Health insurance is one of the most crucial parts of financial planning. Without it, just one major health issue can result in financial devastation and even bankruptcy. While many people find Wisconsin health insurance through an employer, others must purchase individual coverage on the private market. Fortunately, Wisconsin and Waukesha are residents have several options when it comes to finding quality health insurance solutions.
Types of Health Insurance We Can Help With
Short-Term Individual Health
Are you in between jobs? Waiting for Medicare enrollment? Looking to fill gaps in your major insurance coverage? Or maybe you need short-term coverage for a special activity? Whatever the case may be, we can help you find short-term health insurance.
Unlike long-term health insurance, short term insurance differs is a few ways such as limited benefits and the lack of pre-existing coverage. However, there are positive benefits to short-term health insurance including:
- Affordable Rates
- Quick Approvals
- Flexible Plans up to 1-year
- Peace of Mind
When you become eligible for Medicare, you have two options: Medicare Advantage, or a Medicare Supplement.
Medicare is a good foundation for healthcare as you age, but it cannot be relied upon to meet all of your coverage needs. As the cost of healthcare continues to rise, individuals age 65 and older should explore their options for supplementation. Here at G&L Insurance, we offer Medicare Supplement plans for Wisconsin residents who want affordable access to the high-quality healthcare they deserve. After Medicare Parts A and B pay, our policies can help you better cover the remaining costs of:
- Office visits
- Prescription medications
- Nursing home care
- And more
Unlike choosing Medicare along with a Medicare Supplement, a Medicare Advantage Plan is more like an HMO or PPO. When you choose the Medicare Advantage option, a provider provides all of coverage that you would otherwise receive from the government (Medicare,) along with your Medicare Supplement.
While a Medicare Advantage plan enjoys the benefit of lower or no premiums at all, it does limit your options when it comes to where you receive your care and from whom you receive it. For some people this is not an issue. If, for example, their regular provider is part of the Medicare Advantage network. For others, it may require you to choose a new doctor.
To find out if you are better off with a Medicare Supplement or a Medicare Advantage program, simply request a free, no-obligation meeting with one of our agents and we’ll answer your questions and review your options and their cost.
We know that affordability is a major concern when it comes to health insurance. You want coverage that will take care of you when you need it at a price that will not break your budget. By shopping with an independent agency like G&L Insurance, we can offer you health insurance quotes from multiple Wisconsin carriers. Our team can answer any questions you may have about coverage and provide assistance in choosing a plan that may be right for you. We can also show you ways of lower the cost of your coverage, such as by choosing a higher deductible or a larger co-insurance amount.
Health Insurance Quotes in Waukesha
Everyone needs health insurance, regardless of age or health background. If you are in the market for individual coverage, contact our office to find out more about your options and request a free Wisconsin health insurance quote. We look forward to serving you soon.