About Health Insurance in Wisconsin
In Wisconsin, there are a few major health insurance companies to choose from, and East Coast Health Insurance gives you quotes from the very best. These companies are Anthem Blue Cross Blue Shield of Wisconsin, UnitedHealth One, Humana, and a non-profit Wisconsin health insurance company called WPS Health Insurance.
- Total Population: 5,584,700
- Total Uninsured Population: 511,500 (16%)
- Health Expenses Per Capita: $1,953
- Average State Premium for Individual Health Insurance: $201
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Wisconsin
Within these few, yet strong companies, there is still a wide variety of selection to be made. East Coast Health Insurance makes it easy for you to get a quote, either through the site or by one of our experts finding the best rates for you over the phone.
Wisconsin Health Insurance Market & Laws
Health insurance regulations in Wisconsin are in place for the benefit of both the insurer and the insured. Like most states, the guaranteed renewability provision allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.
Pre-existing conditions are defined in Wisconsin as a condition you received treatment for or were diagnosed before enrolling in health insurance. Exclusion periods, or time when the insurance company will not pay any expenses related to that condition, is decided by the insurer and can last several years.
It is also legal for insurers to attach an elimination rider to your plan for a pre-existing condition to permanently deny you coverage for that condition.
Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for a minimum of 60 days after birth or adoption.
Insurance companies in Wisconsin are permitted by law to deny you health insurance or increase your premiums based on your age and health.
For individuals who live in Wisconsin, health insurance is required to cover the following medical expenses by law:
- Maternity care
- Immunizations for children
- Treatment for diabetes
- Breast and cervical cancer screenings
- Mental health care for the same cost as other medical conditions
More information on laws regarding Wisconsin health insurance is available through the Wisconsin Office of the Commissioner of Insurance site.
1. Kaiser Family Foundation, “Wisconsin – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Wisconsin Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-West Wisconsin.html