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We’re a non-profit health insurance cooperative. We’re governed by our members.
We place principles over profits. We speak the truth. And we answer to you. Always.
Compare all plan options below.

2021 Individual and Family Plans

View a list of important insurance definitions here.
For resources designed to help you choose the best health insurance plan for you, visit GetCovered.WI.gov for more information.

Click the links below to access the Schedule of Benefits for these 2021 plans:

Gold 1800/80  |  Gold 2000/80  |   Silver 4000/75

Silver 3000/74/Copay 40   |   Silver 7000/75   |   HSA Bronze 7000/100

Bronze 8150/100   |   Bronze 8550/100   |   Catastrophic 8550/100

Prescription Drug List   |   Certificate of Coverage 

Click the links below to access the Schedule of Benefits for our 2021 CSR plans:

 Silver 4000/75

3400 CSR   |  700 CSR  | 150 CSR

Silver 3000/75/Copay 40

3000 CSR   |  650 CSR  |  100 CSR

Silver 7000/75

3300 CSR   |   400 CSR  |   50 CSR

Click the links below to access the Schedule of Benefits for these 2020 plans:

Catastrophic 8150/100 |   Bronze 8150/100  |   Bronze HSA 6750/100

Silver 3000/75/Copay 40  |  Silver 6500/75 |  Silver 4000/75  |   Gold 2000/80

 

Click the links below to access the Schedule of Benefits for our 2020 CSR plans:

 Silver 4000/75

3400 CSR   |  600 CSR  | 200 CSR

Silver 3000/75/Copay 40

3000 CSR   |  550 CSR  |  150 CSR

Silver 6500/75

3300 CSR   |   500 CSR  |   50 CSR

All plans offer the American Indian/Alaskan Native Plan Variations (Limited Cost Sharing and No Cost Sharing) for eligible individuals.  Please click here for more information about those plan variations.

1 PCP = Primary Care Provider (includes general pediatrics, internal medicine, OB/GYN, family practice, general medicine, chiropractor and geriatrics) Urgent = Urgent Care Services Emergency = Emergency Room Care Services

2 Services that meet the definition of emergency are paid at the in-network rate even when care is delivered in a non-network ER. Because we do not have a contract with out of network ER facilities, we cannot prevent these facilities from billing our members for the balance of the charge. The copay applies to the facility charge only. All other charges related to ER visit are subject to deductible/coinsurance.

3 Preventive Care received out of network is not covered

4 Silver 7000/75 plan has a separate prescription drug deductible of $5,000 associated with it *ONLY for tier 3 and specialty medications*.

5 Catastrophic plan applies to persons under age 30 or those with a hardship exemption from the federal Marketplace (healthcare.gov)

Our Deductibles, Explained: All plans have a January 1 to December 31 deductible. All deductibles, coinsurance, and copayments accumulate toward the out-of-pocket maximum. Deductibles and out-of-pocket maximums must be satisfied separately. All plans described on this page have embedded deductibles for family coverage. This means that if you are enrolled in 2-person or family coverage, an individual family member only has to satisfy the single person deductible before the plan begins to make payment for covered services for that family member. 

To access your plan’s Summary of Benefits and Coverage (SBC), click here.

Common Ground Healthcare Cooperative does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.

This page provides summary information.  Please refer to the certificate of coverage and schedule of benefits for a complete listing of benefits and terms of coverage.  A list of exclusions and limitations can be found here.