Alyssa Lane
If you live in Madison, Wisconsin, and are looking to get medical insurance, there are several options available to you. The City of Madison offers its employees a choice of any plan through ETF's Wisconsin Public Employer Group Health Insurance PO 14, including three health maintenance organizations (HMOs) offering networks in the Dane County service area. You can also get Medicare Supplements, employee benefits, and group plans, as well as family and individual health insurance from The Health Insurance Store, which is a financial solutions agency serving clients in Madison and its surrounding areas. Other health insurance agencies in Madison include Schwarz Insurance, Frank Insurance Group, and Informed Choice Insurance Agency.
| Characteristics | Values |
|---|---|
| City of Madison employees' health insurance | Any plan offered through ETF's Wisconsin Public Employer Group Health Insurance PO 14, including three health maintenance organizations (HMOs): Dean Health Plan, Group Health Cooperative (GHC) of South Central Wisconsin - Dane Choice, and Quartz - UW Health |
| Annual medical deductibles | $500 for Single plans |
| Annual medical deductibles | $1,000 for Family plans |
| Single plans cover | Employee only |
| Family plans cover | Any combination of the employee + spouse and/or dependent(s) |
| Preventive care | Not subject to the annual medical deductible |
| Flexible Spending Account (FSA) | Offered to eligible employees to help pay for out-of-pocket healthcare expenses |
| Prescription drug insurance | Provided through Navitus Health Solutions |
| Vision Insurance | Offered through Delta Vision's Select Network |
| Dental Insurance | Offered through Delta Dental of Wisconsin |
| Medicare and Individual & Family plans | Offered by The Health Insurance Store, a retail store in Wisconsin |
| Medicare plans | Offered by Medical Insurance Solutions for Seniors, Frank Insurance Group, and Informed Choice Insurance Agency |
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What You'll Learn
Medicare and Individual and Family plans
If you are looking for Medicare and Individual and Family plans in Madison, Wisconsin, there are several options to consider. Firstly, you can explore the offerings of The Health Insurance Store, a financial solutions agency serving the Madison area. They offer Medicare Supplements, employee benefits, group plans, and individual and family health insurance options. The Health Insurance Store has partnerships with several insurance carriers, such as Quartz and UW Health, and their advisors can assist you in finding a suitable plan.
Another option is Schwarz Insurance, which serves Madison and the surrounding areas. They specialize in providing individual and group health insurance solutions, including Medicare supplements, travel insurance, group health plans (HMO, PPO, Indemnity), and ancillary policies. Schwarz Insurance also offers a range of other insurance products, such as personal home and auto insurance.
Informed Choice Insurance Agency is another independent agency in Madison that provides personalized risk management assistance. They help clients navigate the insurance buying process, offering various products such as Medicare Advantage, Original Medicare, short-term medical, vision, and dental protection plans. With over 200 years of combined industry experience, they are well-equipped to guide you in finding the right coverage.
Additionally, you can consider WPS Health Insurance, which offers individual and family health plans, as well as Medicare Supplement options. They provide a free, no-obligation quote and aim to make it easy for individuals to find the right plan for their needs.
Lastly, the City of Madison itself offers health insurance options for its employees. Through the ETF Program Option (PO) 14: Local Deductible Plan, employees can choose from several health maintenance organizations (HMOs) in the Dane County service area, including Dean Health Plan, Group Health Cooperative (GHC) of South Central Wisconsin - Dane Choice, and Quartz - UW Health. Employees can sign up for health insurance when they start their eligible position, during the annual open enrollment period, or after a qualifying event.
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Health Insurance Agencies in Madison
Health insurance is a necessity in today's world, and finding the right provider can be a challenging task. In Madison, Wisconsin, there are several agencies that offer a range of health insurance services to meet the diverse needs of individuals, families, and businesses.
One such agency is The Health Insurance Store, a financial solutions agency serving Madison and its surrounding areas. They offer a wide range of insurance products, including Medicare Supplements, employee benefits, group plans, and individual health insurance options. The Health Insurance Store has partnerships with several trusted insurance carriers, such as Quartz, UW Health, Dean, GHC, and WPS. Their experienced advisors provide valuable guidance and personalized recommendations based on their clients' health needs and budgets, ensuring a stress-free and informative experience.
Another reputable agency is Schwarz Insurance, which specializes in providing individual and group health insurance solutions. They offer Medicare supplements, travel insurance, group health plans (HMO, PPO, Indemnity), and ancillary policies. Additionally, Schwarz Insurance caters to commercial clients, offering office, retail, and workers' compensation coverage plans.
Informed Choice Insurance Agency is also a notable option, providing personalized risk management assistance from its Madison office. Their independent agents have extensive industry experience and help clients navigate the complex insurance landscape. They offer a range of products, including Medicare Advantage, Original Medicare, short-term medical, vision, and dental protection plans.
For those specifically seeking Medicare plans, the Frank Insurance Group is a team of Medicare specialists serving the Madison area. They guide clients in obtaining Medicare Supplements, Part D prescription drug plans, dental plans, and extended cancer protection. The company's agent, Al Frank, has nearly two decades of experience in Medicare insurance, ensuring knowledgeable guidance for their clients.
Lastly, Medical Insurance Solutions for Seniors is a well-established agency that has been serving Madison and its neighboring areas for over 20 years. They specialize in providing health insurance options for seniors and retirees, including Medicare Advantage and Supplement plans with comprehensive coverage for prescription drugs, dental care, vision, and hearing.
Each of these agencies offers unique services and demonstrates a strong commitment to helping individuals and businesses navigate the complex world of health insurance. By understanding their specific needs and budget constraints, these agencies provide valuable guidance and peace of mind to those seeking health insurance in Madison, Wisconsin.
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Dental and Vision Insurance
If you are an employee of the City of Madison, you can sign up for vision insurance through Delta Vision's Select Network. The city does not contribute to the premium for this benefit, and you must pay the full cost. You can sign up for vision insurance when you start working for the city, during the annual open enrollment period, or within 30 days of a qualifying event such as a change in family status. Vision insurance can be purchased separately or in combination with other types of insurance.
Delta Dental of Wisconsin has partnered with EyeMed to offer a vision care discount program. This is not an insurance plan but a discount plan that provides savings on eye exams, glasses, contact lenses, and laser vision correction. This plan cannot be combined with other vision insurance coverage.
The City of Madison offers its employees optional dental insurance through Delta Dental. Similar to vision insurance, the city does not contribute to the premium for this benefit. Eligible employees can sign up for dental insurance when they start their employment, during the annual open enrollment period, or within 30 days of a qualifying event. Current employees cannot make changes to their dental coverage outside of the open enrollment period, except within 30 days after a qualifying event.
In Madison, Wisconsin, several independent agencies can assist you in selecting the best insurance plan for your needs and situation. The Informed Choice Insurance Agency, for example, provides personalized risk management assistance and helps clients navigate the insurance purchasing process. They offer various products, including vision and dental protection plans. Another option is The Health Insurance Store, a financial solutions agency that offers Medicare Supplements, employee benefits, group plans, and family and individual health insurance. They have partnered with several insurance carriers, including Quartz and UW Health, and can provide customized plan recommendations.
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Flexible Spending Accounts (FSA)
The City of Madison offers its employees a range of health insurance options. These include three health maintenance organizations (HMOs) operating in the Dane County service area: Dean Health Plan, Group Health Cooperative (GHC) of South Central Wisconsin - Dane Choice, and Quartz - UW Health. Employees can sign up for health insurance when they start working for the City, during the annual open enrollment period, or within a specified time after a qualifying event, such as a change in family status or loss of other coverage.
In addition to these options, the City of Madison also offers eligible employees the opportunity to enroll in a Flexible Spending Account (FSA). An FSA is a valuable tool that can help individuals and families manage their healthcare expenses more efficiently. It allows employees to set aside a portion of their income pre-tax to pay for qualified medical expenses that are not covered by their insurance plan. This can include things like deductibles, copayments, prescription medications, and other eligible healthcare costs.
One of the key advantages of an FSA is that it helps employees save money on taxes. Contributions to an FSA are typically made through payroll deductions, reducing an individual's taxable income. This means that employees can lower their overall tax burden while also setting aside funds specifically for healthcare needs.
Another benefit of an FSA is its flexibility. As the name suggests, this type of account provides flexibility in how and when funds are used. Employees can use their FSA to pay for a wide range of qualified medical expenses, giving them greater control over their healthcare spending. This can include not only their own expenses but also those of their spouse and dependents.
It is important to note that FSAs usually have a "use-it-or-lose-it" policy, meaning that any funds not used by the end of the plan year may be forfeited. However, some plans may allow for a carry-over amount or a grace period, giving employees additional time to utilize their FSA funds. It is always important to carefully review the specific rules and guidelines of an FSA to maximize its benefits effectively.
In summary, a Flexible Spending Account offered by the City of Madison provides employees with a tax-advantaged way to pay for out-of-pocket healthcare expenses. It helps employees save money, provides flexibility in healthcare spending, and can be used for a wide range of medical costs for themselves and their families. By enrolling in an FSA, employees can better manage their healthcare finances and ensure they have funds available when needed.
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Health Insurance for City of Madison employees
Health insurance is an important benefit for City of Madison employees. The city offers its employees a range of health insurance options to choose from, ensuring they have access to quality healthcare services.
In 2025, the City of Madison is participating in the ETF Program Option (PO) 14: Local Deductible Plan without Dental. This means that employees can choose from any plan offered through ETF's Wisconsin Public Employer Group Health Insurance PO 14. This includes three health maintenance organizations (HMOs) with networks in the Dane County service area: Dean Health Plan, Group Health Cooperative (GHC) of South Central Wisconsin - Dane Choice, and Quartz - UW Health. These plans allow employees to access a network of healthcare providers and services within the county.
Eligible employees can sign up for health insurance when they start their employment with the city, during the annual open enrollment period, or within a specified time frame following a qualifying event such as a family status change or loss of other coverage. It is important to note that current employees cannot make changes to their coverage outside of the open enrollment period unless they experience a qualifying event.
Additionally, the City of Madison provides optional vision and dental insurance plans. Vision insurance is offered through Delta Vision's Select Network, while dental insurance is available through Delta Dental. The city does not contribute to the premiums for these benefits, and employees must enroll during specific periods, such as when they start their employment or during open enrollment.
The City also offers eligible employees the option to enroll in a Flexible Spending Account (FSA) to help with out-of-pocket healthcare expenses. This allows employees to set aside pre-tax dollars to pay for qualified medical expenses. Furthermore, health plans offer interest-free payment plans for qualified members, providing additional financial flexibility.
For prescription drug insurance, the City of Madison has partnered with Navitus Health Solutions, ensuring that employees have access to the medications they need. Overall, the City of Madison is committed to providing its employees with comprehensive health insurance options that cater to their diverse needs.
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Frequently asked questions
There are several health insurance agencies in Madison, Wisconsin, that can help you get medical insurance. These include The Health Insurance Store, Schwarz Insurance, Frank Insurance Group, and Informed Choice Insurance Agency. These agencies offer a range of services, including Medicare supplements, group health insurance, and personalized risk management assistance.
The City of Madison offers employees a choice of any plan through ETF's Wisconsin Public Employer Group Health Insurance PO 14. This includes three health maintenance organizations (HMOs): Dean Health Plan, Group Health Cooperative (GHC) of South Central Wisconsin - Dane Choice, and Quartz - UW Health. Employees can sign up for health insurance when they start eligible positions, during the annual open enrollment period, or within a specified time after a qualifying event.
The City of Madison offers a standalone vision insurance benefit through Delta Vision's Select Network. Delta Dental of Wisconsin also partners with EyeMed to provide a vision care discount program for savings on exams, glasses, and contact lenses. For dental insurance, the City of Madison's health plans include preventive care, which is not subject to the annual medical deductible.
The City of Madison offers eligible employees the option to enroll in a Flexible Spending Account (FSA) to help pay for out-of-pocket healthcare expenses. Health incentive accounts are also available, where employees can earn funds for staying healthy, which can be used for out-of-pocket medical costs.
