ALTERNATIVE HEALTH PLANS

Alternative Health Insurance Plans available all year.

  • Available all-year

  • Next-day effective dates may be available depending on plan

  • Nationwide network coverage on many plans

  • NO government involved application & no bureacratic prying eyes into your income

  • No Deductible and Low Deductible plans available

Call 262-536-5155 for a free, no-obligation consultation.

*Note: If you have serious pre-existing conditions, we will usually recommend an Affordable Care Act (ACA / Obamacare) as most "alternative health plans" have limited or no coverage for pre-existing conditions.  However, if you are unable to enroll in ACA due to missing open enrollment, an "alternative health plan" is often better than no coverage and may still be appropriate.

Any Benefits listed below are subject to change and vary by state and are for illustrative purposes only.

Information provided is for illustration only. Plan information and/or rates listed may be subject to change and not current at time of application.  Contact Ken Locke or the insurance company directly for the current product rate and benefit information.

Doctor's Office

UnitedHealthcare® Golden Rule

  • Nationwide Choice Network.

  • Hospital & Surgical high deductible short-term plan now available.

  • Short-Term Medical up to 364 days (depending on state additional or fewer days may be available)

  • No deductible Limited Medical plans with no expiration

  • Optional Supplemental Ancillary plans may include:

    • Accident Insurance​ and Gap Plans

    • Dental and/or Vision

    • Telemedicine (Virtual Visits via Phone or PC)

On-Exchange Plans by Molina, Network Health, Children's Community Health Plan, Common Ground Healthcare, Dean Health plan, Medica, Unity Health, MercyCare, and more for Wisconsin, Iowa, Kansas & Texas.

NATIONAL GENERAL 

  • Short-Term Medical up to 364 days (depending on state additional or fewer days may be available)

  • No deductible Limited Medical plans with no expiration

  • Optional Supplemental Ancillary plans may include:

    • Accident Insurance​ and Gap Plans

    • Dental / Vision / Hearing

    • Telemedicine (Virtual Visits via Phone or PC)

  • Waiting periods may apply on some plans

On-Exchange Plans by Molina, Network Health, Children's Community Health Plan, Common Ground Healthcare, Dean Health plan, Medica, Unity Health, MercyCare, and more for Wisconsin, Iowa, Kansas & Texas.

IHC Solutions

IHC SOLUTIONS SHORT-TERM MEDICAL

  • Well designed Short-Term Plans some of which may include, depending on state, limited coverage for pre-existing conditions

  • Pay Usual & Customary at any provider nationwide with access to the First Health PPO Network for additional savings.

  • Optional Supplemental Ancillarybenefits including:

    • Dental​

    • Accident and Critical Illness Gap Plans

    • Hospital Indemnity Plans

    • Telemedicine

Off-Exchange plans are available from Network Health, Children's Community Health Plan, Arise, WPS, Medica & Common Ground Healthcare for Wisconsin, Iowa, & Kansas

PIVOT HEALTH SHORT-TERM MEDICAL by COMPANION LIFE

  • Up to 364 day terms available in most states.

  • Quantum short-term plan that covers intercollegiate  and organized, non-professional, non-paid sports.

  • Plan benefit maximums range from $100,000-$1 million.

  • No network Indemnity Plan: visit any doctor or hospital

  • Includes prescription coverage on some plans

  • Vision Discount card included (save 15-30% on eye exams, lenses, frames and contacts)

  • Up to $1 million of maximum coverage per person

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STANDARD LIFE AND ACCIDENT INSURANCE COMPANY

  • Short-Term Plan with up to 364 days in most states.  May reapply for additional terms if needed. No deductible.

  • No Deductible Limited Medical plan available with no expiration.

  • Access to a nationwide PPO network (MultiPlan) with an average savings of 16-39.2%,

  • Additional association membership benefits including Prescription Discount Card, eDocAmerica, Identity Theft Insurance, & 24 hour Emergency Roadside Assistance & more!

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ANTHEM ENHANCED CHOICE (AEC)

  • Up to 18 month term available in Wisconsin. (Iowa plan also available, term length may vary).

  • Variety of deductibles from $1,500 to $7,500

  • Access to Anthem's nationwide network of providers when travelling for Urgent and Emergency care.

  • PPACA Preventive Benefits covered at 100%

  • Most pre-existing conditions are covered.

  • Underwriting is required. Acceptance not guaranteed and rates subject to change based on underwriting results.

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MEDI-SHARE

  • Affordable

  • Options to fit every family budget.​

  • Biblical​

  • Your dollars will never be used for procedures not in line with your values​

  • Connect and pray with members as you meet each other's needs. 

  • Penalty Free

  • Although not insurance, Medi-Share members are exempt from the Affordable Care Act mandate to purchase insurance or face financial penalties.

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SAFEGUARD HEALTH PRIMARY CARE & WELLNESS CARE PLANS

  • Coverage for PPACA Preventive Benefits: 100%

  • National coverage through PHCS Specific Services Network (www.multiplan.com)

  • No health underwriting: Guaranteed Issued.

  • Pharmacy Benefits available including a 4-Tier copay option or Discount card.

  • Specialist visits available on Elite Plan

  • No catastrophic of hospital coverage. See plan details for more information