By: Health Insurance
Submitted: 2009-10-29 15:37:05 | Word Count: 492
The health insurance rates in Wisconsin have increased dramatically during recent years, but you can still find affordable health insurance in Wisconsin if you know where to look.
Health Insurance Options
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You have a number of options when it comes to health insurance in Wisconsin. They are:
Funded by the state Insurance
The state of Wisconsin has its own program, known as BadgerCare, which provides health insurance for uninsured families. To qualify for this program you must:
1. Have children under 19 living with you.
2. Have an income that is below a certain limit.
3. They have no health insurance.
To find out if you are eligible for Badger Care, visit the Wisconsin State access - access.wisconsin.gov.
Private Insurance
There are two basic types of health insurance in Wisconsin - indemnity plans and managed health plans hire.
Indemnity plans, also known as payment for service plans, you can 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 insurance company will pay 80% of the cost and you will pay the remaining 20%. Indemnity plans are the most expensive of all health insurance plans.
There are three basic types of managed health plans hire:
* HMO (Health Maintenance Organizations) to allocate a network of hospitals and physicians who are responsible for your care. You pay a monthly premium and 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 doctors in the network, and you should get a referral from your GP to see a specialist. HMOs are the cheapest of all health insurance plans.
* PPO (Preferred Provider Organizations) to allocate a network of hospitals and doctors, but you can see non-network physicians for an additional charge, and you can see the network specialists without getting permission from your doctor primary care. You pay a small co-payment for each doctor visit, usually $ 5 to $ 10. OPP cost a little more of the HMO.
* POS (Point of Service plans) to allocate a network of hospitals and doctors, but you can see a non-network doctor or a specialist if the primary care doctor refers you. TPV offers preventive care and maintenance of the health of HMO or PPO, and cost a bit more than either of these plans.
