Wisconsin Health Insurance Plans – Instantly Compare Most Affordable 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 2022 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 the year 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

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.

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.

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.

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.

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.

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.

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.

Molina -- Molina offers private plans again after leaving the Exchange last year. Only Gold and Silver-tier options are available. Prices are very competitive after the DOI granted a large rate decrease.

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.

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

Unity -- Unity Health Plans Corporation (Quartz) 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. Unity owns Quartz Health Solutions, which is a health plan management and services company. More than 1,400 doctors and specialists are available through their network, and a digital wellness program is available to all members.

WPS (Arise Health Plan) -- Aspirus Arise is a dual venture between WPS Health Solutions and Aspirus. Created four years ago, individuals, families, and small businesses can access plans. HMO, POS, and HSA-qualified HDHP options are available.

Counties with the most participating companies are Waukesha with seven carriers, and Adams, Brown, Dodge, and Juneau with five carriers. The complete listing of health insurance companies in Wisconsin is updated each year.

 

2022 Rate Change Requests

 

Anthem BCBS HMO -- 3.86% decrease

Aspirus Arise HMO -- 3.43% increase

Aspirus Arise POS -- 5.16% increase

Children's Community Health Plan Together -- 2.76% increase

Common Ground Healthcare Cooperative EPO Individual -- 5.72% decrease

Common Ground Healthcare Cooperative EPO Individual with Allergy -- 3.85% decrease

Dean Health Plan Individual HMO -- 0.54% decrease

Dean Health Plan Individual EPO -- 0.81% decrease

Dean Health Plan Individual EPO Direct -- 0.81% decrease

Dean Health Plan Individual HMO Direct -- 0.04% increase

Dean Prevea360 Health Plan Individual HMO -- 2.67% decrease

Dean Prevea360 Health Plan Individual HMO Marketplace -- 2.71% decrease

 

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)

Common Ground Healthcare Cooperative Catastrophic 8700 -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. $0 copay for primary care visits.

Children's Community Health Plan Together Catastrophic -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. First three pcp and telehealth office visits and annual eye exam covered at 100%.

Aspirus Arise HMO Catastrophic $8700 -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. The first three pcp office visits are subject to a $0 copay.

Dean Catastrophic Safety Net -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. The first three pcp office visits are free.

Group Health Cooperative Select Catastrophic 8700 -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. The first three pcp office visits are free.

Quartz Prime Catastrophic I101  -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. First three pcp and telehealth office visits and annual eye exam covered at 100%.

Security Health Plan SimplyOne Protection -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance.

Medica Individual Choice Catastrophic -- $8,700 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.

HealthPartners Robin Oak  $8700 Catastrophic -- $8,700 deductible with 100% coverage after deductible is met. 0% coinsurance. The first three pcp office visits are subject to a $30 copay. The first three Convenienience Care pcp office visits are subject to a $15 copay.

 

Bronze Tier

Common Ground Healthcare Cooperative HSA Bronze 7000-100 -- HSA-eligible plan with $7000 deductible and $7000 maximum out-of-pocket expenses. Coinsurance is 0%.

Common Ground Healthcare Cooperative Bronze 8550-100 -- $8,550 deductible with 100% coverage after deductible is met. 0% coinsurance. PCP office visits covered with $35 copay.

Common Ground Healthcare Cooperative Bronze 8150-100 -- $8,150 deductible with 100% coverage after deductible is met. 0% coinsurance. PCP office visits covered with $30 copay. $25 generic drug copay.

Together Bronze -- $7,000 deductible with $8,550 maximum out-of-pocket expenses and 50% coinsurance. Office visit copays are $60 and $120, and generic drug copay is $20.

Together Bronze HDHP -- HSA-eligible plan with $7,000 deductible and $7,000 maximum out-of-pocket expenses. Coinsurance is 0%.

Network Health Prestige Bronze 0 -- $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance.

Network Health Prestige Bronze EHP  --  $7,750 deductible and $8,550 maximum out-of-pocket expenses with 50% coinsurance. Office visit copays are $55 and $110, and generic drug copay is $80. Generic and preferred brand drug copays are $30 and $80 ($70 and $225 mail order).

Dean Prevea360 Bronze HSA-E 6850X -- HSA-eligible plan with $6,850 deductible and $6,850 maximum out-of-pocket expenses with 0% coinsurance.

Dean Prevea360 Bronze Value Copay 8500X -- $8,500 deductible with 100% coverage after deductible is met. 0% coinsurance. First three pcp office visits covered with $125 copay.

Quartz Beloit One Bronze 1201 -- $8,000 deductible with $8,250 maximum out-of-pocket expenses and 50% coinsurance. $80 and $160 office visit copays. Urgent Care copay is $160.

Quartz Beloit One Bronze 1202 -- $8,200 deductible with $8,200 maximum out-of-pocket expenses and 0% coinsurance. $50 and $100 office visit copays.

Group Health Cooperative Select Bronze 4000 Ded/8500 MOOP -- $4,000 deductible with $8,500 maximum out-of-pocket expenses and 40% coinsurance. $125 and $250 office visit copays. The Urgent Care copay is $125. Tier 1, Tier 2, and Tier 3 drug copays are $50, $200, and $300.

Group Health Cooperative Select Bronze 8550 Ded/8500 MOOP -- $8,550 deductible with $8,500 maximum out-of-pocket expenses and 0% coinsurance. $125 and $175 office visit copays. The Urgent Care copay is $125. Tier 1 drug copay is $25.

Medica Individual Choice Bronze Copay -- $7,200 deductible with $8,550 maximum out-of-pocket expenses and 50% coinsurance. $90 and $160 office visit copays. Retail health clinic pcp copay is $20. The Urgent Care copay is $90. Generic and preferred brand drug copays are $25, and $165.

Medica Individual Choice Bronze HSA -- HSA-eligible plan with $6,700 deductible and $7,000 maximum out-of-pocket expenses with 20% coinsurance.

Medica Individual Choice Bronze Copay -- $7,200 deductible with $8,550 maximum out-of-pocket expenses with 50% coinsurance. Office visit copays are $90 and $160. Generic  and preferred brand drug copays are $25 and $160.

Security Health Plan Select 8550 -- $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance.

Security Health Plan Select 7500 -- $7,500 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance. $30 and $75 office visit copays and $75 Urgent Care copay. Prescription drugs subject to deductible and copays.

HealthPartners Atlas Individual $6,900 HSA Bronze -- HSA-eligible plan with $6,900 deductible and $6,900 maximum out-of-pocket expenses. Coinsurance is 0%.

Aspirus Arise HMO Bronze $8,550 -- $8,550 deductible with 100% coverage after deductible is met. 0% coinsurance.

Aspirus Arise HMO Bronze $7,200 -- $7,200 deductible with with $8,150 maximum out-of-pocket expenses and 40% coinsurance. Tier 1, Tier 2, and Tier 3 drug copays are $20, $40, and $70 ($50, $60, and $105 mail order).

Molina Core Care Bronze 2 -- $8,000 deductible with with $8,550 maximum out-of-pocket expenses and 50% coinsurance.

Molina Core Care Bronze 1 -- $6,100 deductible with with $8,550 maximum out-of-pocket expenses and 50% coinsurance. $35 and $75 office visit copays. $35 Urgent Care copay. $27 generic drug copay.

 

Silver Tier

Children's Community Health Plan Together Silver -- $50 and $100 office visit copays. $5,400 deductible with maximum out-of-pocket expenses of $8,550 and 40% coinsurance. Generic drug copay is $15.

Children's Community Health Plan Together Silver Select -- $35 and $80 office visit copays. $3,250 deductible with maximum out-of-pocket expenses of $8,550 and 40% coinsurance. Generic drug copay is $15, and preferred brand drug copay is $55.

Common Ground Healthcare Cooperative Silver 7000/75 -- $60 and $120 office visit copays. $7,000 deductible with maximum out-of-pocket expenses of $8,550 and 25% coinsurance. $10 and $100 copays on generic and preferred brand drugs.

Common Ground Healthcare Cooperative Silver 4000/75 -- $50 and $80 office visit copays. Urgent Care copay is $100. $4,000 deductible with maximum out-of-pocket expenses of $8,550 and 25% coinsurance. $20 generic drug copay.

Network Health Prestige Silver EHP -- $25 and $80 office visit copay with $80 Urgent Care copay. First three office visits are covered at 100%. Lab tests and x-ray copays are $30 and $60. Deductible is $4,000 with maximum out-of-pocket expenses of $8,500 and 40% coinsurance. Generic and preferred brand drugs are subject to $20 and $80 copays ($55 and $225 mail-order).

Dean Silver Classic 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 $8,550 and 30% coinsurance. $15 generic drug copay.

Dean Focus Network Silver HSA-E 4500x -- HSA-eligible plan. $4,500 deductible with maximum out-of-pocket expenses of $6,900 and 20% coinsurance.

Quartz Beloit One Silver 1303 -- $75 and $160 office visit copays with $300 Urgent Care copay. $8,500 deductible with maximum out-of-pocket expenses of $8,500 and 0% coinsurance. Tiers 1, 2, and 3 drug copays are $35, $125, and $250, respectively.

Quartz Beloit One Silver 1301 -- $50 and $90 office visit copays with $90 Urgent Care copay. $4,400 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Tiers, 1, 2, and 3 drug copays are $20, $85, and $150 respectively.

Quartz Beloit One Silver 1302 -- $50 and $100 office visit copays with $100 Urgent Care copay. $5,000 deductible with maximum out-of-pocket expenses of $7,900 and 50% coinsurance. Tiers, 1, 2, and 3 drug copays are $20, $75, and $150 respectively.

Group Health Cooperative Select Silver Simple Choice 4550X Ded/7900 MOOP -- $40 and $80 office visit copays with $90 Urgent Care copay. $4,000 deductible with maximum out-of-pocket expenses of $7,900 and 20% coinsurance. $25, $65, and $200 copays for Tier 1, 2 and 3 drugs.

Group Health Cooperative Silver 4900 Ded/7900 MOOP -- $50 and $75 office visit copays with $30 Urgent Care copay. $4,900 deductible with maximum out-of-pocket expenses of $7,900 and 30% coinsurance. $40 and $80 copays for Tier 1 and 2 drugs.

Medica Silver Copay -- $45 and $90 office visit copays with $45 Urgent Care copay. $3,900 deductible with maximum out-of-pocket expenses of $8,550 and 40% coinsurance. Generic and preferred brand drug copays are $15 and $120.

Security Health Plan Select $6,950 -- 30% -- $6,950 deductible with $8,550 maximum out-of-pocket expenses and 30% coinsurance. The generic, preferred brand, and non-preferred brand drug copays are $25, $60, and $120.

Security Health Plan Select $4,800 -- 30% -- $4,800 deductible with $7,900 maximum out-of-pocket expenses and 30% coinsurance. $30 and $75 office visit copays with $75 Urgent Care copay. The generic, preferred brand, and non-preferred brand drug copays are $25, $60, and $120.

HealthPartners Robin Oak $5,000 Plus Silver -- $5,000 deductible with $8,150 maximum out-of-pocket expenses and 25% coinsurance. $30  office visit copays (first three visits) with $30 Urgent Care copay (also first three visits). The low cost and high cost formulary drug copays are $5 and $25 ($15 and $75 mail order).

Aspirus Arise HMO HDHP Silver 5500 -- HSA-eligible plan with $5,500 deductible and maximum out-of-pocket expenses of $5,500 and 0% coinsurance.

Aspirus Arise HMO Silver 7150 -- $7,150 deductible with $7,150 maximum out-of-pocket expenses and 0% coinsurance. $35 and $70 office visit copays with $35 Urgent Care copay. The Tier1, Tier 2, and Tier 3 drug copays are $20, $40, and $70 ($50, $100, and $175 mail order).

 

Gold Tier

Security Health Plan Select $3,500-30% -- $30 and $75 office visit copays with $75 Urgent Care copay. $3,500 deductible with maximum out-of-pocket expenses of $6,500 and 30% coinsurance. Generic, preferred brand, and non-preferred brand drug copays are $20, $50, and $100.

Aspirus Arise HMO Gold 2500 -- $35 and $70 office visit copays with $35 Urgent Care copay. $2,500 deductible with maximum out-of-pocket expenses of $5,000 and 20% coinsurance. Tier 1, Tier 2, and Tier 3 drug copays are $15, $30, and $45 ($37.50, $75, and $112.50 mail order). ER copay is $450.

Molina Confident Care Gold 1 -- $10 and $50 office visit copays with $10 Urgent Care copay. Deductible is $2,925 with $6,500 maximum out-of-pocket expenses and 20% coinsurance. Blood work receives a $15 copay. Generic and preferred brand drugs are subject to a $10 and $50 copay while Tier 3 and Tier 4 drugs are subject to 30% coinsurance.

Network Health Prestige Gold Essential -- $20 and $60 office visit copays with a $60 copay for Urgent Care. Deductible is $1,750 and maximum out-of-pocket expenses are $8,550 and 20% coinsurance. Generic and preferred brand drugs are subject to $15 and $60 copays while non-preferred brand drugs are subject to 50% coinsurance. Lab and x-ray procedure copays are $25 and $50.

Network Health Prestige Gold 50 -- Deductible is $1,000 and maximum out-of-pocket expenses are $4,300 and 50% coinsurance. Generic and preferred brand drugs are subject to $15 and $50 copays while non-preferred brand drugs are subject to 50% coinsurance.

Children's Community Health Plan Together Gold -- $30 and $60 office visit copays. $2,000 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance. Generic and preferred brand drug copays are $10 and $55, with other drugs subject to deductible and coinsurance.

Common Ground Healthcare Cooperative Gold 2000/80 -- $40 and $60 office visit copays with $75 Urgent Care copay. ER copay is $300. $2,000 deductible with maximum out-of-pocket expenses of $8,550 and 20% coinsurance. $10, $50, and $100 copays on Tier 1, 2, and 3 drugs. $15 insulin copay on preferred brand drugs.

Dean Gold Copay Plus 1500X -- $30 and $60 office visit copays with $30 Urgent Care copay. $1,500 deductible with maximum out-of-pocket expenses of $5,100 and 20% coinsurance. $15 and $50 copays for Tier 1 and Tier 2 drugs. Tier 3 and Tier 4 drugs subject to 50% coinsurance.

Dean Gold Value Copay 3700X -- $25 copay for first three pcp office visits. $3,700 deductible with maximum out-of-pocket expenses of $3,700 and 0% coinsurance. Preferred generic drug copay is $15.

Group Health Cooperative Select Gold 1500 Ded/8550 MOOP -- $10 and $120 office visit copays with $10 Urgent Care copay. $1,500 deductible with maximum out-of-pocket expenses of $8,550 and 30% coinsurance. $5, $80, and $150 copays for Tier 1, 2 and 3 drugs. Tier 4 drug copay is $450.

Group Health Cooperative Select Gold 2500 Ded/6500 MOOP -- $30 and $60 office visit copays with $30 Urgent Care copay. $2,500 deductible with maximum out-of-pocket expenses of $6,500 and 30% coinsurance. $20, $40, and $80 copays for Tier 1, 2 and 3 drugs.

Group Health Cooperative Select Gold 2500 Ded/2500 MOOP HSA -- $2,500 deductible with maximum out-of-pocket expenses of $2,500 and 0% coinsurance. Policy is HSA-eligible.

Quartz One Gold 1402 Maintenance -- $40 and $90 office visit copays with $500 ER copay. $1,500 deductible with maximum out-of-pocket expenses of $7,900. Tiers 1, 2, and 3, drug copays are $10, $75, and $150 respectively. Urgent Care copay is $90.

Quartz One Gold 1405 -- $30 and $60 office visit copays. $2,000 deductible with maximum out-of-pocket expenses of $6,500. Tiers 1, 2, and 3, drug copays are $35, $150, and $250 respectively. Urgent Care copay is $60.

Medica Gold Copay -- $25 and $75 office visit copays and also $25 copay for Urgent Care. $1,100 deductible with maximum out-of-pocket expenses of $8,550 and 30% coinsurance. $5 and $100 copays for generic and preferred brand drugs.

Total Health Care USA HMO Standard -- $30 and $60 office visit copays. $1,500 deductible with maximum out-of-pocket expenses of $7,000. Tiers 1, 2, and 3, drug copays are $25, $50, and $100 respectively. Urgent Care copay is $60. $100 copay for diagnostic tests.

Physicians Health Plan Sparrow PHP Gold 1000 HMO -- $30 and $50 office visit copays. $1,000 deductible with maximum out-of-pocket expenses of $8,000. Tiers 1, 2, and 3, drug copays are $5/$20, $60, and $80 respectively. Urgent Care copay is $75.

 

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 the Milwaukee area:

35 year-old non-smoking male

$47 -- Independence American -- $5,000 deductible with 20% coinsurance

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

$64 -- Independence American -- $2,500 deductible with 20% coinsurance

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

$94 -- UnitedHealthcare -- $2,500 deductible with 30% coinsurance.

$95 -- Independence American -- $1,000 deductible with 20% coinsurance.

$123 -- National General -- $5,000 deductible with 0% coinsurance.

 

45 year-old non-smoking married couple (2 persons)

 

$150 -- Independence American -- $5,000 deductible with 20% coinsurance

$166 -- UnitedHealthcare -- $10,000 deductible with 30% coinsurance.

$204 -- Independence American -- $2,500 deductible with 20% coinsurance

$245 -- UnitedHealthcare -- $5,000 deductible with 30% coinsurance.

$254 -- UnitedHealthcare -- $2,500 deductible with 30% coinsurance.

$304 -- Independence American -- $1,000 deductible with 20% coinsurance.

$319 -- National General -- $5,000 deductible with 0% coinsurance.

 

55 year-old non-smoking married couple (2 persons)

 

$269 -- UnitedHealthcare -- $10,000 deductible with 30% coinsurance.

$324 -- UnitedHealthcare -- $10,000 deductible with 20% coinsurance.

$331 -- UnitedHealthcare -- $5,000 deductible with 30% coinsurance.

$397 -- UnitedHealthcare -- $5,000 deductible with 20% coinsurance.

$412 -- UnitedHealthcare -- $2,500 deductible with 30% coinsurance.

$401 -- Companion Life -- $5,000 deductible with 20% coinsurance.

 

What Is WisCovered?

WisCovered was developed by OCI (Wisconsin Office of the Commisioner of Insurance) to help inform stste residents about their healthcare choices. One of the objectives is to help consumers locate an experienced and knowledgeable agent or broker that can assist with comparing and understanding plans. There is no cost to utilize the service.

The Healthcare Coverage Advisory Council's Marketing Workgroup created the concept of WisCovered. Several of the Organization's participants include ABC for Health, Dean Health Plan, Covering Wisconsin, HealthWatch Wisconsin, Milwaukee Enrollment Network, Milwaukee Health Care, Quartz, Common Ground Healthcare Cooperative, and Wisconsin Department of Health Services.

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 Traditional Medicare Supplement Plans In Wisconsin

Aetna

American Continental

American National Life

American Retirement Life

Americo

Blue Cross Blue Shield of Wisconsin

Catholic United Financial

Cigna

Colonial Penn

Combined Insurance

GCU

Gerber Life

Globe Life

Government Personnel Mutual

Humana

Individual Assurance

Liberty Bankers Life

Manhattan Life

Medico

Mutual Of Omaha

Order Of United Commercial Travelers

Pekin Life

Physicians Life

Polish Falcons Of America

Puritan Life

Quartz (Gunderson Life)

Renaissance Life

Reserve National

Security Health Plan Of Wisconsin

State Farm

Thrivent

Unified Life

United American

United World Life

Western Catholic Union

Wisconsin Physicians Service

 

Wisconsin Medicare Supplement Rates (Largest Counties)

 

Monthly rates for a 65 year-old female residing in Dane County

 

Plan A

$88 -- Accendo
$89 -- BCBS Of Wisconsin
$91 -- Manhattan Life
$93 -- Humana
$94 -- Capitol Life
$98 -- Philadelphia American
$99 -- Union Security
$100 -- Lumico Life
$104 -- Aetna
$106 -- Americo
$106 -- Guarantee Trust Life
$108 -- National Health
$111 -- United World Health
$114 -- AARP-UnitedHealthcare
$123 -- Cigna
$144 -- Medico

 

Plan B

$104 -- Accendo
$106 -- Manhattan Life
$107 -- Humana
$110 -- Capitol Life
$113 -- BCBS Of Wisconsin
$115 -- Philadelphia American
$116 -- Union Security
$118 -- Lumico Life
$121 -- Aetna
$115 -- Guarantee Trust Life
$125 -- Americo
$127 -- National Health
$130 -- United World Life
$137 -- Cigna
$165 -- Medico

 

Plan C

$114 -- Accendo
$124 -- BCBS Of Wisconsin
$125 -- Guarantee Trust Life
$128 -- Union Security
$132 -- Lumico Life
$132 -- Aetna
$132 -- United World Life
$134 -- Manhattan Life
$143 -- Americo
$145 -- Humana
$147 -- Cigna
$165 -- Medico

 

Plan D

$100 -- Accendo
$112 -- Guarantee Trust Life
$112 -- BCBS Of Wisconsin
$113 -- Union Security
$116 -- Lumico Life
$116 -- Aetna
$118 -- United World Life
$121 -- Manhattan Life
$128 -- Americo
$129 -- Humana
$132 -- Cigna
$152 -- Medico

 

Plan F

$114 -- Accendo
$126 -- Guarantee Trust Life
$129 -- Union Security
$129 -- BCBS Of Wisconsin
$133 -- United World Life
$133 -- Lumico Life
$134 -- AARP-UnitedHealthcare
$135 -- Manhattan Life
$137 -- Aetna
$144 -- Americo
$146 -- Humana
$148 -- Cigna
$166 -- Medico

 

Plan G (HD)

$44 -- United World Life

 

Monthly rates for a 65 year-old female residing in Milwaukee County

 

Plan A

$99 -- Accendo
$110 -- BCBS Of Wisconsin
$110 -- Capitol Life
$110 -- Humana
$111 -- Guarantee Trust Life
$112 -- Lumico Life
$112 -- Union Security
$122 -- Americo
$123 -- Aetna
$131 -- United World Life
$138 -- United American
$141 -- AARP-UnitedHealthcare
$152 -- Medico

 

Plan B

$117 -- Accendo
$121 -- Manhattan Life
$127 -- Humana
$128 -- Guarantee Trust Life
$128 -- Capitol Life
$131 -- Union Security
$131 -- Lumico Life
$138 -- BCBS Of Wisconsin
$143 -- Aetna
$145 -- Americo
$154 -- United World Life
$175 -- Medico

 

Plan C

$135 -- Medico
$137 -- Manhattan Life
$138 -- Accendo
$144 -- Philadelphia American
$145 -- National Health
$147 -- Humana
$152 -- Capitol Life
$154 -- Lumico Life
$155 -- Union Security
$159 -- Aetna
$172 -- Americo
$184 -- United American
$188 -- United World Life
$189 -- Cigna
$207 -- Medico

 

Wisconsin Part D Prescription Drug Plans Monthly Rates And Benefits

AARP MedicareRx Walgreens -- $25.20 with $310 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $10 (Tier 2), $40 (Tier 3), 40% (Tier 4), and 27% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $30 (Tier 2), $120 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3,150 available formulary drugs. 4.0 Plan Summary Star Rating.

AARP MedicareRx Saver Plus -- $41.40 with $480 deductible. 30-Day Preferred Pharmacy Supply copays are $1 (Tier 1), $7 (Tier 2), $35 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $3 (Tier 1), $21 (Tier 2), $105 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3,153 available formulary drugs. 4.0 Plan Summary Star Rating.

AARP MedicareRx Preferred -- $100.80 with $0 deductible. 30-Day Preferred Pharmacy Supply copays are $5 (Tier 1), $10 (Tier 2), $45 (Tier 3), 40% (Tier 4), and 33% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $15 (Tier 1), $35 (Tier 2), $135 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3,562 available formulary drugs. 3.5 Plan Summary Star Rating.

Cigna Secure-Essential Rx -- $24.00 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $2 (Tier 2), 18% (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $6 (Tier 2), 18% (Tier 3), 46% (Tier 4), and N/A (Tier 5). 3,109 available formulary drugs. 3.5 Plan Summary Star Rating.

Cigna Secure Rx -- $32.10 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $1 (Tier 1), $2 (Tier 2), $30 (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $3 (Tier 1), $6 (Tier 2), $90 (Tier 3), 50% (Tier 4), and N/A (Tier 5). 3,146 available formulary drugs. 3.5 Plan Summary Star Rating.

Cigna-HealthSpring Rx Secure-Extra -- $54.60 with $100 deductible. 30-Day Preferred Pharmacy Supply copays are $4 (Tier 1), $10 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 31% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4), and N/A (Tier 5). 3,235 available formulary drugs. 3.5 Plan Summary Star Rating.

Express-Scripts Medicare Saver -- $27.50 with $285 deductible. 30-Day Preferred Pharmacy Supply copays are $2 (Tier 1), $7 (Tier 2), $35 (Tier 3), 50% (Tier 4), and 28% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $6 (Tier 1), $21 (Tier 2), $105 (Tier 3), 50% (Tier 4), and N/A (Tier 5). 2,918 available formulary drugs.

Express-Scripts Medicare Value -- $31.60 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $1 (Tier 1), $3 (Tier 2), $30 (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $3 (Tier 1), $9 (Tier 2), $90 (Tier 3), 50% (Tier 4), and N/A (Tier 5). 3,001 available formulary drugs.

Express-Scripts Medicare Choice -- $80.80 with $100 deductible. 30-Day Preferred Pharmacy Supply copays are $2 (Tier 1), $7 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 31% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $6 (Tier 1), $21 (Tier 2), $126 (Tier 3), 50% (Tier 4), and N/A (Tier 5). 3,187 available formulary drugs.

Humana WalMart Value Rx Plan -- $17.20 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $1 (Tier 1), $4 (Tier 2), 19% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $3 (Tier 1), $12 (Tier 2), 19% (Tier 3), 35% (Tier 4), and N/A (Tier 5). 3,160 available formulary drugs.

Humana Premier Rx Plan -- $63.30 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $1 (Tier 1), $4 (Tier 2), $45 (Tier 3), 49% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $3 (Tier 1), $12 (Tier 2), $135 (Tier 3), 49% (Tier 4), and N/A (Tier 5). 3,233 available formulary drugs.

Humana Basic Rx Plan -- $37.90 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $1 (Tier 2), 20% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $3 (Tier 2), 2o% (Tier 3), 35% (Tier 4), and N/A (Tier 5). 3,057 available formulary drugs.

Mutual Of Omaha Rx Premier -- $24.00 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $2 (Tier 2), 23% (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $6 (Tier 2), 23% (Tier 3), N/A (Tier 4), and N/A (Tier 5). 2,917 available formulary drugs.

Mutual Of Omaha Rx Plus -- $86.60 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $2 (Tier 2), 20% (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $6 (Tier 2), 20% (Tier 3), N/A (Tier 4), and N/A (Tier 5). 2,874 available formulary drugs.

SilverScript Choice -- $36.00 with $205 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $5 (Tier 2), $35 (Tier 3), 42% (Tier 4), and 29% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $15 (Tier 2), $105 (Tier 3), 42% (Tier 4), and N/A (Tier 5). 3,014 available formulary drugs.

SilverScript Plus -- $52.20 with $0 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $2 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $0 (Tier 2), $120 (Tier 3), 50% (Tier 4), and N/A (Tier 5). 3,060 available formulary drugs.

SilverScript SmartRx -- $7.30 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $19 (Tier 2), $46 (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $57 (Tier 2), $138 (Tier 3), 46% (Tier 4), and N/A (Tier 5). 3,564 available formulary drugs.

WellCare Value Script -- $14.80 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $8 (Tier 2), $43 (Tier 3), 47% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $24 (Tier 2), $129 (Tier 3), 47% (Tier 4), and N/A (Tier 5). 3,475 available formulary drugs.

WellCare Classic -- $33.90 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $1 (Tier 2), $30 (Tier 3), 33% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $6 (Tier 2), $90 (Tier 3), 33% (Tier 4), and N/A (Tier 5). 3,105 available formulary drugs.

WellCare Wellness Rx -- $14.60 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $7 (Tier 2), $43 (Tier 3), 47% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $21 (Tier 2), $129 (Tier 3), 47% (Tier 4), and N/A (Tier 5). 3,475 available formulary drugs.

WellCare Medicare Rx Select -- $26.80 with $300 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $3 (Tier 2), $47 (Tier 3), 42% (Tier 4), and 27% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $9 (Tier 2), $141 (Tier 3), 42% (Tier 4), and N/A (Tier 5). 3,475 available formulary drugs.

WellCare Medicare Rx Value Plus -- $76.10 with $0 deductible. 30-Day Preferred Pharmacy Supply copays are $1 (Tier 1), $4 (Tier 2), $47 (Tier 3), 45% (Tier 4), and 33% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $3 (Tier 1), $12 (Tier 2), $141 (Tier 3), 45% (Tier 4), and N/A (Tier 5). 3,485 available formulary drugs.

WellCare Medicare Rx Saver -- $39.50 with $445 deductible. 30-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $2 (Tier 2), $35 (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-Day Preferred Pharmacy Supply copays are $0 (Tier 1), $6 (Tier 2), $105 (Tier 3), 37% (Tier 4), and N/A (Tier 5). 3,105 available formulary drugs.

 

Medicare Advantage Plans Without Drug Prescription Benefits

AARP Medicare Advantage Essential

Allwell Medicare Essentials

Anthem MediBlue Access Core

DeanCare Gold Shared Value

DeanCare Gold Basic

DeanCare Gold Enhanced

Essence

HumanaChoice

Network PlatinumPlus

Network PlatinumPremier

NetworkPrime (MSA)

Secure Saver (MSA)

Spirit

UnitedHealthcare Medicare Advantage Open Essential

UW Health Senior Preferred Elite (no Rx)

 

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

AARP Medicare Advantage Value

AARP Medicare Advantage Walgreens

Aetna Medicare Value

Allwell Dual Medicare

Anthem MediBlue Plus

Essence

Essence Rx

Esteem Rx

HealthPartners Robin Birch

HealthPartners Robin Maple

Humana Gold Plus

Humana Value Plus

iCare Medicare Plan

Molina Medicare Complete Care

Network PlatinumSelect

Network PlatinumChoice

Prevea360 Medicare Advantage Essential

Spirit Rx

Surety Rx

UnitedHealthcare Dual Complaete LP

UnitedHealthcare Dual Complete LP1

UnitedHealthcare Medicare Advantage Assist