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

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.