Insurance 101 (iii Insurance Information Institute)

5907 Business Highway 51, Schofield, WI 54476
Phone: 715-359-8119 | Fax: 715-359-9294

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Health Insurance Quote

We would appreciate it if you would take a few moments to answer the following questions. Please be assured that we do not share or sell personal information about you except when we have your permission.

First Name

M.I.

Last Name

Address Line 1

Address Line 2

City

State

Zip Code

Bold = Required field

Person To Be Insured

Date of birth

Gender

Marital Status

Height

Weight

Has this person used any tobacco products in the past 12 months?

Is this person an expectant mother or father?

Select any of the following that the person to be quoted has been diagnosed with (in the past 10 years):

If you've selected any of the above, please provide date of onset, diagnosis, and current status:

Does this person take any medications?

If Yes, please list medication name and dosage:

Any immediate relatives who have ever had heart disease?

Any immediate relatives who have had any form of cancer?

Has this person been a U.S. or Canadian resident for at least 12 months?

What is this person's highest education level?

Past or Present Military experience

What is this person's occupation?

Is this individual a private pilot or student pilot?

Does this person engage in scuba diving, sky diving, rock climbing, motorized racing, or any other hazardous avocation or occupation?

Has this person been convicted of drunk driving in the past 7 years?

Driver's license been suspended or revoked in the past 7 years?

Been convicted of 2 or moving violations in the past 3 years?

Ever been convicted of, or are now awaiting trial for a felony?

In the past 5 years, have you filed for bankruptcy?

If you answered Yes to any of the above 7 questions, please provide any further information you feel would help explain your answer:

Contact Information

First Name

Last Name

Address

City

State

Zip Code

Phone Number

E-mail Address

Don't Be Caught Off Guard, Get Insured Today!

Frequently Asked Questions

Following are some of the most common questions that we get concerning health insurance:

What is the difference between an HMO and a PPO? Which one is better?

HMO members must choose a primary care physician from a list of HMO member physicians. This physician provides general medical care and must refer you if you wish to see a specialist. PPO members do not have to choose a primary care physician and can refer themselves to specialists. HMOs provide no coverage for out-of-network care, while PPO members do not have to stay in the network. However, the out-of-network costs for PPO members are much greater than those that are in-network. HMOs typically don’t set deductibles that the member must meet before insurance benefits begin. In contrast, PPO members sometimes have to meet a deductible and may have larger co-payments than HMOs.

HMOs are a better choice if you are concerned with out-of-pocket costs, but PPOs are probably better if you have a medical condition requiring specialized care because you can refer yourself to a specialist.

I do consulting as an independent contractor. What options do I have regarding health insurance?

Your options will probably be limited to individual health insurance coverage that you purchase directly from a provider (PPO), or group coverage that you purchase through a professional association or civic group. When you apply for individual insurance, the provider will probably evaluate your “risk potential” with a series of medical questions to determine whether you qualify and how much it will cost. Individual insurance is typically more expensive than group coverage, but you can also customize the policy to fit your specific needs.

While it can be difficult to find, you can sometimes get coverage through trade and professional organizations, like civic groups and churches. The premium for group insurance is calculated based on the characteristics of the entire group. All group members can purchase coverage under the plan, regardless of age or physical condition.

Do I need prescription drug coverage if I already have major medical coverage?

Major medical insurance typically includes prescription drug coverage, so you usually do not need to purchase a separate prescription plan. However, all medical plans are different, and you should read your policy carefully to find out exactly what it covers.