Health insurance rates in Wisconsin have during this last years increased dramatically, but you can still find affordable health insurance from Wisconsin, if you know where to look.
Health insurance options
You have several options when it comes to health insurance in Wisconsin. You are:
Government-funded insurance
State of Wisconsin has its own program, known as BadgerCare, provides health insurance for uninsured families. To qualify for this program must:
1. You have children under 19 years with you life.
2. Have an income that is below a certain threshold.
3. Have no health insurance.
To find out if you eligible Badger care, visit Wisconsin state access site - access.Wisconsin. gov
Private insurance
There are two basic types of health insurance in Wisconsin - compensation and managed health car plans.
Compensation plans, also known as fee-for service plans, choose your own doctor and the hospital. You must pay a deductible before your insurance is a requirement - usually $500 and then your insurer pays $1,500 - 80% of the cost you pay to pay the remaining 20%. Compensation plans are the most expensive all health insurance plans.
There are three basic types of managed health plans a drive:
Assign a network of hospitals and physicians who are responsible for your care, HMOs (health maintenance organizations). You pay a monthly premium and a small charge for each doctor visit, usually $5 to $10. You need a primary care physician who oversees your care, you see only network doctors and need a referral from your primary care physician to see a specialist. HMOs are the cheapest of all health insurance plans.
PPOs (preferred provider organizations) have a network of hospitals and doctors, but can doctors charge outside the network, and you can see specialists to your network without permission from your primary care physician. You pay a small charge for each doctor visit, usually $5 to $10. PPOs costs a little more than HMOs.
Assign POSs (point of service plans), a network of hospitals and doctors, but you can see doctor or specialist outside of the network if your primary care physician refers you. More preventive care and health maintenance services as HMOs or PPOs and cost slightly more than either offer these plans POSs.
Affordable Wisconsin health insurance quotes
An affordable Wisconsin health insurance quote always goes to compare quotes from different insurance companies. The easiest and fastest way is to do an insurance comparison website to visit (see link below).
Visit http://www.LowerRateQuotes.com/health-insurance.html or click the following link to get affordable Wisconsin health insurance quotes from top-rated companies and see how much you can save. You can further insurance tips in your articles section and get expert answers to your questions insurance by their online chat service.
The author, Brian Stevens, is a former insurance agent and financial advisor affordable Wisconsin health insurance quotes has written a series of articles like you.
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