Health Insurance

In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. Wisconsin health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for Wisconsin health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.

In this information-filled article, you will find everything you need to know concerning the regulations of Wisconsin health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.

You will also find interesting statistical information with which you can compare the health of fellow Wisconsinns with the health of residents of other states.

This article will provide you with all the information needed about Wisconsin health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!

Wisconsin Individual and Family Health Insurance
Wisconsin health insurance companies which offer individual or family health insurance policies are permitted to deny coverage to any person who has a pre-existing medical condition. If you have a pre-existing condition and are accepted for coverage, you can expect the premiums to be substantially higher than the ones for healthy individuals. Wisconsin health insurance companies may offer you a policy which contains a rider. This rider basically states that the insurance company is not obligated to pay any medical expenses you incur related to the pre-existing condition. Insurance companies are also allowed to impose waiting periods on pre-existing conditions, some for as long 24 months. They are not obligated to provide credit from prior health insurance coverage to this waiting period. They are also permitted to go back 5 years in your medical history to determine a pre-existing condition. Wisconsin health insurance companies are allowed to offer varying degrees health plans, which include premiums, covered services, deductibles, and co-payment amounts.

Wisconsin Group Health Insurance
To qualify for Wisconsin health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Wisconsin health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Wisconsin health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Wisconsin health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Wisconsin COBRA Insurance
Wisconsin health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Wisconsin health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Wisconsin health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Wisconsin health insurance can be obtained through the Wisconsin Comprehensive Health Insurance Association (ACHIA).

Wisconsin Health Information and Statistics
If you are in the market for quality Wisconsin health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Wisconsin ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Wisconsin are a low rate of infectious disease, a high rate of high school graduation, and a low rate of uninsured population. Wisconsin also faces many challenges, such as low per capita public health funding, high geographic disparity within the state, and a high prevalence of binge drinking.

According to a 2008 study, Wisconsin had some significant changes over the past year, including levels of air pollution increasing by 7% and the prevalence of smoking decreasing by 6%. In the past five years, the percentage of children living in poverty conditions increased by 31%. Since 1990, the prevalence of obesity has risen by 124%.

Following is a variety of statistical data related to living in Wisconsin, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Wisconsin health insurance.

  • Prevalence of Smoking-24th
  • Prevalence of Obesity-18th
  • Violent Crime-17th
  • Children in Poverty-25th
  • Air Pollution-31st
  • Cancer Deaths-23rd
  • Lack of Health Insurance-3rd
  • Prevalence of Binge Drinking-49th
  • Infant Mortality-24th
  • Infectious Disease-7th
  • Premature Death-18th

Overall Rank: 17
Change: -5