Wisconsin Health Insurance

Wisconsin Health Insurance is a system designed to protect persons against the risks of financial loss by transferring the risks to a large group who share the financial losses. The Insurer is the company offering protection through the sale of an insurance policy to an insured. The Insured is the person whose risk is transferred and shared.

Health insurance in Wisconsin is designed to protect the insured against the costs of hospital and medical care or lost income arising from an illness or injury. It is sometimes called Accident or Sickness Insurance, Accident and Health Insurance, or Disability Insurance.

Wisconsin Long Term Care Insurance covers the cost of long-term custodial care in a nursing facility or at home. Caveat: Please read your policy carefully as not all long term care insurance covers the same needs, for example some only cover assisted living facilities and not all nursing home facilities and needs.

Why do you need Wisconsin health insurance?

As medical care advances and the cost of treatments increase, health care costs also increase greatly. The purpose of Wisconsin health insurance is to help you pay for your care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have Wisconsin health insurance.

You need health insurance because you cannot predict what your medical bills will be in the coming years. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have Wisconsin health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.

We also know that there is a link between having health insurance and getting better health care. Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it.