Individual Michigan Health Insurance
We offer every 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?
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 health care 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.
Finally within the 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. Talk to a expert today and request a quote.
Before we get to FAQ's, let us discuss three popular supplemental products available to purchase with your health insurance plan. One being a hospital indemnity plan which gives you a lump sum payment everyday that you are required to stay in the hospital (plan has $50-$500 per day choices. Inpatient care only).
The second supplemental product being a accident medical expense plan which pays you a lump sum check if you are injured and need medical care because of an accident (benefits of $500-$2500). As you can see both products help deal with the hardship of your current deductible.
The third and final supplemental program we offer is the critical illness protection plan. This program pays the client a lump sum check ($10,000-$100,000 is available) on the first diagnosed episode of either cancer, stroke, heart attack, heart transplant, and/or kidney failure. This is very popular within the state of Michigan. Just imagine a lump sum check to help pay off your deductible and leave you some extra money if you were to have one of the five conditions mentioned. Again very affordable within the state.
Frequently asked Health Insurance Questions
What is the most important question I should ask when I am shopping for my personal insurance policy?
You must find out what your out of pocket maximum is going to be with covered expenses. Always ask an agent this question when being quoted for a insurance policy.
Do I need to take a physical to be considered for health insurance?
If you have been uninsured for some time, certain companies might ask for physical before you are considered for coverage. At Palmer & Associates, we work with all the top health companies, so while one company might ask for a physical, another one probably will not.
How long is my premium guaranteed for?
Depending on the policy and usually the deductible, we can guarantee your premium will remain locked for 12 months.
Will my health insurance plan include dental?
Some companies do offer dental as an optional benefit. However, I advise consumers to buy dental separate from their plan. The reason being if you switch you health insurance, your dental insurance will not go with it. At Palmer & Associates, we offer numerous competitive Michigan dental quotes to go hand in hand with your health insurance.
Will my policy have maternity coverage?
Another difficult issue with regards to health insurance within our state. Maternity coverage is very important and some women and families find the need to have it. As of right now (2012'), only a select few companies still offer a maternity rider to help cover a pregnancy. These riders do add on extra premium if selected.
What plan do you have Randy?
Due to past health concerns, I am currently on a short term medical plan.
Request your quote today.