Health Plan One can help you find affordable coverage
options available for Wisconsin group health insurance. There are 17 providers
of small business/group health insurance in the state. Enter your zip code
above and select “Small Business Group” to find a quote in your area.
There are two requirements you must meet for your small
business to qualify for small group coverage in Wisconsin: They must have
between 2 and 50 employees and they must be full time, meaning working 30 hours
a week. The number of employees only counts those who are eligible for
coverage. Part time workers are not eligible.
There are three main managed care programs under group
coverage in Wisconsin: Health Managed Organization (HMO), Preferred Provider
Organization (PPO), and Point of Service (POS).
HMO plans will not allow you to receive treatment outside of
the network you chose. The plan, however, uses the copayment system, meaning
you pay a small price every time you receive medical treatment. Prices will
depend on what type of service you are using.
A PPO allows you to receive medical care outside your
network all while paying a similar rate as an HMO. Although you will not
receive full benefits outside your network, you will be covered in case of an
emergency. Again, the cost of a PPO is the same as an HMO with the exception of
paying a deductible. You can keep your premium rate low by increasing your
The POS for the state of Wisconsin allows you to see any
doctor in or out of your network. If you get a referral, you’ll receive 100%
benefits no matter what network you receive treatment. If you don’t, you still
will receive treatment similar to a PPO. Again, to have a lower premium you
could choose to pick a higher deductible. Also, by living a healthy lifestyle
you could lower rates as well.
Wisconsin’s continuous coverage plan gives benefits to
those groups with 20 or more employees. Regulate by COBRA, the plan provides an
18 month extension to those who were previously under a group health plan. For
those groups with less than 20 individuals, you may also be provided with an
additional 18 months.
To learn more about group health plans in the state of Wisconsin call 877-567-5267