Personal Health Insurance
Every year the cost of providing healthcare increases dramatically. Simple same-day surgeries, required tests, and emergency attention can add up to tens of thousands of dollars. The professionals at Baer Insurance Services can help you find a plan that matches your needs and your budget.
Baer Insurance Services will help you find a plan that fits your needs and your budget in Middleton, Wisconsin.
Health insurance helps pay for medical care, from routine visits to major procedures, and protects you from high out-of-pocket costs. The right plan depends on your situation, whether you need individual, family, or Medicare-related coverage.
Individual and Family Plans
These plans cover you and your dependents for doctor visits, hospital care, prescriptions, and preventive services. Plans differ in premiums, deductibles, networks, and out-of-pocket limits.
Medicare Supplement Coverage
For those on Medicare, a supplement (Medigap) plan helps pay costs that Original Medicare does not, such as certain deductibles and coinsurance, for more predictable expenses.
What does health insurance cover?
Most plans cover preventive care, doctor visits, hospital stays, and prescriptions, subject to your deductible, copays, and network. Specific benefits vary by plan.
What is the difference between a premium, deductible, and copay?
The premium is what you pay for the plan each month, the deductible is what you pay before the plan starts sharing costs, and a copay is a fixed amount you pay for a covered service.
What is a Medicare supplement plan?
A Medicare supplement, or Medigap, plan helps pay some of the out-of-pocket costs that Original Medicare leaves to you, making your medical expenses more predictable.
When can I enroll in a health plan?
Individual coverage is generally purchased during an annual open enrollment period, with special enrollment periods available after qualifying life events such as marriage, a birth, or loss of other coverage.
Why work with an independent agent?
As an independent agency, Baer Insurance Services can compare health and Medicare-related options from multiple carriers and help you understand the trade-offs, with personal, local service.
Personal Health Insurance — Coverage Options Can Include:
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Medical expenses coverage -
Emergency & hospital care -
Individual policy control -
Pre-existing condition options -
Deductible choice -
Co-payment flexibility -
Physician visits -
Prescription coverage
Baer Insurance Services works with multiple health insurance carriers to help find the plan that matches your health needs and financial situation.