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Bob Harrison

Independent Insurance Agent

Providing health insurance for individuals, families, groups and self-employed

Call today at (248) 349-5370

Our Health INSURANCE page provides INSTANT QUOTES  600 + quality plans.



Businesses Save up to 40% with our Health Plans

--Your Rights under Michigan Health Insurance Law
--Where to find more information on Health Insurance in Michigan
--Articles on Healthcare
--How to find Insurance company complaint ratios
--Health Insurance Company complaint ratios
--Important questions to ask when buying Health Insurance
--State of Michigan Insurance Company Complaint Information
--National Insurance Company Complaint Information from NAIC

Call Toll Free-1-800-889-2659
28004 Center Oaks Court · Suite 205 · Wixom, MI 48393

Your Rights under Michigan Health Insurance Law

(Copyright 2008 All Rights Reserved)

The only guarantee issue health insurance or medical insurance policies for individuals in Michigan are from Blue Cross Blue Shield of Michigan. They provide a variety of plans which may or may not cover doctor visits or prescriptions. BCBSM can 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 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 Michigan health 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.

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.

Michigan HMO’s 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 health 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.

Low income families can purchase Michigan health insurance for their children from the Michigan MIChild or Wellchild program for $5 a month. Expectant single mothers of low income also can qualify for maternity coverage under this program. They can be reached by calling 1-888-988-6300.

BCBSM also provides a guarantee issue Medigap insurance policy (Medicare Supplement Insurance) for anyone who is on Medicare Part A and Part B.

(Copyright 2008 All Rights Reserved)

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Where to find more information on Michigan Healthcare and Health Insurance

If you would like more information on healthcare you can go to the U.S Agency for Healthcare Research and Quality at

For a complete review of Michigan Health Insurance guidelines for Michigan Individual Health Insurance, Michigan Group Health Insurance, Cobra guidelines and more you can 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

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As a Michigan Health Insurance Agency we license with many of the Insurance Companies in Michigan and most U.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”.

We represent all the quality Michigan health insurance companies who have health care plans for 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 Michigan Individual Health Insurance, Family Health Insurance, or Self Employed Health Insurance, there is a Low Cost Health Insurance plan or Medical Insurance 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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