A Wisconsin family health insurance company frequently provides coverage through employee or other group insurance and may cover the entire family. However, children may need their own health insurance and some insurance companies require a separate policy for each family member.

WI family health insurance is more expensive than individual health insurance because more people are covered and the scope of the coverage is typically greater. A Wisconsin family health insurance provider takes factors such as age, gender, tobacco usage and state of residency of each family member into account when determining a preliminary quote.

There are three key points to consider when evaluating WI family health insurance providers:

1. Your family’s specific needs. A Wisconsin family insurance plan should include a vision plan for a family with a history of poor eyesight. Likewise, a family that takes a lot of medication will require a prescription plan.

2. The exclusions. These are services or treatments that health insurance plans in Wisconsin will not cover. Most policies list exclusions in a specific section, but additional exclusions could be present.

3. The premium. Wisconsin family health insurance providers with a high premium may provide services that your family won’t need.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of WI family health insurance plans

Family health insurance frequently will cover your entire family unless a family member has a pre-existing condition. In this case, the affected individual may require an individual policy. No matter what your family situation is, seek multiple quotes from different providers before you choose a plan.

I recommend: Apply for family health insurance coverage in Wisconsin by completing the application form at eHealthInsurance, including the census data on your family members and your zip code. The form at InsureLane also allows you to indicate a pre-existing condition on a family member.

Contact a specific agent when looking for family health insurance in Wisconsin

You may want to get family health insurance in Wisconsin through an agent who can make a recommendation based on your specific needs.

I recommend: Go to Celtic and select your state and zip code to find all of that company's agents in your area. The Association of Health Insurance Advisors also will allow you to locate health insurance agents.

Get a Wisconsin family health insurance policy from a specific carrier

Go straight to the carrier for quotes if you have already decided on the carrier and don't have a regular insurance broker.

I recommend: Anthem Blue Cross Blue Shield of Wisconsin is one of the largest Wisconsin family health insurance companies. M3 Insurance provides personal insurance for business owners in Wisconsin.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Wisconsin family health insurance providers use health maintenance organizations in local clinics as a less expensive option, which may be a good choice for families that are generally healthy. Point of service and preferred provider organization plans are more expensive but more flexible for family members who may need a specialist. You should ensure that your family physician is a member of the POS or PPO network.
• •  Review your family health insurance expenditures for the previous year when selecting a new health plan. This may allow you to sensibly reduce your premium by increasing your deductible. A high premium also can be reduced by eliminating coverage for services your family doesn't really need. However, a policy with an unusually low premium may indicate inadequate coverage, difficulty in getting claims approved or slow payment.