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• Individual Preferred Plan
• HSA-Qualified Plan
• Instant Protection Plan
• WPS Bridge65
• Network Information

Individual Health Insurance for Every Need and Budget

Our plans strike the right balance between coverage, choice, and cost. We offer multiple options under $100 a month, and any of our plans can be customized to best suit your needs.

• WPS Individual Preferred Plan is a traditional preferred provider plan with a variety of benefit choices including copays for routine care and prescription drugs.
• WPS Individual HSA-Qualified High-Deductible Health Plan is a lower premium, high-deductible health plan tied to a tax-advantaged health savings account that you control.
• WPS Instant Protection Plan (IPP) is short-term health insurance for up to 185 days. Apply today, and your coverage can start the next day.

Use the comparison chart below to help you decide which WPS health insurance plan is best for you.

Compare Health Insurance Plans Side by Side

	Individual Preferred Plan	HSA Qualified Plan	Instant Protection Plan
Coverage termThe time period in which you are covered with health insurance. of 30 to 185 days			•
Deductible A fixed amount paid for covered services prior to the plan making payments. Deductibles are usually required to be paid annually, after your medical expenses reach this amount, your insurance policy starts paying. options under $1,000	•		•
100% coverage for in-network A & B Preventive services rated A or B by the U.S. Preventive Services Task Force (USPSTF) are covered at 100%, including recommended immunizations, preventive care for infants, children, and adolescents, and additional preventive care and screenings for women. preventive care.	•	•
$25 copayA flat fee payment for certain medical services. for routine care ($500-$2,000 deductible plans)	•
Prescripton drug copay optionA drug copay is your share of the cost of a prescription. The remaining cost is paid by the health plan.	•
Prescription drug coverage Coverage targeted toward prescription drug expenses.	•	•	•
In-networkIn-network providers are a group of physicians, hospitals, and other medical facilities that agree to provide health care at discounted fees. and out-of-networkOut-of-Network Providers are physicians, hospitals, and other medical facilities that do not participate within a plan's contracted network and do not provide health care at discounted fees. Plans typically consider charges for out-of-network providers at a higher co-insurance level than for in-network providers. benefits	•	•	•
Choice of regionalA WPS regional network gives you in-network access to health care providers in multiple counties in specific regions of Wisconsin. By selecting a regional network, you will typically pay a lower premium. or statewideThe WPS Statewide Network gives you in-network access to providers in all regions of Wisconsin. By selecting the Statewide network, you will typically pay a higher premium. providers	•	•	•
Vision discountWPS members receive free access to the EyeMed Vision Care discount program. To receive the discount, simply show your WPS member ID card when you visit one of EyeMed’s 16,000 participating providers. program	•	•	•
Dental coverageWe teamed up with Delta Dental of Wisconsin to provide you with a variety of routine and major dental services - providing essential coverage for a healthy smile. option	•	•
Tax-favored savings accountHealth Savings Accounts (HSAs) enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs..		•

 

All WPS Health Insurance major medical plans comply with federal health care reform legislation. The WPS Instant Protection Plan is excepted from these regulations.

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