Are you currently uninsured and need to get coverage as soon as possible? You may be able to get health insurance in Wisconsin today through the Health Insurance Marketplace, individual insurance provider websites, or health insurance agents if either of these statements apply –
It's Open Enrollment (November 1, 2017 to December 15, 2017 for 2018 coverage)
You qualify for a Special Enrollment Period (SEP). SEPs are tied to major life changes, such as marriage, divorce, having a baby and so on. If you don’t meet these requirements, you can’t get health insurance outside of the open enrollment period. That may mean you can’t get health insurance today.
If I get health insurance today, how soon will the health insurance start?
It depends on your enrollment reason and when you’re signing up. Typically, if you sign up between the 1st and 15th day of the month, your coverage will start the first day of the next month. If you sign up between the 16th and the last day of the month, your coverage typically starts the first day of the second month. See if you qualify to get health insurance today and when your coverage may start.
HOW SOON AM I ABLE TO SEE A DOCTOR AFTER I GET HEALTH INSURANCE?
As soon as your insurance coverage starts you may visit an in-network doctor. You can call and schedule your appointment before your coverage starts. Just make sure your appointment date is scheduled after your coverage starts.
Some insurance companies will give you your ID card before your coverage starts. Once you get your health insurance ID card, it’s easy to schedule an appointment.
IS THERE A GRACE PERIOD BEFORE A NEW MEMBER MAY RECEIVE CERTAIN TYPES OF SERVICES?
Some services may need prior authorization (PA) even after you get health insurance. The PA process may involve an office visit. If your doctor believes that you need a specialized service that requires prior authorization, the doctor or nurse will fill out a Prior Authorization Form for you. The form is sent to your insurance company for review. In two or three weeks, your doctor or the insurance company lets you know whether the service has been approved or denied. Some medications also require a Medication Prior Authorization. This process works in a similar way.
If you need to get health insurance today, browse our health plans and get a quote here or call our helpful and knowledgeable customer service representatives.