Individual Michigan Health Insurance
In 2012 we are going to allow consumers the opportunity to get a quick quote, or apply online with no consultation from the agency. While we offer all the major health insurance companies within the state, our two most popular carriers at this time are UnitedHealthOne and Assurant Health. By applying online with no consultation from the agency, you accept basic responsibilities of understanding the plan you choose, the benefits included, and the monthly premium.
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.
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.
Frequently asked Michigan Health Insurance Questions
What is the most important question I should ask when I am shopping for a Michigan Health 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 Michigan Health Insurance policy.
Do I need to take a physical to be considered for health insurance?
If you have been uninsured for some time, certain Michigan health insurance 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 Michigan health care 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.
What if my child needs a Michigan health insurance policy by himself?
Obviously this has became a problem in the state after the health care laws were passed. While most health insurance companies will not take children alone, we are lucky enough to have two carries who will insure kids by themselves. Michigan child health insurance is still possible!
What plan do you have Randy?
Due to past health concerns, I am currently on a short term medical plan.
Request your Michigan health insurance quote today.
It is obvious health care reform is going to change the Michigan health insurance market. Learn more today about the new law.