With the recent changes in health insurance, short-term health insurance in Wisconsin is a popular option for those people who did not initially sign-up for insurance under Obamacare during last years open enrollment. Unlike a long-term plan, individuals and families in Wisconsin can enroll in short-term health insurance at anytime. If you are in this situation, we recommend purchasing a short term plan that will cover you until January 1st, 2015.
Another nice feature of these plans is the cost. Although you will not be subsidy eligible on these plans, you may be surprised by the low premiums.
To receive a no cost/no obligation short term health insurance quote in Wisconsin, click here. You can also enroll completely online in about 5-10 minutes.
Since the federally run marketplace launched on October 1st, many Wisconsin residents have experienced difficulties logging in to the site, receiving quotes and ultimately enrolling in a plan for 2014.
Fortunately, enrollee’s have until December 15th to select a plan for 2014. We are working with the insurance carriers that we represent to get answers to peoples questions, and assist people with enrolling in both on and off marketplace plans. Many carriers that provide individual health insurance in Wisconsin elected not to participate in the marketplace (also know as the health insurance exchange) and they have not even released rates for 2014 yet.
If you are looking for a health insurance quote in Wisconsin, we would be happy to help you out. We can help you with questions related on on marketplace plans which are eligible for subsidies and off marketplace plans which may be cheaper for individuals and families that will not be eligible for a health insurance subsidy.
If you have questions, please contact us today.
Four of the largest health insurers in Wisconsin, state that the private health insurance exchanges set to be rolled out this fall under the Affordable Care Act, or more commonly known as Obamacare are potentially filled with uncertainty.
During a panel discussion earlier this month, they also stated that problems should work themselves out over the months and years after the Wisconsin health insurance exchange is rolled out. Continue reading
Under a proposal in the Wisconsin legislature, state workers would have to pay $50 per month more for health insurance. On May 21st, the Joint Finance Committee voted 13-3 to approve the bill.
Currently 12 other states have similar fees. Over the past few years, many private employer plans have imposed similar cost increases on their health plans for smokers. All individual health insurance plans in Wisconsin Continue reading
The Patient Protection and Affordable Care Act (Obamacare or PPACA), gave states three options to implement a health insurance exchange: an exchange built by the state of Wisconsin subject to the federal guidelines/mandate, a partnership plan requiring Wisconsin to perform some functions on behalf of the federal government, or a federal managed health insurance exchange developed and managed by the federal government. Although the three options are significantly different, they are all still mandated and governed under the PPACA. Continue reading
Experts are looking to smaller organizations in effort to slow rising health care costs and their impact on health insurance premiums. One of these organizations is Bellin Health, a health care system based in Green Bay, WI. Bellin has been recognized for improving the quality of care for Wisconsin residents while keeping their costs from rising. This has been mostly done by making primary care doctors and nurses more accessible to their patients. Continue reading
Wisconsin’s Medicare enrollment is earlier than normal this year, running from October 15th through December 7th. The Insurance Commissioner reminded Wisconsin seniors to review their Medicare Advantage and prescription drug plans’ coverage for 2013 as it may not be the same in 2013. The plans can change premiums, deductibles, included physicians, hospitals, etc.
Wisconsin residents with Medicare are not required to change plans. A few things that should be taken into consideration when making a decision to stay with the current plan or change are:
- What providers are covered under the plan?
- What drugs are covered under the plan?
- Are additional benefits included and are their costs to the additional benefits?
- How often can the plan raise the premiums?
- Are there certain benefits excluded from the plan?
As a rule, the plans that provide more liberty in choosing a provider, will have higher premiums or more out-of-pocket expenses, but still may be the Medicare health care plan that best suites your needs.
If you have questions about your Medicare plan, please contact us today.
On average of two out of three people in Wisconsin nursing homes that depend on Medicaid to pay for their healthcare. This represents about 14% of the $7 billion that the federal government and Wisconsin will pay towards healthcare programs this year. Medicaid has been shadowed by the topic of Medicare in the presidential campaign, though Medicaid provides healthcare for more people; approximately 1 million in Wisconsin and over 60 million throughout the US. This healthcare coverage costs the US about $400 billion each year.
This topic is one of the largest differences between President Barack Obama and Mitt Romney. President Obama would like to expand the program under the Affordable Care Act, growing the federal program by close to 15 million people. Romney proposes to convert federal support of Medicaid to a block grant as well as capping any future increases in federal funding to the rate of inflation plus 1% and population growth.
Either way, Wisconsin residents on Medicaid programs such as Badger Care and Family Care will be affected by this year’s presidential election.
The SmartSense health insurance plans offered by Anthem Blue Cross Blue Shield offer some great options for Wisconsin residents. The plan has individual and family plan options, along with pricing for network and non-network coinsurance options.
These health plans also have deductible options and out of pocket maximums for each calendar year. For family deductibles, each family member has their own individual deductible and out of pocket maximum. Continue reading
An estimated $16.8 million rebates will be given to Wisconsin businesses and consumers this year from health insurers. This is due to these health insurers spending more on administrative expenses and made more profits than allowed under the health care overhaul from 2010. It is expected that approximately 365,395 rebates will be given to Wisconsin residents.
Some believe this shows that insurance companies who put their premium dollars Continue reading