If you do not get your health insurance through your employer, a Michigan Individual or Family Health Plan is your standard option. By being an independent insurance agency, we are able to compare plans and benefits to find the best insurance for you and your family.  A Michgan Individual or Family Health Plan will provide you with long-term protection and comprehensive medical coverage.  

Michigan Individual Health Plans - Because there is only one person to consider, health coverage for an individual is relatively easy.  There are two categories of health insurance available:  group and individual.  Most people try to save money by buying a group policy.  There are several medical networks with different characteristics that will affect which group insurance you choose.  They are: HMOs, PPOs, POSs, and HSAs.

Which Plan to Consider - With an HMO plan you are required to see your own primary care physician so you may want to take in to consideration whether your physician is close to home or work. These plans are sometimes less expensive.  PPOs and POSs cover a wider geographic area and encourage you to see doctors within their network.  You will have the flexibility to seek care from out-of-network physicians but, sometimes this is more expensive than an HMO.  An HSA (health savings account), is a high deductible health policy which is cheaper.

Michigan Individual Insurance - When buying a Michigan Individual Health Insurance Plan, the policy is written solely for that person and is based on his/her personal medical condition.  If there are pre-existing medical conditions, it may make buying an individual policy more difficult.  However, a person may be accepted for comprehensive insurance but excluded for the pre-existing condition.  If you are a smoker and are seeking individual health insurance, please note that smokers always pay more.

Michigan Family Health Plans - Many families need to find health coverage on their own.  When determining the kind of coverage needed, you have to take in consideration the number of family members you wish to insure.  There are two categories of Michigan Family Health Insurance available:  group and individual.  There are several medical networks with different characteristics that will affect which group insurance you choose.  They are HMOs, PPOs, POSs, and HSAs.
 

Which Plan to Consider - HMOs often cost less. Your family will see their primary physician so you will probably want the physician's cliinic to be near your home. If your family is healthy and requires only routine care, you may want to consider an HMO plan. PPOs andPOSs offer more flexibility if family members need to see specialists.  These plans have a large network of doctors to choose from and you may go outside the network, but usually at a greater cost.  These plans are slightly higher but offer greater flexibility.

A Michigan Health Savings Account (HSA) can provide a tax-free way of paying for your family's health costs.  A health savings account is devoted solely to health expenses and is used with a high deductible health insurance policy.  High deductible insurance policies cost less and the money you save can be put into your HSA account.