Thank you for your interest in Group Health Cooperative of South Central Wisconsin (GHC-SCW) as a health care and insurance option for you and your eligible family members!

Bronze 6550 Ded/6550 MOOP HSA

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Choosing the Right Plan

Visit to learn more about other programs and services available to you and your family. We hope you will consider GHC-SCW, as both your medical and health insurance provider.

For questions about your plan, plan benefits, medical services, and provider choices, please contact the GHC-SCW Individual Plan Sales Representative at (608) 828-4831 or

Summary of Limitations and Exclusions

GHC-SCW   ©Copyright 2018 Group Health Cooperative of South Central Wisconsin (GHC-SCW).

Choose your Network

  • Select – Group Health Cooperative of South Central Wisconsin (GHC-SCW) owns and operates six clinic locations in and around Madison. GHC-SCW’s select network also gives you access to our world-class specialty partners at UW Hospital. (View Our Select Provider Directory)
  • HMO – Group Health Cooperative has partnered with an extensive network of providers throughout the region. There are 25 clinics to choose from in our HMO network for Primary Care. ( HMO provider directory , HMO regional directory).

Review our plans to see which plan meets yours needs (View the Individual Plan Comparison)

  1. Maximum Out of Pocket – The most you pay during a policy period (calendar year) before your health insurance or plan begins to pay 100% of the allowed amount. This limit never includes your premium, balance-billed charges or health care your health insurance or plan doesn’t cover. Some health insurance or plans don’t count all of your co-payments, deductibles, co-insurance payments, out of network payments or other expenses toward this limit.
  2. Co-Payment – A fixed amount you pay for a covered health care service. The amount can vary by the type of covered health care service.
  3. Deductible – The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay.
  4. Coinsurance – Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the amount we allow to be charged for services. You start paying coinsurance after you’ve paid your plan’s deductible.

Premiums versus what is paid for services

  1. It is most important to have a low monthly premium ( I don’t plan to use my insurance often, and I am okay with paying more out of pocket costs if I have to visit the doctor).
  2. It is most important to have low maximum out of pocket cost for the year. (I think I will visit the doctor often, and I would prefer to limit the most I will have to spend out of pocket).