Brian Stevens: Hi, my name is Brian Stevens, I am a former Insurance Agent and Financial Consultant and I am going to show you how to get affordable Wisconsin Health Insurance from a top rated company.
You have a number of options when it comes to health insurance in Wisconsin, State Funded Insurance and Private health insurance. The state of Wisconsin has its own program, known as BadgerCare, that provides health insurance for uninsured families. To qualify for this program, you must have children under the age of 19 who live with you, have an income that's under a certain limit, have no health insurance.
To Find out if you're eligible for BadgerCare, visit Wisconsin's state Access website at access.wisconsin.gov. There are two basic types of health insurance in Wisconsin, Indemnity plans and managed health care plans.
Indemnity plans, also known as fee-for-service plans, let you choose your own doctor and hospital. You must pay a deductible before your insurance company will pay a claim - usually $500 to $1,500, then your insurer will pay 80% of the cost and you'll pay the remaining 20%. Indemnity plans are the most expensive of all the health insurance plans.
Managed health care plans, there are three basic types of managed health car plans. Health Maintenance Organizations or HMOs assign you to a network of hospitals and doctors who are responsible for your care. You pay a monthly premium and a small co-payment for each doctor visit, usually $5 to $10. You must choose a primary care physician who oversees your care, you can only see network doctors, and you must get a referral from your primary care physician to see a specialist. HMOs are the cheapest of all the health insurance plans.
Preferred Provider Organizations or PPOs assign you to a network of hospitals and doctors, but you may see a non-network doctors for an added fee, and you may see specialists with your network without getting permission from your primary care physician. You pay a small co-payment for each doctor visit, usually $5 to $10. PPOs cost slightly more than HMOs.
And finally, Point of Service Plans or POSs assign you to a network of hospitals and doctors, but you may see a non-network doctor or specialist if your primary care physician refers you. POSs offer more preventive care and health maintenance services than HMOs or PPOs, and cost slightly more than either of these plans.
The best way to get affordable Wisconsin Health Insurance is to comparison shop and easiest way to do that is to get quotes from an insurance comparison website. It's quick, it's easy and it's free.
Visit lowerratequotes.com to get health insurance quotes from top rated companies and see how much you can save. You can get more insurance tips in their article section and get answers to your questions plus get advice on how to lower your premium from an insurance expert by using their online chat service. To visit this site, just enter lowerratequotes.com in your internet browser.
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