Health Insurance

We offer every Michigan health insurance company product line from the traditional full coverage doctor co-pay PPO plans to short term medical plans. Product line also includes HMO's to even the popular health savings account.

What is most popular for health insurance in the state of Michigan? To this day, co-pay plans are still going strong. They resemble somewhat what people had within past group coverage's.

Although there are some minor variations from traditional group coverage, these plans offer the highest level of benefits for individual health insurance. You can expect things like preventive care and prescription drugs to be an included benefit on most doctor co-pay plans.

The latest plan to hit the Michigan health insurance market is the health savings account (HSA). Coupled with a high deductible health insurance Plan, HSA's allow clients to pay for medical expenses with pre-tax dollars. Premiums are usually lower than a co-pay plan, but expenses like doctor visits, exams, and prescription drugs are paid out of pocket until the deductible is met.

Next is the Blue Cross Blue Shield of Michigan HMO plan just introduced in 2009. This plan includes co-pays for doctor visits and prescription drugs. Plan includes a low deductible however you must use a primary care physician within their network.

Finally in the Michigan health insurance market we have short term medical plans. These plans can range anywhere from 1-6 months. Perfect for students who just graduated, or even a consumer who is between jobs. Does not cover pre-existing conditions, however does serve a purpose as you have read. Not used to substitute major medical health insurance.

Do not be left walking around without health insurance. As you have read, options are plentiful here in the state of Michigan. Talk to a expert today and request a quote.