HIRSP Federal FAQ's

Frequently Asked Questions HIRSP Federal Plan

How can I compare which plan is better for me?
The HIRSP Federal Plan offers four deductible options. The deductible options will be $500, $1,000, $2,500 and $3,500. Premium rates for the HIRSP Federal Plans are lower than current HIRSP plan rates. However, if your household income is below $34,000 per year, you may qualify for a premium subsidy under HIRSP. If you qualify for subsidy under HIRSP, your premium may be lower than the premium on the HIRSP Federal Plan.
What are the benefits for the HIRSP Federal Plan?
The HIRSP Federal Plans will offer medical and drug benefits that are comparable to Wisconsin HIRSP. The HIRSP Federal Plans will not have a pre-existing waiting period.
Do I have to be uninsured for 6 months?
You cannot have been enrolled in creditable coverage* in the six months prior to enrolling in the HIRSP Federal Plan.
* Creditable Coverage includes coverage under qualifying group health plans and insurance from any of the following:
  1. a group health plan.
  2. health insurance coverage.
  3. Medicare Parts A, B and D.
  4. Medicaid.
  5. TriCare, formerly the Civilian Health and Medical Plan of the Uniformed Services (CHAMPUS).
  6. Civilian Health and Medical Plan of the Veterans Administration (CHAMPVA).
  7. a medical care program of the federal Indian health service or of an American Indian tribal organization.
  8. a state health benefits risk pool.
  9. a federal employee health plan.
  10. a public health plan.
  11. a Peace Corps health plan.
What qualifies as a pre-existing condition?
You must obtain one letter of rejection due to medical underwriting from a private insurance carrier. You must have received the letter of rejection up to 9 months prior to applying for the HIRSP Federal Plan.
Prescription drug coverage? More than just generics?
The HIRSP Federal Plans will offer a drug benefit, including generic and brand name drugs, that are comparable to Wisconsin HIRSP, with no waiting period for preexisting conditions. View the Wisconsin HIRSP benefits.
Will I lose my place on the BadgerCare Plus Core plan waiting list if I apply for this program?
You will not lose you place on the BadgerCare Plus Core plan waiting list if you enroll in the HIRSP Federal Plan. However, if you enroll in the BadgerCare Plus Core or Basic plan first, you will not be eligible for the HIRSP Federal Plan.
If I enroll in the BadgerCare Plus Basic plan, will this make me ineligible for the HIRSP Federal Plan?
If a person enrolls in BadgerCare Plus Basic or Core plan, they will NOT be eligible for the HIRSP Federal Plan. To be eligible for the HIRSP Federal Plan you must be uninsured for the past 6 months.