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Michigan health insurance
Health insurance is one of the essential things you should get yourself. You may be a healthy and young citizen right now; however, there is no saying what the future holds. You need to have a health insurance plan in order to be financially prepared to tackle a major health cost. If you are a resident of Michigan and are looking for a health insurance plan, we have all the information you need.
Individual health insurance plans in Michigan
The costs of buying an individual health insurance plan in the state of Michigan have increased by 66.4% in the last three years. For this reason, it is essential for you to look for a plan that offers you suitable covers at a cost you can afford. There are a variety of plans on offer depending on your particular medical needs. Medical underwriting is allowed in the state of Michigan, except for HMO plans and for the Blue Cross And Blue Shield Companies. Based on this, a carrier may refuse your insurance application on account of your health status, age or other factors. There is a look back period of 6 months and the company may impose an exclusionary period of 12 months. For HMO plans and for plans under the Blue Cross And Blue Shield Companies, there is a maximum limitation of 6 months on both the exclusionary period and the look back period.
As the state of Michigan does not offer a high risk pool to people who are unable to secure insurance elsewhere, the BCBS Company has to provide insurance to people who are considered medically uninsurable. However, people who receive covers through BCBS cannot avail coverage under COBRA or other government programs.
Group health insurance in Michigan (small businesses with 2-50 employees)
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can extend up to six months prior to your application and the company may deny covers for those conditions up to 12months. However, if you are getting an HMO plan or a plan under BCBS, no exclusionary periods may be imposed on you. The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Michigan. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Michigan Medicaid plans
Medicaid plans are also offered in the state of Michigan. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Michigan also offers the MiChild children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Michigan and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top Michigan Health Insurance Carriers
Our service is the best way for you to secure the most suitable Michigan health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Michigan Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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