Michigan Health Insurance
Shopping for health insurance in the state of Michigan might seem like a daunting task. Thankfully, there are many options open to residents of the state who are uninsured or underinsured. Whether you're healthy or not, this page will provide you with valuable information for obtaining health coverage. Read on to learn about COBRA, short-term insurance, and the difference between group and individual coverage. If you're healthy enough to obtain coverage on the individual market, need a short-term plan, or if you have a small business and qualify for small group, Health Plan One can help. If not, review the information on this page about Michigan Medicaid, Healthy Start, and Healthy Families. All of these government programs can help those who are medically uninsurable or who cannot afford private coverage obtain health coverage.
What Every Michigan Resident Should Know About Health Insurance
The type of health insurance familiar to most consumers is group coverage offered by an employer. With group health insurance through your employer the policy is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company's choosing, individual employees are not subject to medical underwriting, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.
Unfortunately, companies frequently have a waiting period before new employees can qualify to receive health insurance benefits. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company's insurance kicks in. Such options are available through Health Plan One. Simply visit our Short-Term information page for your free quotes. It is important not to have a lapse in coverage of more than 63 days. If you do, your new insurance carrier may refuse to cover treatment for pre-existing conditions you may have such as asthma or acne for up to a year after your policy goes into effect. For this reason, having continuous health insurance coverage is particularly important.
What If I'm Between Jobs?
As previously mentioned, it is important not to have a break in coverage of more than 63 days. As a result, if you've recently lost your job look into extending the coverage you had with your employer through COBRA. With the COBRA program through the federal government you can extend your plan for up to 18 months after losing your job. You will however have to pick up the entire premium cost which your employer had previously been paying. For this reason, it is frequently more economical for people who've lost their jobs to invest in an individual/family insurance policy through Health Plan One.
With individual coverage, you choose the health insurance carrier and benefits you want with the help of Health Plan One. We will quote plans for you and your family from all the different carriers available in Michigan so that you can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. Even if you are not between jobs, a plan on the individual market through Health Plan One could still be the best option for your family. Many companies do not offer benefits to their employees, and often those companies that do offer benefits do so at an exorbitant cost for low quality plans. It is important to note that with individual coverage in Michigan each person who applies is medically underwritten and may be approved, denied, or rated-up by the carrier depending on their health history in recent months.
If you're healthy and are unhappy with the health insurance offered by your employer, are between jobs, or are not offered benefits by your company, enter your zip code into the Health Plan One quoting engine at the top of this page to view the most competitively priced plans in your area with benefits tailored to your needs. Quotes are absolutely free, and you're under no obligation to buy. Our licensed insurance specialists are also available via LiveChat (see the button to the right) or toll-free at (877) 567-5267 to answer any questions.
If you're not healthy there are still many programs available to you. See below for details on the options which best fit your medical and financial situation.
Small Group Plans
If you are self-employed you could qualify for a small group plan in Michigan. If you own a small business and have at least 2 eligible employees, you can apply for a small group plan at any point during the year. Eligible employees work at least 30 hours per week. Small groups which meet these requirements may apply, but know that groups are subject to medical underwriting. This means that though no one in the group can be denied coverage, the carrier can increase the rates based on the health history of employees enrolling.
Health Plan One can help you by quoting plans for small groups. Simply call our toll-free number at (877) 567-5267.
For more information on small group plans for this state please see our Michigan Small Group page.
Michigan Medicaid and Medicare
The Medicaid program is meant to ensure that low-income residents of Michigan can obtain basic health coverage. The Michigan Department of Human Services (MDHS) determines eligibility for some of the health care programs that are administered by the Michigan Department of Community Health (MDCH). All of the plans and program options under the Medicaid umbrella have an income ceiling and/or an asset limit. There are several groups of Medicaid eligible individuals each with different corresponding program options. Here are those groups and the associated program options:
- Pregnant Women â€“ Healthy Kids for Pregnant Women, Group 2 Pregnant Women, and Maternity Outpatient Medical Services
- Adults â€“ Caretaker Relatives, Supplemental Security Income, Aged/Blind/Disabled, Disabled Adult Children, MIChoice, Medicare Savings Program, and Adult Benefits Waiver
- Families â€“ Low-Income Families, Special N Support, Transitional Medical Assistance, and Transitional Medical Assistance Plus
Information on each of these program options including eligibility information and benefit summaries are available here:http://www.michigan.gov/mdch/0,1607,7-132-2943_4860-35199--,00.html
For information on long-term care options in Michigan, view this pdf:http://www.michigan.gov/documents/1979altc_127331_7.pdf
Click here for information about Michigan Medicare Advantage plans.
Michigan Health Coverage Options for Children
There are several programs under the Medicaid umbrella directed specifically at delivering basic health coverage to all children in the state. For more information on all of the below programs, click here:http://www.michigan.gov/mdch/0,1607,7-132-2943_4860-35199--,00.html
Healthy Kids is a Medicaid program for low-income children under age 19 and for Pregnant Women of any age. There is an income test, but no monthly premium. Most children who are eligible for Healthy Kids are enrolled in a Medicaid health plan. Healthy Kids provides a comprehensive package of health care benefits including vision, dental, and mental health services.
MIChild is a health care program administered by the Department of Community Health (DCH) meant to serve the uninsured children of Michigan's working families. MIChild has a higher income limit than Healthy Kids. Like Healthy Kids, MIChild has an income ceiling and is for children who are under age 19. There is a $10 per family monthly premium for MIChild and each child must be enrolled in a MIChild health and dental plan in order to receive services. Enrollee benefits include vision, dental, and mental health services.
Children's Special Health Care Services is a program within the Michigan DCH that provides certain approved medical service coverage to some children and adults with special health care needs. Children must have a qualifying medical condition and be under 21 years of age. Individuals over 21 with cystic fibrosis or certain blood coagulating disorders may also be eligible.
Also, should your child be disabled, click on the above link to review the Special Disabled Children and SSI programs.
Plan First â€“ Family Planning Services
The state of Michigan now provides family planning services to residents meeting certain eligibility requirements. Eligible women are:
- 19 â€“ 44 years of age
- Not currently Medicaid eligible
- At a family income below 185% of the FPL
- Michigan residents and US citizens
Visit the Plan First website at http://michigan.gov/mdch/0,1607,7-132-2943_4853-146295--,00.html to review full eligibility details as well as benefit summaries.
For great information on all available programs in Michigan beyond those mentioned on this page, visithttp://www.michigan.gov/mdch/0,1607,7-132-2943_52115---,00.html
For help determining your eligibility for any of the above health programs or for any additional aid programs through the state, click here: http://www.mfia.state.mi.us/mars/
HIPAA Plans - Michigan's High Risk Pool Alternative
For information on HIPAA plans available in Michigan to those residents who are for medical reasons uninsurable on the private market, check out our HIPAA Insurance page.