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There are many types of health insurance policies and can sometimes become overwhelming to know which one is right for you and your family. Let one of Mission Essential Insurance brokers help you find a health insurance policy that best fits your needs. We offer free quotes from the most reputable and highly rated companies.
Marketplace plans, commonly referred to as “Obamacare” plans, are great options for individuals and families needing coverage for pre-existing conditions in Wisconsin. You may also qualify for a tax subsidy or “discount” based on your household income.
Designed for healthier individuals and families, these plans provide nationwide coverage at affordable rates. Self-employed individuals and families are typically a great fit for these plans because premiums are not based on income.
After you get your primary health insurance plan set up the next step is to check out Ancillary products such as an: Accident policy, sickness hospitalization policy, critical illness policy, cancer policy, etc. These are the perfect pair to significantly reduce your financial responsibility when utilizing your primary health insurance.
Accident insurance serves as a vital safety net in life’s unpredictable moments. It provides financial protection and peace of mind when unexpected accidents occur. With accident insurance, you receive cash benefits that can help cover various expenses, such as medical bills, rehabilitation costs, and everyday living expenses while you recover. Whether it’s a slip and fall, a sports injury, or a car accident, accident insurance steps in to ease the financial burden, allowing you to focus on your recovery without worrying about the costs. By having accident insurance, you’re prepared for the unexpected, ensuring that you and your loved ones are financially protected when life takes an unexpected turn.
Sickness Hospitalization insurance provides essential aid during illness, offering financial assistance from the first covered day of hospital admission. With this coverage, you receive cash benefits to alleviate the financial strain associated with hospitalization due to sickness. Whether it’s for sudden illness, ongoing treatment, or a chronic condition, these benefits cover medical expenses like hospital bills and specialist consultations, as well as non-medical costs such as transportation and household bills. This support ensures you can focus on your recovery without worrying about financial burdens, providing peace of mind during challenging times.
Cancer and Heart/Stroke insurance delivers crucial support during challenging health crises, offering financial security when facing a first-ever diagnosis of cancer, heart attack, or stroke. With this coverage, you receive cash benefits to alleviate the financial burdens associated with treatment, recovery, and daily living expenses. In the event of a covered cancer diagnosis, these benefits help offset medical costs like deductibles and copayments, as well as non-medical expenses such as transportation and household bills. Similarly, for covered heart attacks or strokes, the cash benefits assist with medical bills, cardiac rehabilitation, and lifestyle adjustments, providing peace of mind and allowing you to focus on your well-being and recovery journey.
You can get health insurance in Wisconsin during open enrollment or by qualifying for a special enrollment with the marketplace.
Health insurance open enrollment in Wisconsin typically starts on November 1st and ends on December 15th each year. During this time, you can enroll in a new health insurance plan or make changes to your existing plan. It’s important to mark your calendar and take action during this period to ensure you have coverage for the upcoming year.
Important Dates:
Qualifying life events typically permit a Special Enrollment Period with the health insurance marketplace. These events may include:
These are some common examples, but specific eligibility criteria may vary. It’s essential to review the marketplace’s guidelines or consult with a qualified healthcare representative to determine eligibility for a Special Enrollment Period.
The best health insurance for you depends on your needs, budget, and personal circumstances. To find the right plan, consider factors like your health status, medical needs, preferred doctors and hospitals, and financial situation. It’s also essential to understand the types of plans available, such as HMOs, PPOs, and high-deductible plans, and compare their coverage, costs, and benefits. Working with an insurance advisor can help you navigate your options and find a plan that meets your requirements.
Outpatient care (doctor visits without hospital admission)
Emergency services
Hospitalization (including surgeries and overnight stays)
Pregnancy, maternity, and newborn care
Mental health and substance use disorder services (including counseling)
Prescription drugs
Rehabilitative and habilitative services (to help with recovery)
Laboratory services
Preventive and wellness services (like screenings)
Pediatric services (including dental and vision care for children)
Health insurance in Wisconsin is worth it when it helps cover the costs of medical care that you might not be able to afford on your own. It provides financial protection in case of unexpected accidents or illnesses, giving you access to necessary treatments without worrying about the high costs. Additionally, having health insurance can give you peace of mind knowing that you’re covered if you need medical care.
You should get health insurance in Wisconsin as soon as possible to protect yourself from unexpected medical expenses. It’s especially important to have coverage before you need medical care, as insurance typically doesn’t cover pre-existing conditions right away. So, the sooner you enroll in a health insurance plan, the better prepared you’ll be for any healthcare needs that may arise.
Private health insurance in Wisconsin is worth considering if you want more control over your coverage options and healthcare providers. It can be especially beneficial if you’re not eligible for government-subsidized plans or if you prefer a wider range of benefits and services. Additionally, private health insurance may offer more flexibility in choosing doctors and hospitals, as well as additional coverage options like dental and vision care. Ultimately, it’s worth it if you value choice and customization in your healthcare coverage.
Health insurance in Wisconsin can be free if you qualify for a large premium tax credit based on your income & household size. There are government programs like Medicaid and the Children’s Health Insurance Program (CHIP) that provide free or low-cost health coverage to eligible individuals and families with low incomes. You can check if you qualify for these programs through your state’s Medicaid office.
We provide health coverage in Wisconsin for individuals and families, accident insurance, dental and vision plans for individuals and groups, life insurance, and disability plans.
We simply get paid from whatever insurance company you choose. There is no cost to you associated with using an insurance agent or broker in Wisconsin.
The best plan for you simply depends on your budget, medical needs, prescription needs, and doctors/hospitals you would like to use. Typically bronze plans have higher out of pocket expenses, while gold or platinum plans have less out of pocket expenses. If you can qualify for a premium tax credit then you would be able to get a higher level plan for a much cheaper cost.
We only work with the most reputable and highly rated companies to provide the best protection and service to our clients.
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