Most family health insurance plans in Wisconsin offer all essential health benefits if they are an Affordable Care Act (ACA) compliant plan. Because of the ACA, insurance plans in Wisconsin generally must cover the same essential health benefits. These benefits may be very good news for people looking for family health insurance plans and include:
ACA-compliant family health plans also cover a specific set of preventive services for children without charging you a copayment, coinsurance or deductible. This list includes:
When looking for family insurance plans in WI, be sure to find out if the plan offers wellness programs. Some insurance plans offer great programs for families that actually provide cash rewards for healthy activities and prizes for children who participate.
Health plans for families and individuals are usually offered in five basic categories – bronze, silver, gold, platinum and catastrophic. These “metal level” plans may cover the same kinds of benefits in Wisconsin. What generally differs is how much they pay, on average, toward the out-of-pocket costs of healthcare services. Here’s how it works:
Costs for family insurance plans vary based on your age, where you live and your tobacco use*. You cannot be charged more because of your gender or any health conditions.
Growing families tend to use a lot of health care services, so it could make sense to choose a plan with a higher premium and lower out-of-pocket costs (platinum and gold level). Be sure to check if your family health insurance offers robust wellness programs and other programs that help growing families.
Gold and Platinum level plans may feature higher premiums, but may offer lower copayments, deductibles and coinsurance. This helps you budget and know what you may be paying month-to-month to provide health insurance for your family. It also offers the security of knowing you have some protection from financial risk if you or your children require specialized care.
Now that you know what to look for, browse our family health insurance plans in WI and get a quote right now. With a plan from Quartz, your family will get access to American Family Children’s Hospital and referral-free access to the specialists and physicians of UW Health.
*Tobacco Surcharge: Wisconsin allows health insurance companies to charge tobacco users 50 percent more than non-tobacco users.