Group Health Insurance Wisconsin

Often, the best health insurance plans are available through our employers, especially larger companies. Group health insurance is a single policy that covers an individual and his dependents through an employer or association. Small group health insurance Wisconsin plans cover 2-50 people.

In all states, insurance carriers are required to offer health insurance to individuals and groups regardless of health or claims history. The benefits of group health insurance also include an in-house contact for insurance questions and relatively affordable premiums. If you are part of a group health plan in Wisconsin or are considering one, following are some points to keep in mind.

Points to Note With Group Health Insurance in Wisconsin

Federal and Wisconsin law give you ‘credit' for your time on a health insurance plan should you decide to switch jobs and thus start a new health plan. You can apply your time in the current plan to the new plan—an allowance that is useful when a plan requires a waiting period to join if you have a pre-existing condition. The amount of time that can be credited is the duration of your enrollment in the current plan, as long as you did not leave the plan for longer than 62 days.

In Wisconsin , group health insurance may not cover a pre-existing condition (one diagnosed or treated in the last six months) for a period of time following your enrollment, with the exception of pregnancy. The maximum wait time in Wisconsin is 12 months, with a look-back period of 6 months.

By law, if you are leaving a job and won't start a new one for up to 18 months, you have the right to continue that group health insurance plan in Wisconsin until your new job starts. You will be responsible for both your premium and what you employer would normally pay.

Finally, under a group health plan, Wisconsin is one of 39 states that provides broader coverage for reconstructive surgery following a mastectomy than is required by federal law.

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