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"Pure Michigan", the tourist theme for the
state, refers to
the many lakes, golf courses, and the variety of fun and relaxing places to visit
that are truly unique to Michigan.
Michigan is called "Water Wonderland" and for good reason. It is
surrounded on three sides by the Great Lakes and has 11,037 inland
lakes. Michigan attracts tourists year round with the many
opportunities to enjoy nature, the lakes and the great outdoors.
Check out the affordable family attractions. Michigan's population is 9,883,640. There are approximately 1,274,000 Michigan
residents without health insurance. Approximately 1,790,000 are on
Medicaid support. See
28004 Center Oaks Court · Suite 205 · Wixom, MI 48393
Your Rights under Michigan Health Insurance Law
(Copyright 2008 All Rights Reserved)
Under the Affordable Care Act (ACA) often referred to as Obamacare.
No company is allowed to decline you because of pre-existing medical
Your Health Insurance policy cannot be cancelled because you get
sick. Michigan Health Insurance companies must renew your policy as
long as the premium payments are paid up-to-date and the questions
on the original application were answered truthfully.
Newborn children and legally adopted children must be covered for
the first 31 days under either the father's or mother's insurance
policy as per federal law. They must be added to the policy within
this time frame to continue the coverage.
No Michigan Health Insurance companies are allowed to sell their
policies outside of the open enrollment period established by the
ACA. This includes Michigan PPO and
Michigan HMO Health Insurance plans.
Michigan Health Insurance Plans can be purchased with the assistance
of an agent through the Federally Facilitated Marketplace Exchange
(FFM) or on the open market without going through the FFM.
Group Medical insurance in Michigan must accept all pre-existing
medical conditions with the following provisions. Michigan Health Insurance
companies must adjust the rates for groups of two-to-fifty employees
annually within a pre-determined range to spread out the risk among
all insurance companies. As per the Federal
HIPAA act of 1996,
groups of 20 or more employees must provide Michigan health
insurance through the
COBRA program to separated employees or
dependents of employees if divorce or death occurs. You cannot be
charged more than 2% higher than the actual premium for the COBRA
coverage. No pre-existing exclusion period can be applied by a
Michigan health insurance provider without appropriate written
notice. Physicians and other providers generally bill insurance
companies through medical billing companies such as
Physician Linx so the
patient doesn't have to take care of it.
particularly those at-or-below the poverty level, can purchase insurance for their
children from Michigan's
MIChild program for $5 a
month (rates as of November 2013). Low-income expectant single mothers can qualify for maternity
coverage under the MIChild program. Similar families in need of
family planning services may also receive those services under
MIChild's Plan First! program. MIChild can be reached by
complete review of guidelines for
Michigan Individual Health Insurance, Michigan Group Health
Insurance, COBRA guidelines and more, go to the
Georgetown University publication for Michigan. The publication
is titled "A Consumers Guide to Getting and Keeping Health
Insurance in Michigan" and can be seen at
The goal of Allchoice Insurance is to provide the lowest cost Health and Medical Insurance plans with the highest quality Insurance Companies.
As a Michigan Health Insurance Agency we license with many of
the Insurance Companies in Michigan and mostU.S.
States. This includes Blue Cross Blue Shield and many more.
We strive to provide the most affordable low cost health
insurance or medical insurance care plans for small
business, self employed, families, individuals and groups. Your
needs and budget are a primary concern in choosing a quality
program. More importantly, you want a company that will be easy
to work with when you have a claim. Your Health Insurance
Consultant is dedicated to your business and will always be
available to assist you. For Michigan, Indiana and Ohio Health
Insurance plans and HSA's (Health Savings Accounts)
we make your search for affordable low cost quality health
insurance easy. Your savings and peace of mind is Priceless.
All Choice Insurance represents all the
who have health care
MICHIGAN HEALTH INSURANCE. We want our representatives to
provide the most affordable health or medical insurance plans including HSA's
(Health Savings Accounts) for individuals, families and small
businesses in Michigan.
There are many
choices for Affordable Health Insurance and Medical
Insurance. Whether you are looking for Individual
Health Insurance, Family Health Insurance, or Self Employed
Health Insurance, there is a Low Cost Health plan or
Medical Plan to fit your needs. Health Care Plans are
available in Traditional, PPO, POS, HMO, HSA's (Health Savings
Accounts) or Catastrophic health insurance.
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