Wisconsin Individual Health Insurance

Written by Norene Anderson
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Wisconsin individual health insurance is available from many nationwide carriers. If you are currently covered by a group plan in the state of Wisconsin and you are losing the employment benefits, it is very possible that the same company will offer an individual policy with the same benefits.

It is important to read the fine print and to know the laws for Wisconsin individual health insurance policies. The insurance carrier is not obligated to renew an individual policy if it is not guaranteed renewable. The carrier is allowed to refuse renewal even if there is a guaranteed renewable clause provided the carrier gives a 90-day notice and does not renew all policies of the same type. It must offer a substitute policy for individuals.

Rules for Wisconsin Individual Health Insurance Carriers

When you make application for a Wisconsin individual health insurance policy and make the payment, you still have 10 days to return the policy and obtain a refund. It is crucial that you take the time to review the final policy carefully as soon as it arrives. If you are dissatisfied with the coverage or feel it is not what you had desired, you can have time to return it within the restricted time limit.

In Wisconsin, it is possible for insurance carriers to deny coverage to individuals based on health issues. They can also limit coverage based on pre-existing conditions. It is not a requirement in Wisconsin for insurance providers to sell individual standardized plans. You must carefully consider each policy you are comparing to make certain you are looking at the same benefits and restrictions.

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