Wisconsin State Guide
Understanding Your Healthcare Options in Wisconsin
Navigating healthcare coverage can be overwhelming, but Wisconsin offers several programs to help residents access quality care. Whether you are uninsured, underinsured, or seeking assistance with medical costs, this guide will introduce you to the key options available.
Who Needs This Guide?
✅ You are uninsured or struggling to afford health insurance.
✅ You want to explore your healthcare coverage options in Wisconsin.
✅ You need financial assistance for medical costs.
✅ You want to maximize the benefits of your current healthcare plan.
Key Healthcare Programs in Wisconsin
1. Medicaid & BadgerCare Plus
Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.
What It Covers? Doctor visits, hospital care, prescriptions, preventive services, and more.
How to Apply? Visit Access Wisconsin or apply through the federal marketplace.
2. Affordable Care Act (ACA) Plans
Who Qualifies? Anyone who doesn’t get insurance through an employer, Medicare, or Medicaid.
What It Covers? Comprehensive health coverage, including preventive care, emergency services, and mental health care.
How to Apply? Visit HealthCare.gov or Wisconsin’s health exchange website.
3. Medicare
Who Qualifies? Individuals 65+ or those with certain disabilities.
What It Covers?
Part A: Hospital stays
Part B: Doctor visits
Part D: Optional prescription drug coverage
Medicare Advantage & Supplement Plans: Additional benefits
How to Apply? Visit Medicare.gov.
4. Employer-Sponsored Health Insurance
Many employers in Wisconsin offer group health insurance plans, often covering part of the premium. If you have a job, check with your employer about available health benefits.
If you recently lost job-based insurance, you may qualify for COBRA continuation coverage or special enrollment in an ACA plan.
5. Short-Term & Supplemental Health Plans
These plans provide temporary coverage or fill gaps in traditional insurance. Options include:
✅ Short-term health plans for temporary needs.
✅ Accident or critical illness insurance to help cover unexpected medical expenses.
Financial Assistance Programs in Wisconsin
💰 Premium Tax Credits – Reduce the cost of ACA marketplace plans.
💰 Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.
💰 Wisconsin-Specific Assistance Programs – Some residents may qualify for additional state subsidies or support.
Where to Get Help
🔹 Wisconsin’s Health Insurance Marketplace – Compare and enroll in ACA plans.
🔹 Medicaid Office – Apply for BadgerCare Plus and Medicaid.
🔹 Local Community Health Centers – Get low-cost or free healthcare services.
🔹 Tsunami Advisors – Get personalized guidance to find the best plan for your needs.
➡ Need Help? Schedule a free consultation with a Tsunami Advisor today! Visit TsunamiHealth.com
