Physicians Plus Insurance Review & Ratings (2024)

Physicians Plus Insurance is a Wisconsin-based health insurance company that offers a range of health care coverage options, including individual and family plans, Medicare Advantage plans, dental and vision coverage, and more.

The company’s mission is to provide high-quality, affordable health care coverage to Wisconsin residents, with a focus on promoting wellness and preventive care.

While Physicians Plus Insurance’s coverage area is primarily limited to certain counties within the state of Wisconsin, the company offers a range of discounts and incentives to help members save money on their healthcare costs.

These discounts may include wellness incentives, tobacco cessation programs, family discounts, prescription drug discounts, and more.

What You Should Know About Physicians Plus Insurance

Welcome to our comprehensive guide on Physicians Plus Insurance. In this article, we will delve into the key aspects of Physicians Plus Insurance, including its coverage options, customer satisfaction, and more. Discover the range of health insurance plans offered by Physicians Plus Insurance and learn about their commitment to providing quality healthcare.

Interesting Attributes of Physicians Plus insurance:

• Provides a range of products and services that cater to the needs of individuals and families.
• Offers various discounts and savings opportunities to their customers.
• Has been providing quality healthcare coverage to its members for over 30 years.

To ensure you make an informed decision, we also provide real user ratings on overall satisfaction, claims, cost, billing, and service. Don’t miss the opportunity to find the best insurance coverage for your needs. Enter your zip code now to compare rates from the top insurance providers and secure the ideal health insurance plan for you and your family.

Physicians Plus insurance is a Wisconsin-based health insurance company that has been serving the community for over three decades. They offer a range of products and services that cater to the needs of individuals and families. As a reliable and trustworthy insurance company, Physicians Plus is worth considering for your healthcare coverage needs.

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Physicians Plus Insurance History and Mission

Physicians Plus Insurance was founded in 1986 in Madison, Wisconsin, with the mission to improve the health and well-being of the communities they serve. The company began as a small, physician-led health plan and has since grown into a reputable health insurance provider with over 30 years of experience in the industry.

Physicians Plus operates as a subsidiary of Quartz Health Solutions, Inc., a Wisconsin-based health care organization that provides a wide range of health care services to individuals, families, and employers. As a not-for-profit health insurance company, Physicians Plus is committed to providing quality health care coverage to its members at an affordable cost.

Over the years, Physicians Plus has developed a reputation for excellence in the health insurance industry, with a focus on promoting wellness, preventive care, and disease management. The company works closely with health care providers to ensure that members receive the best possible care, and they offer a range of products and services that cater to the needs of individuals and families.

Physicians Plus Insurance Coverage Options

Physicians Plus Insurance offers a range of health insurance products and services to individuals and families in the state of Wisconsin. Their coverage options include:

• Individual and family health insurance: Physicians Plus offers a range of individual and family health insurance plans that provide comprehensive coverage for medical expenses, hospitalization, prescription drugs, and more. Their plans are designed to meet the unique needs of individuals and families, with options for both high and low deductibles, copays, and coinsurance.
• Medicare advantage plans: Physicians Plus offers a range of Medicare Advantage plans that provide comprehensive coverage for medical expenses, prescription drugs, and more. Their plans are designed to provide affordable, quality healthcare coverage to individuals who are eligible for Medicare.
• Dental insurance: Physicians Plus offers dental insurance plans that cover routine cleanings, exams, and other dental services. Their plans are designed to help members maintain good oral health and prevent costly dental procedures.
• Vision insurance: Physicians Plus offers vision insurance plans that cover eye exams, glasses, and contact lenses. Their plans are designed to help members maintain good eye health and prevent vision problems.

States Where Physicians Plus Insurance is Available

Physicians Plus Insurance is a Wisconsin-based health insurance company, and as such, their coverage is primarily available in the state of Wisconsin. However, their coverage area may vary depending on the specific type of plan selected.

For individual and family health insurance plans, Physicians Plus Insurance is available in the following Wisconsin counties:

• Columbia
• Dane
• Dodge
• Green
• Iowa
• Jefferson
• Rock
• Sauk
• Walworth
• Waukesha

For Medicare Advantage plans, Physicians Plus Insurance is available in the following Wisconsin counties:

• Columbia
• Dane
• Dodge
• Green
• Iowa
• Jefferson
• Rock
• Sauk
• Walworth
• Waukesha

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Physicians Plus Insurance Rates Breakdown

The cost of Physicians Plus Insurance depends on several factors, including the type of coverage selected, the level of coverage, deductibles, copayments, and coinsurance amounts, and the location of the insured individual or family. Additionally, discounts may be available to members who meet certain criteria.

• Individual and family health insurance plans: The cost of coverage can range from around $200 to $800 per month, depending on the level of coverage selected. Higher levels of coverage typically come with higher monthly premiums but lower out-of-pocket costs, such as deductibles and copayments.
• Medicare advantage plans: The cost of coverage can vary depending on the specific plan selected. Some plans may have $0 monthly premiums, while others may require members to pay a monthly premium in addition to their Medicare Part B premium. Additionally, Medicare Advantage plans may have deductibles, copayments, and coinsurance amounts that vary by plan.
• Dental and vision insurance plans: The cost of coverage can range from around $10 to $50 per month, depending on the level of coverage selected. These plans typically have lower monthly premiums than health insurance plans but may have annual maximums on coverage amounts.

Physicians Plus Insurance Discounts Available

Physicians Plus Insurance offers a range of discounts and incentives to help members save money on their health care costs. These discounts may vary depending on the specific type of plan selected and individual eligibility requirements. Some of the discounts available from Physicians Plus Insurance include:

• Wellness incentives: Physicians Plus offers wellness incentives to encourage members to take steps to improve their health and well-being. These incentives may include discounts on gym memberships, wellness classes, and other healthy lifestyle activities.
• Tobacco cessation programs: Physicians Plus offers discounts to members who participate in tobacco cessation programs or quit smoking. These discounts may be in the form of reduced premiums or other incentives.
• Family discounts: Physicians Plus offers discounts for families with multiple members on the same plan. These discounts can help families save money on their health insurance premiums.
• Prescription drug discounts: Physicians Plus offers discounts on prescription drugs for members who use participating pharmacies. These discounts can help members save money on the cost of their medications.
• Medicare part B premium reimbursement: Physicians Plus offers a reimbursement program to help Medicare Advantage members pay for their Medicare Part B premium. This program can help members save money on their health care costs.

Unpacking How Physicians Plus Insurance Manages Claims

Ease of Filing a Claim

Physicians Plus Insurance offers multiple convenient methods for filing insurance claims, ensuring a hassle-free experience for their policyholders. Policyholders can file claims through their online portal, over the phone, or via their mobile app. This flexibility allows individuals to choose the method that suits their preferences and needs, making it easy to initiate the claims process.

Average Claim Processing Time

The efficiency of the claims processing system is a critical factor for policyholders. Physicians Plus Insurance strives to provide a timely claims processing experience. While specific processing times may vary depending on the nature of the claim and its complexity, the company is committed to processing claims as quickly as possible to expedite payouts and provide peace of mind to their customers.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on the claims resolution process is a valuable insight into the overall satisfaction of policyholders. Physicians Plus Insurance encourages feedback from their customers to continually improve their claims handling.

While individual experiences may vary, the company is dedicated to resolving claims fairly and promptly, ensuring policyholders receive the support they need during challenging times.

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Elevating Insurance: Physicians Plus Insurance Digital and Technological Breakthroughs

Mobile App Features and Functionality

Physicians Plus Insurance offers a user-friendly mobile app that enhances the overall customer experience. The app provides policyholders with easy access to their insurance information, allowing them to view policy details, track claims, and even file claims directly from their mobile devices. The mobile app’s intuitive design ensures that policyholders can manage their insurance needs conveniently on the go.

Online Account Management Capabilities

Policyholders benefit from robust online account management capabilities through Physicians Plus Insurance’s website. They can log in to their accounts to review policy information, make premium payments, and access important documents. The online portal streamlines administrative tasks, empowering customers to have greater control over their insurance policies.

Digital Tools and Resources

Physicians Plus Insurance recognizes the importance of digital tools and resources in assisting policyholders in making informed decisions about their insurance coverage. Their website offers valuable resources such as educational articles, insurance calculators, and tools that help individuals understand their insurance needs better.

These digital resources contribute to a more transparent and informed insurance experience for customers.

How Physicians Plus Insurance Ranks Among Providers

In the highly competitive health insurance industry, Physicians Plus Insurance faces competition from several key players. Each competitor brings its unique strengths and offerings to the table. Let’s explore the main competitors of Physicians Plus Insurance.

• Unity Health Insurance: Unity Health Insurance, based in Wisconsin, is a prominent competitor for Physicians Plus Insurance. As part of the larger UW Health system, Unity offers a range of health plans, including individual and family coverage, Medicare plans, dental insurance, and vision insurance. Unity Health Insurance is known for its extensive provider network and commitment to community health.
• Dean Health Plan: Dean Health Plan, another significant player in Wisconsin’s health insurance landscape, competes directly with Physicians Plus Insurance. Offering a variety of health plans, Dean Health Plan focuses on providing comprehensive and affordable coverage. The company emphasizes preventive care and wellness programs to enhance the overall health of its members.
• Anthem Blue Cross Blue Shield: Anthem Blue Cross Blue Shield operates on a national scale and is a major competitor for Physicians Plus Insurance, particularly in markets outside Wisconsin. Anthem offers a diverse range of health insurance products, including individual and family plans, Medicare options, dental, and vision coverage.
• Humana: Humana, a national health insurance provider, competes with Physicians Plus Insurance, especially in the Medicare Advantage space. Humana is known for its Medicare plans, prescription drug coverage, and wellness programs. The company’s innovative approach to healthcare and its broad range of offerings make it a strong competitor in the industry.
• Cigna: Cigna is a global health services organization that competes with Physicians Plus Insurance on a national and international scale. Cigna offers a variety of health insurance plans, including individual and family coverage, Medicare plans, dental, and vision insurance. The company’s emphasis on holistic health and well-being positions it as a formidable competitor.

In the dynamic landscape of health insurance, Physicians Plus Insurance contends with strong competitors such as Unity Health Insurance, Dean Health Plan, Anthem Blue Cross Blue Shield, Humana, and Cigna.

Each competitor brings its unique strengths, ranging from regional dominance to national and international reach. Understanding the offerings and strengths of these competitors is crucial for individuals and families seeking the best health insurance options for their needs.

Customer Reviews of Physicians Plus Insurance

Customer reviews of Physicians Plus Insurance are generally positive, with many customers reporting high levels of satisfaction with the company’s products and services. Some of the strengths reported by customers include:

• Quality of care: Many customers report that Physicians Plus Insurance provides high-quality health care coverage, with access to a wide range of providers and services.
• Customer service: Customers report positive experiences with Physicians Plus Insurance’s customer service team, noting that representatives are friendly, knowledgeable, and helpful.
• Affordable pricing: Many customers report that Physicians Plus Insurance offers affordable health care coverage options, with reasonable premiums and out-of-pocket costs.
• Range of services: Customers appreciate the wide range of health care services and products offered by Physicians Plus Insurance, including medical, dental, and vision insurance options.

However, there are some areas where customers report room for improvement, including:

• Limited coverage area: As a Wisconsin-based health insurance company, Physicians Plus Insurance’s coverage area is limited to certain counties within the state. This can be a drawback for individuals living outside of these areas.
• Provider networks: Some customers report difficulty finding in-network providers, particularly for specialized care.
• Claims processing: Some customers report delays or issues with claims processing, which can be frustrating and time-consuming.

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