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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.
Welcome Residents and
Businesses of Michigan & All States
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)
BCBSM has the onluy guarantee issue Michigan health insurance or Michigan
Medical Insurance policies for individuals. They provide a variety of plans
which may or may not cover doctor visits or prescriptions.
impose a six month waiting period for pre-existing conditions.
Pregnancy is considered a pre-existing condition but will be covered
after the six month period. There is one large shortcoming with the
BCBSM policies regarding children. Children cannot be covered
individually, they must have an adult on the policy with them. This
creates a problem because the individual BCBSM policies have limited
coverage for doctor visits and prescriptions.
Under Michigan law, individual health insurance policies are limited
to one year exclusion riders on pre-existing conditions. Because of
this, most Affordable Michigan Health Insurance Companies reject applicants who
have serious pre-existing medical conditions that may be acceptable
in other states who allow a longer exclusion rider period. If a
medical condition is accepted with a one year rider the preexisting
condition must be covered after the one year period by all Michigan
Health Insurance companies who provide individual health insurance.
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. Because of this,
Michigan Health Insurance companies offering individual health
insurance policies will not cover an expectant parent even though
they may not be married or the company does not cover maternity.
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.
Michigan HMOs are required to offer their policies during a one
month open enrollment period of their choosing regardless of
preexisting medical conditions. They are not required to offer
prescriptions with their healthcare plans.
Group Medical insurance in Michigan must accept all pre-existing
medical conditions with the following provisions. A Michigan Health
Insurance Company can impose an 18 month waiting period for
pre-existing medical conditions if the employee was not previously
covered under another plan within the previous 63 day period. Under
the new Michigan small group reform act, 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 $10 a
month (rates as of November 2010). 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
BCBSM also provides a guarantee issue
Medigap insurance policy
(Medicare Supplement Insurance) for anyone who is on Medicare Part
and Part "B".
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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