WPS is a horrible insurance company. When they did offer individual policies years ago, they typically considered most procedures to be either medically un-necessary or experimental. These were procedures covered by Medicare, Medicaid and almost all commercial insurance. Apparently it became so bad that most doctors would treat WPS patients as uninsured and require payment up front instead of billing WPS. Relying on Federal contracts seems to have not worked out well for them either.
Good riddance to the fraudulent folks at WPS. Maybe it’s the only good thing to have come out of 0-care.
My husband has had WPS for nearly 10 years. It is still the most affordable policy out there for the self-employed. He has an individual policy.
In 2010, he had an accident resulting in amputation of two fingers at the first joint. They paid everything they were contracted to pay, were totally accessible and transparent at all times.
Not once has any provider dismissed his policy or complained about his coverage. WPS policy holders get a 10% provider discount at our local clinic, as well. He is nearly 62, has a history of kidney stones, gout and is on BP meds. Despite conclusions one could draw from his medical history, he is active, not overweight and his blood lipids and all other vitals are great.
I, OTOH, am on Medicare, which so far has paid little to nothing when I have had to use it. My supplemental picks up those charges. I was interested to see that an ER visit for a dog bite was billed at nearly $1000, of which Medicare picked up less than $50, while my supplement picked up $275 and no one asked me for anything other than my contracted co-pay.
YMMV, but WPS has been a good company for us.