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Individual Under 65 Quotes
Below you will find links to several different types of coverage. For all ancillary lines, you can apply directly through the link. For medical, you can apply directly through the link, or feel free to contact us and we would be happy to go through the application with you over the phone. If you have any questions on anything, don't hesitate to contact us via phone, email, or the chat box in the lower right corner of the page.
Select the product you are interested in:
Type of coverage:
Information:
Link to get quote:
Individual Health Insurance
Health Sherpa is a site where you can view multiple health insurance carriers and health plans in one location. You will enter your zip code, answer a few questions to determine who needs coverage and if you are eligible for a subsidy or not, and then you will see the plans and prices available to you in your area. You can apply right through the link, or contact us and we would be happy to do the application for you over the phone.
Carriers:
Common Ground, Dean Health Plan, Network Health, Unity Health Insurance, Children's Community Health Plan, Aspirus Arise - What you see may differ depending on zip code.
Health Insurance
Short Term Medical 30-180 Days
Type of coverage:
Information:
Short Term Medical - Gap insurance for 30-364 days.
Click the link below, enter your zip code and select continue. Enter your family information and dates you are looking for coverage. You can elect between 30 and 364 days. If you elect 364 days you also have the option for one guaranteed renewal. Once you have entered your information, click continue to see plans and prices. The two most popular plans and the ones we recommend are the $2500 and $5000 deductibles with no charge after you meet the deductible.
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These plans utilize the Aetna network which include all the major healthcare systems here in southeastern Wisconsin, and also have a national network with coverage up to $1,000,000. To qualify you have to be within their standard height/weight ratio guidelines and must be able to answer no to all of their medical questions. They do not cover pre-existing conditions, preventive care, mental health, maternity, or prescriptions. Other than that, the policy is comparable to any other coverage out there.
Carrier:
National General
Link to get quote:
Type of coverage:
Short Term Medical: Gap insurance for 30-364 days.
Dental: Covers routine cleanings and x-rays and basic services, like fillings. Some plans also cover major services, like root canals and crowns.
Vision: Must be added with dental. Not available in all areas.
Term Life: A term Life Benefit insurance plan with an optional Critical Illness Benefit designed to pay you cash benefits upon diagnosis of a qualifying illness or death.
Accident: Provides benefits for losses resulting from accidental bodily injury.
Critical Illness: A critical illness insurance plan can pay you cash for a qualifying serious illness. You can use the cash however you want - for bills, living expenses, out of pocket medical costs, and more. So you'll be able to focus on treatment and recovery.
Hospital & Doctor: A supplement to health insurance that gives you predictable 1st dollar benefits for doctor care, hospital stays, and more.
Hospital SafeGuard: Pays a fixed amount per day for hospital confinements and other qualified medical services to the calendar-year maximums.
Carrier:
United Healthcare
Information:
The link below will take you to the quoting page for all the products above. Enter your personal information and select "View Plans". All the available plan types will be shown in tabs across the top. If you are looking for short term medical coverage, this is the first page that is shown, and the plan we recommend is the "Short Term Medical Plus." Click on "Details" for any plan that says "Short Term Medical Plus," which will take you to the quote. You will be able to modify the plan within the quote. The set up we recommend is either the $2500 or $5000 deductible with a $2000 out of pocket maximum, and the single payment. The reason we recommend that plan and those deductibles is that if you go higher in benefit, the additional price outweighs the additional coverage, and if you go lower, you don't save enough to justify the loss in benefit. These two deductibles account for 100% of our short term plans placed. You can pay monthly as well but if you are able to pay the whole term up front they give you a 25% discount, and you can cancel early if need be with a pro rated refund.
Link to get quote:
Type of coverage:
Information:
Link to get quote:
Dental & Vision Insurance
Dental: If you’re looking for a full coverage dental plan, we recommend the Enhanced Plan. It matches up fairly close with a typical employer sponsored plan. You will have coverage right away for your preventive care and basic services such as fillings, but one thing you have to be aware of is that there is a 12 month waiting period for major services if you do not have prior coverage. It will show which services are subject to the waiting period on the quote.
Just so there is no confusion, this is straight from the brochure: “Any waiting periods will be waived for you if you were covered under another comprehensive dental-insurance plan for at least 12 months before you enrolled in this plan – but only if there was no more than a 63-day gap between your previous plan and this plan. (You may have to supply information about your previous plan to make sure you qualify for waived waiting periods.)”
If you’re looking for more of a preventive care only plan, we would recommend the Delta Dental Individual & Family - Low Plan. They cover fillings after a 6 month waiting period, cleanings, x-rays, and your other basic preventive services, but nothing major.
Vision: Both vision plans offered are good plans with no waiting periods. The Essential Plan most closely resembles what is typically offered through an employer sponsored vision plan. The Brilliance Plan is similar, but with higher allowances and lower copays for those looking for a higher level of coverage.
For both dental and vision, you can enroll right through the quote.
Carrier:
Delta Dental
Dental Insurance
Vision Insurance
Type of coverage:
Information:
Links to get quote:
Travel Insurance
These are two separate companies that offer almost identical plans. In fact, depending on your area, HTH will even direct you to the GeoBlue website for quotes. If you're picking a plan that is offered by both companies, quote both companies, because the prices may be different. One popular item that HTH has that GeoBlue does not is trip protection that will pay out a benefit if the trip is canceled. In most situations, the GeoBlue Voyager Choice, HTH Travel medical, or the HTH Trip Protection Plan will be the one for you. The others are more specialty plans.
Carriers:
HTH Worldwide & GeoBlue
Travel Insurance
Term and Whole Life
Disability and LTC
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