Employees may need temporary health insurance for several different reasons, including unemployment or because they have only a part-time or temporary job. While waiting for permanent health insurance to begin, employees need Wisconsin temporary health insurance coverage. Temporary insurance also provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not provide services for short-term health insurance. Wisconsin providers usually allow the insured party to receive care from any health provider licensed to practice in the United States.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Wisconsin:

1. Gap coverage between long-term policies is the intended purpose of temporary health insurance. Wisconsin workers with temporary health insurance should get standard health insurance at some point in the future.

2. Temporary health insurance in Wisconsin is intended to provide coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Wisconsin temporary medical insurance is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, so carriers are not required to issue or renew these policies.

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

Obtain general pricing information for Wisconsin temporary medical insurance policies

A wide variation in the cost of premiums exists between companies, but Wisconsin temp health insurance is more expensive than an equivalent long-term policy.

I recommend: Get prices from multiple companies that provide WI temporary health insurance on the Wisconsin Health Insurance Network. This site also provides guidance on how to choose temporary health insurance.

Examine the different types of Wisconsin temporary health insurance policies available

WI temporary health insurance plans often are designed for a specific group or medical condition. It is usually convenient to know the intended purpose of a given policy without having to read the details of the policy.

I recommend: Find a summary of different types of plans for temporary medical insurance in Wisconsin at The Insurance Shoppe. This site selects plans that have low prices.

Apply for a more personalized quote on temporary health insurance in Wisconsin by location

Your initial quote is more meaningful when it is based on personal information that you provide when applying for short term-health insurance. Wisconsin residents can take advantage of centralized websites that will send your application form to multiple health insurance companies.

I recommend: Fill out the brief application form at the Radtker Rhone Insurance Agency. This agency provides insurance only in Wisconsin.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review WI temp health insurance for provisions that would extend coverage past the stated termination date. Temporary health care plans often cover total disability until a specific condition has been met, including the termination date has been met, a specific treatment is no longer required or a maximum benefit amount has been paid. Many plans also will provide a fixed benefit for partial disability after the termination of the policy.