for Tier 1, 2 and 3 drugs.

Group Health Cooperative Select Platinum Zero Primary Care Visit Copay No Deductible With Massage Therapy -- $0 and $50 office visit copays with $0 Urgent Care copay. $0 deductible with maximum out-of-pocket expenses of $1,000 and 20% coinsurance. $10, $30, and $60 copays for Tier 1, 2 and 3 drugs.

Gunderson Platinum $1000 -- 0% -- $50 office visit copays and also $50 copay for Urgent Care. $1,000 deductible with maximum out-of-pocket expenses of $1,000 and 0% coinsurance. $5, $25, and $75 copays for generic, preferred brand, and non-preferred brand drugs. Specialty drugs are subject to 45% coinsurance.

Gunderson Platinum $500 -- 20% -- $25 office visit copays and also $25 copay for Urgent Care. $500 deductible with maximum out-of-pocket expenses of $1,000 and 20% coinsurance. $5, $25, and $75 copays for generic, preferred brand, and non-preferred brand drugs. Specialty drugs are subject to 45% coinsurance.

 

Short-Term Plans

Temporary coverage is offered by many reputable carriers. Rates are very low, and policies can be kept for up to three months, although renewing the plan can extend coverage. However, short-term contracts cap maximum annual payouts, out-of-pocket expenses are generally higher than Exchange plans, and federal subsidies can not be used to lower premiums. Also, since they are not "compliant" plans, the insurer is not obligated to cover pre-existing conditions. However, these contracts still must be approved by the Wisconsin Department of Insurance, and the carrier must request to file rate increases in advance.

If Open Enrollment was missed or forgotten, these types of policies are often the best choice to provide effective stopgap coverage until the next available OE. Listed below are sample monthly rates for a 35 year-old non-smoking male that resides in the Milwaukee area:

$63 -- UnitedHealthcare -- $10,000 deductible with 30% coinsurance.

$70 -- HCC Life -- $7,500 deductible with 50% coinsurance.

$72 -- HCC Life -- $7,500 deductible with 20% coinsurance.

$76 -- UnitedHealthcare -- $5,000 deductible with 30% coinsurance.

$80 -- HCC Life -- $2,500 deductible with 50% coinsurance.

$91 -- National General -- $5,000 deductible with 20% coinsurance.

$98 -- National General -- $2,500 deductible with 20% coinsurance.

$108 -- HCC Life -- $1,000 deductible with 20% coinsurance.

 

Wisconsin Medicare Supplement Quotes From Top-Rated Companies

Affordable Wisconsin Senior Medigap Plans Are Available

 

Senior Wisconsin Health Insurance

Medigap plans are guarantee-issue during designated Open Enrollment periods. Retirees should begin reviewing plan options before they reach age 65. Applicants that have already reached age 65, but have not yet purchased supplementary benefits, should strongly consider reviewing available plans, especially if a serious medical condition exists, or there is pending surgery or major medical treatment.
 

Persons that have qualified for SS Disability are possibly eligible for early benefits, even if they have not reached age 65. Although prices must be approved by the State DOI, it is possible for a carrier to discount premiums for paying annually vs. monthly.

 

Medicare Supplement

 

"Basic" plans provide basic benefits, skilled nursing facility coinsurance (Part A), 175 additional days of inpatient mental health care benefits, and 40 home health care visits. 25% and 50% cost-sharing policies are also offered, which provide coverage that is similar to "L" and "K" Supplement plans.

State-issued policies receive an exception waiver from federal A-N standardization required regulations. Therefore, Wisconsin-issued plans are often different than contracts available in other states. Some of the mandated (required) benefits for all plans include:

Inpatient and outpatient Kidney disease expenses up to $30,000 per year.

Chiropractic Care.

Colorectal Cancer screening

Breast reconstruction following a mastectomy

Home Health Care

Skilled nursing facilities

$30,000 per year for treatment of kidney disease

Diabetes treatment, even if not covered by Medicare

NOTE: Advantage plans are not required to include these state-mandated benefits. Also, comprehensive mental health coverage is typically included on most plans.

 

Companies Offering Medicare Supplement Plans In Wisconsin

Aetna

American Continental

American Republic

American Retirement Life

Blue Cross Blue Shield Of Wisconsin

Central States

Colonial Penn

Combined Insurance

Gerber Life

Globe Life

Government Personnel Mutual

Greek Catholic Union

Gunderson Health

Humana

Individual Assurance

Manhattan Life

Medico

Mutual Of Omaha

Order Of United Commercial Travelers

Pekin Life

Physicians Life

Reserve National

Security Health Plan Of Wisconsin

Standard Life And Accident

Stare Farm

Thrivent

Unified Life

United American

Western Catholic Union

Wisconsin Physicians Service

 

Medicare Advantage Plans Without Drug Prescription Benefits

DeanCare Gold Basic

DeanCare Gold Enhanced

DeanCare Gold Shared Value

Gunderson Senior Preferred Elite

Gunderson Senior Preferred Value

HealthPartners Wisconsin Freedom Balance

HealthPartners Wisconsin Freedom Basic

Medical Associates Community Plan

Medical Associates Freedom Plan

Medical Associates SmartPlan

AARP MedicareComplete Essential

Advocare Essense

Advocare Spirit

Network PlatinumPlus

Network PlatinumPremier

HumamaChoice

NetworkPrime

Secure Saver

 

Medicare Advantage Plans With Drug Prescription Benefits (Many Plans Offer Coverage With And Without RX)

Gunderson Senior Preferred Elite

Gunderson Senior Preferred Value

HealthPartners Wisconsin Freedom Balance

AARP MedicareComplete Value

Advocare Essence RX

Advocare Spirit RX

Assurance RX

Humana Gold Choice

Humana Gold Plus

HumanaChoice

NetworkCares

Network PlatinumPlus Pharmacy

Network PlatinumPremier Pharmacy

Network PlatinumSelect

UnitedHealthcare Assisted Living Plan

UnitedHealthcare Dual Complete

UnitedHealthcare Nursing Home Plan

Anthem MediBlue Access

Anthem MediBlue Dual Advantage

Anthem MediBlue Plus

Medica Prime Solution Basic

Medica Prime Solution Enhanced

Medica Prime Solution Value

Care Wisconsin Partnership

Care improvement Plus

iCare Family Care Partnership

MHS Health Wisconsin Advantage

Dean Advantage Assurance

Dean Advantage Balance

Dean Advantage Confidence

Molina Medicare Options Plus

 

Wisconsin Prescription Drug D Plans

Anthem Blue MedicareRx Plus

Anthem Blue MedicareRx Premier

Anthem Blue MedicareRx Standard

Express Scripts Medicare -- Value

Express Scripts Medicare -- Choice

SilverScript Choice

SilverScript Plus

WPS MedicareRx Plan 1

WPS MedicareRx Plan 2

AARP MedicareRx Preferred

Aetna Medicare Rx Saver

First Health Part D Premier Plus

First Health Part D Value Plus

AARP MedicareRx Saver Plus

Cigna-HealthSpring Rx Secure-Extra

Cigna-HealthSpring Secure

EnvisionRxPlus

Humana Enhanced

Humana Preferred Rx Plan

Humana Walmart Rx Plan

AARP MedicareRx Walgreens

Symphonix Value Rx

WellCare Classic

WellCare Extra

Leave a Reply

Your email address will not be published. Required fields are marked *