Health insurance can be confusing, complicated and difficult to understand. Finding and getting affordable health insurance isn't easy. If you have low income, help may be available to you through state and public programs if you cannot afford private health insurance.
topics: affordable health insurance in Wisconsin: Wisconsin Health Insurance Plans: Affordable Health Insurance, Low Cost Health Insurance through state insurance programs; COBRA; Unemployed, Uninsured
source:Wisconsin Department of Health Services languages: English, Spanish from the web page: "...As of 12:00 P.M. (noon) on October 9, 2009, the BadgerCare Plus Core Plan enrollment process was suspended. We will no longer be enrolling new members in the Core Plan as of this date and time, because the total number of applications we have received is greater than the number of slots available. ..."
also from Wisconsin Department of Health Services: web page: Basic Plan
languages: English from the web page: "The BadgerCare Plus Basic plan is an optional, limited benefit health care plan. Only individuals who are on the Core Plan Waitlist will have the option to enroll in the Basic Plan..."
web page: Basic Plan — Enrollment and Benefits Guide
languages: English from the web page: "You will find the following information in this booklet. If you have questions, before you contact the Enrollment Services Center, please read this booklet. You may find your answer..."
Wisconsin Health Coverage Tax Credit (HCTC) Program
source:Internal Revenue Service | United States Department of the Treasury languages: English from the web page: "...two separate lists of state-qualified health plans for the state of Wisconsin, each serving a different purpose. Please review the information under each heading to determine which list is most appropriate for you..."
also from Internal Revenue Service | United States Department of the Treasury
: web page: HCTC: The Yearly HCTC languages: English from the web page: "...With the yearly HCTC, you pay your health plan premiums in full and then claim the credit on your tax return. The credit is refunded or applied as a credit toward you year-end taxes. This page provides general information on how the yearly HCTC works..."
The Health Coverage Tax Credit (HCTC) is a federal program that helps workers displaced by foreign industries and some retirees (and their families) pay health insurance premiums...
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Wisconsin Health Insurance for Low Income Children
source:The Wisconsin Medicaid Project languages: English from the web page: "...Children's Medicaid in Wisconsin; Children's Health Care: All Kids and FamilyCare... "
Health Insurance for Pre-Existing Conditions, Chronic Medical Problem Coverage
source:HealthCare.gov - U.S. Department of Health & Human Services languages: English from the web page: "...Eligible
undefined residents of Wisconsin can apply for coverage through the state’s Pre-Existing Condition Insurance Plan program run by the Health Insurance Risk-Sharing Plan (HIRSP) Authority..."
source:HIRSP Authority English from the web page: "The Health Insurance Risk-Sharing Plan (HIRSP) offers health insurance to Wisconsin residents who either are unable to find adequate health insurance coverage in the private market due to their medical conditions or who have lost their employer-sponsored group health insurance. Applicants are required to meet HIRSP eligibility criteria to qualify..."
also from HIRSP Authority : web page: Eligibility Requirements
languages: English from the web page: "...All applicants for HIRSP are required to meet all of the following five requirements: •You are a resident of Wisconsin •You are under age 65, unless you are not eligible for Medicare
•You are not eligible for employer-offered group health insurance •You are not eligible for comprehensive Wisconsin Medicaid services or BadgerCare Plus..."
web page: HIRSP Plans and Rates languages: English from the web page: "...Premium Rate Tables..."
source:Kaiser State Health Facts languages: English from the web pages: "...Has High Risk Pool Program ... Pool Open Only to Medically Eligibles ... Pool Open to HIPAA Eligibles ... Pool Open to Medically Eligibles..."
source:American Diabetes Association languages: English from the web pages: "The following information details health insurance and assistance programs available to uninsured people in Wisconsin..."
source:Wisconsin Department of Health Services languages: English from the web pages: "This fact sheet provides information about the Wisconsin AIDS/HIV Health Insurance Premium Subsidy Program and the AIDS/HIV Drug Assistance Program. The Wisconsin Department of Health and Family Services administers both programs."
source:State of Wisconsin - Office of the Commissioner of Insurance languages: English from the brochure: "...This booklet provides basic information regarding the insurance statutes and regulations that apply to insurance coverage for the human immunodeficiency virus (HIV) that causes acquired immunodeficiency syndrome (AIDS). For more detailed and complete information you may want to contact one of the AIDS service organizations listed on the Resources pages at the back of this booklet....."
also from State of Wisconsin - Office of the Commissioner of Insurance : web page: A Shopper's Guide to Cancer Insurance languages: English from the web page: "...Should You Buy Cancer Insurance? Cancer Insurance is Not a Substitute for Comprehensive Coverage. Caution: Limitations on Cancer Insurance..."
source:Office of the Commissioner of Insurance (Wisconsin) 5 pages; languages: English from the brochure: "Both state and federal law give certain individuals, who would otherwise lose their group health care coverage under an employer or association plan, the right to continue their coverage for a period of time. The two laws are similar in some ways, but also have provisions that are very different...."
source:Wisconsin Department of Health Services languages: English, Spanish from the web page: "...If you are losing your group health plan coverage, you may be entitled to an extension of your previous coverage..."
source:Georgetown University Health Policy Institute languages: English from the web page: "...If you are leaving your job and you had group coverage, you may be able to stay in your group plan for an extended time through COBRA coverage..."
source:Physicians News Digest languages: English from the web page: (warning: may be out-of-date)"...Some of the most confusing legislation in the HR arena is the Consolidated Omnibus Budget Reconciliation Act (COBRA). Passed by Congress in 1986, this law provides continuation of group health coverage that might otherwise be terminated when an employee leaves your practice..."
Wisconsin Health Insurance: Basics; Consumer Guides to Health Insurance WI
source:Office of the Commissioner of Insurance (Wisconsin) 25 pages; languages: English from the brochure: "Farm owners need health insurance to cover medical expenses for themselves and their families. As employers, farmers may also provide standard health insurance and worker's compensation insurance to employees. This booklet describes both health insurance and worker's compensation insurance...."
also from Office of the Commissioner of Insurance (Wisconsin): brochure: Health Insurance For Small Employers and Their Employees
2011 1 page; languages: English from the brochure: "Small employer health insurance is available
in Wisconsin from several insurers and managed care plans. This publication is meant to help small employers understand their options and to provide a comparison of premium rates available in the small employer health insurance marketplace...."
source:Foundation for Health Coverage Education 2 pages; languages: English, Spanish from the brochure: "...hand-held guide available that outlines your state’s (Wisconsin) public and private health care choices for individuals and groups in almost every demographic profile, as well as offers a reference list of phone numbers and Web sites..."
source:Georgetown University Health Policy Institute file size: 46 pg.; languages: English from the brochure: "...Help is available to certain low-income residents of Wisconsin who cannot afford to buy health insurance. Medicaid offers free or subsidized health insurance coverage, direct medical services or other help. In addition, the federal government, under the Trade Adjustment
Assistance (TAA) Program, provides tax credits to some workers who lose their jobs or whose work hours and wages are reduced as a result of increased imports..."
source:CoverTheUninsured.org file size: 9 pg.; languages: English from the brochure: "...Generally, you can get coverage if you are pregnant, a parent with a child living at home, a person with a disability or a person who spends most of your income on health care. In Wisconsin, children and their parents can generally get coverage if their family income is less than..."
source:Office of the Commissioner of Insurance (Wisconsin) languages: English from the web page: "Office of the Commissioner of Insurance, 125 South Webster Street, Madison, Wisconsin 53703-3474, (608) 266-3585, Madison; (800) 236-8517, statewide;..."
Wisconsin Health Care: State Programs; Clinics (Free Health Care, Low Cost Health Care)
source:Wisconsin Department of Health Services languages: English, Spanish from the web page: "...The Wisconsin Well Woman Program (WWWP) provides preventive health screening services to women with little or no health insurance coverage... mammograms, Pap tests, certain other health screenings, and multiple sclerosis testing for women with high risk signs of multiple sclerosis...."
also from Wisconsin Department of Health Services: brochure: Wisconsin Well Woman Program At-A-Glance 1 page; languages: English from the brochure: "The Wisconsin Well Woman Program (WWWP) provides specified breast and cervical cancer screening services to low income, uninsured or
underinsured women..."
source:Wisconsin Women’s Health Foundation languages: English from the web page: "The Wisconsin Women's Health Guide provides general information about services and programs that can help Wisconsin women. It is also a resource for county agencies and health care providers who work with women and families..."
source:City of Milwaukee, WI languages: English from the web page: "The Well Woman Program (WWP) provides preventive health screening services to low-income women who are uninsured or underinsured. ..."
source:Centers for Disease Control and Prevention languages: English, Spanish from the web page: "...Wisconsin currently offers WISEWOMAN services in the city of Milwaukee through the Milwaukee Breast and Cervical Cancer Awareness Program (MBCCAP). Plans for expanding the program to other communities in southeastern Wisconsin are underway..."
source: National Association of Community Health Centers (NACHC) languages: English from the brochure:"Community, Migrant, and Homeless Health Centers are non-profit, community-directed providers that remove common barriers to care by serving communities who otherwise confront financial, geographic, language, cultural and other barriers."
also from National Association of Community Health Centers (NACHC): web page: Find a Health Center languages: English from the web page: "If you need affordable health care, a Community Health Center may be what you're looking for... Click here to find the health center closest to your address or to see a list of health centers in your state or county/parish..."
"Community Health Centers are non-profit clinics funded by the federal and state government and other grants that have a mission to provide routine health care to people who struggle to find a doctor or nurse to care for them. Health centers have an open-door policy, caring for people..."
also from Wisconsin Primary Health Care Association: web page: Health Center Services languages: English from the web page: "•Checkups and physicals... •Office visits when you’re sick... •Care for life-time diseases like diabetes or asthma... •Cancer screening..."
"Federally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide
•checkups when you're well
•treatment when you're sick
•complete care when you're pregnant
•immunizations and checkups for your children
•dental care and prescription drugs for your family
•mental health and substance abuse care if you need it..."
source:Office of the Commissioner of Insurance 58 pages; languages: English from the brochure: "This booklet briefly describes the Medicare program. It also describes the health insurance available to those on Medicare. A booklet entitled Medicare Supplement Insurance Approved Polices, which describes individual and group Medigap insurance policies currently sold in Wisconsin, may be obtained..."
source:Wisconsin Department of Health Services 58 pages; languages: English from the brochure: "...SeniorCare is Wisconsin's Prescription Drug Assistance Program for Wisconsin residents who are 65 years of age or older and who meet enrollment rules..."
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