Michigan Health Insurance

Whether you are healthy as a horse or chronically ill, making sure you have a proper health care plan is always important. With medical bills as pricy as they are today, making sure you have a plan that can get you through whatever may occur is paramount for a financially stable and healthy future. That is why we have come up with health-insurance.org; to help you make your decision an educated and painless one. A decision in which you select the plan that is best for you and get hooked up with a Michigan health care agent to help you complete your mission.

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Michigan Family Health Care (MI)

Your family can gain health coverage a few different ways; the two main forms of health insurance include group health and individual health care.

Group Health Policies includes HMOs, PPOs, POSs and HSAs. HMOs are the least expensive option, but your choice depends mostly on the medical package that your employer is offering. If you are interested in getting a very flexible plan, than a POS or PPO may be preferable. Do some research about the different options to ensure you are getting the best suited plan for your family.

Individual Health Plans can be a bit costly, but is much more flexible than a group health plan, and may be your only alternative if your employer does not provide a group health option.

Health Policies for Individuals in Michigan (MI)

Individuals have the same options as a family in Michigan do for health insurance; group or individual health policies. Fortunately for you, finding a policy to cover yourself is a much less daunting task than finding one for a whole family. If you are having trouble due to your health condition, there are a few different programs listed below that may be able to guide you in the right direction.

Michigan (MI) Health Care Providers

• American Medical Security
• Assurant Health (formerly Fortis)
• Blue Cross Blue Shield of Michigan
• Celtic
• Fairmont Specialty Group
• Golden Rule
• Humana
• Security Life
• UNICARE

Looking for a health plan in Michigan? Click here to request a quote!

Michigan (MI) State Health Programs

• Medicaid
• MIChild
• Breast and Cervical Cancer Control Program (BCCCP)
• The Federal Health Coverage Tax Credit (HCTC)

Michigan (MI) Health Insurance Laws

Public Act 517
No Michigan health insurance provider may exclude or limit coverage for a preexisting condition unless the pre-existing condition has been diagnosed or treated within six months of the new coverage.

Michigan Patient Bill of Rights
Guarantees your rights to: information about your health coverage plan, health coverage sooner for preexisting conditions that existed before you were enrolled in your current health coverage plan and faster, more understandable ways of handling complaints.

The Federal Health Insurance Portability and Accountability Act
Limits coverage exclusions for more than 12 months. Any prior health plan can provide you with certification of creditable coverage when your coverage with them ends. Check when looking at new coverage to see if there is a waiting period and what types of conditions fall under "preexisting conditions".

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