Health Plan Products and Solutions
Michigan has been a haven for families from the time when the Algonquian Indian tribes lived peacefully along the shores of the Great Lakes. Today, this Mecca for tourists is home to manufacturing and educational giants. The state's historically strong economy is rebounding from recent difficulties as it diversifies to include important high-tech industry. During this rebound, many individuals are moving in and out of the state, as well as changing jobs. Many of these new and relocating residents need to find Michigan health insurance to meet the particular needs of families as well as individuals. Michigan has an uninsured population of close to 8 percent of the total population of nearly ten million. Luckily, affordable health insurance plans in Michigan are easy to find, whether you are looking for an individual or family policy or need to insure the employees of a large company.
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Questions to Consider:
- Do you want to choose your own doctor?
- What can you afford to spend a month on a premium?
- What benefits are important for your family?
- How often do you or your family need to visit the doctor?
Types of Health Insurance Products
Health Maintenance Organization (HMO) Plans: HMOs are among the most affordable health insurance plans, but the affordability is off-set by many restrictions. Preventive care is stressed.
Preferred Provider Organizations (PPO) Plans: Choose your own physician. There is flexibility in deductibles charged, but out-of-pocket costs are higher.
Point of Service (POS) Plans: This type of plan combines HMO and PPO plans to allow you to choose your doctor. However, you may not have a deductible.
Self-Directed Health Plans (SDHP): This type of plan is a good way to cover preventive care if you seldom need to see the doctor. It may be combined with a high-deductible PPO.
Health Savings Accounts (HSA): Combined with a high deductible plan, this program allows you to save tax-free money to cover initial expenses.
Prescription Plans: Many plans offer prescription benefits to offset this increasing medical cost.
Small Group Solutions: Employers who want to retain quality employees know that a solid, comprehensive health insurance plan is an important part of a benefits package.
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