Individual Products & Forms

Individual Insurance Options

Plans & Riders

Plan Option Flyer

Sales Area by Zip Code

Member Materials 

Individual & Family Plan Base Rates 

Effective 1/1/18

Dane County Resident, Non-Tobacco User
Dane County Resident, Tobacco User

Outside Dane County, Non-Tobacco User
Outside Dane County, Tobacco User

Forms & General Notices

General Exclusions & Limitations

Individual Application

Individual/Family Plan Choice Form

Release of Information Authorization

EFT Authorization & Change Form

Non Group Change Form ** For Changes Only.

Please use the Individual Application (above) for new enrollment.

Send the Non Group Change Form to:
Physicians Plus Insurance Corporation
2650 Novation Parkway
Madison, WI 53713

Medical Loss Ratio Information
The Affordable Care Act requires health insurers in the individual and small group markets to spend at least 80 percent of the premiums they receive on health care services and activities to improve health care quality (in the large group market, this amount is 85 percent). This is referred to as the Medical Loss Ratio (MLR) rule or the 80/20 rule. If a health insurer does not spend at least 80 percent of the premiums it receives on health care services and activities to improve health care quality, the insurer must rebate the difference.

A health insurer’s Medical Loss Ratio is determined separately for each State’s individual, small group and large group markets in which the health insurer offers health insurance. In some States, health insurers must meet a higher or lower Medical Loss Ratio. No later than August 1, 2012, health insurers must send any rebates due for 2011 and information to employers and individuals regarding any rebates due for 2011.

Physicians Plus had a Medical Loss Ratio for 2011 that met or exceeded the required Medical Loss Ratio. For more information on Medical Loss Ratio and your health insurer’s Medical Loss Ratio, visit