Michigan Health Insurance

Are you looking for health insurance plans in Michigan? You’ve come to the right place. We’ll provide you with instant Michigan health insurance quotes from trusted providers. We’ll also give you information on how to save on your health coverage. Start your search by entering your zip code and read more on Michigan health insurance plans in your community.

Facts and Figures

Place in State
Health Report Card 30^th
Insured 1,174,770
Uninsured 134,700
Insurance
Carriers 10
Number of
Primary Care Physicians 20960
Number of
Hospitals 158

Breakdown of Insureds

Employer-sponsored health insurance 63%
Private plans 5%
Medicaid 16%
Medicare 16%

Insurance Carriers

American Medical Security
Assurant Health
Blue Cross Blue Shield of Michigan
Celtic Insurance Company
Golden Rule Insurance Company
Principal Life
Security Life
Unicare Health Insurance

State Health Report Card

There are 1.4 million adult smokers in Michigan, the population has decreased from 24.1 percent to 18.9 percent over the past ten years. In a single year, diabetes increased from 9.3 percent to 10.1 percent. There are currently 761,000 adults living with diabetes in the state. Over the last five years, obesity went up from 26.2 percent to 31.7 percent among adults. There are now nearly 2.4 million obese adults in Michigan. Violent crime has decreased from 554 to 490 cases per 100,000 population over the last five years. Children living in poverty went up from 13.8 percent to 20.4 percent in the past ten years.

Michigan Health Insurance Laws and Regulations

Michigan health insurance plans are required to be sold with a guaranteed renewability clause. With this, all policyholders can renew their coverage whenever they want to as long as they pay their premiums. Health insurers are also prohibited from canceling coverage based on the customers health status. When writing new Michigan health insurance plans, insurers can exclude coverage for a pre-existing condition. This period can last for as long as six months. However, when subscribers switch from one plan to another, they won’t have to go through another waiting period. At their discretion, most health insurers in Michigan can deny a customer’s application. This excludes Blue Cross Blue Shield; the company is required to accept all qualified applications. Premium rates in Michigan can never be based on the subscriber’s health status. However, prices can be affected by factors like age, sex, and family history. Small businesses with 2 to 50 employees are allowed to purchase a group health insurance policy similar to other small business health policies sold in the state. However, some conditions, like having a minimum number of employee participation and minimum employer contribution must be satisfied to maintain coverage. Michigan health insurance quotes for group coverage can vary according to the risk factors of its members. Small business group health plans cannot be cancelled or subjected to price increase based on the health status of the policyholders. Insurers in Michigan are not required to offer group health plans to self-employed individuals. Instead they can get individual plans, the premiums of which may be partially or mostly tax-deductible.

Heath Care Reform

With the new health care law, children under the age of 26 can choose to stay under their parent’s Michigan health insurance as long as they are not offered an employer-based health insurance. This provision enabled 2.5 million young adults to have insurance nationwide. In Michigan, 57,527 young adults have insurance coverage through this provision as of June 2011.

The new health care law allowed 90,917 Medicare policyholders in Michigan to receive a $250 rebate check to help with prescription drug costs when they fell into the Medicare gap in 2010. In 2011, 84,168 Medicare plan holders were given a 50% discount on brand-name prescription drugs covered by their plans when they hit the donut hole. An average of $582 per person or a total of $48,999,065 was saved in Michigan.

Previously uninsured individuals without health coverage because of a pre-existing condition can now apply for a Pre-Existing Condition Insurance Plan. This plan is available to U.S. citizens or legal residents with a pre-existing condition and have been uninsured for at least 6 months. In 2011, 789 individuals in Michigan have benefited from this new law.

When looking at Michigan health insurance quotes, applicants are assured that at least 80 percent of the price will go directly to health care services and other related improvements. A rebate or premium discount shall be provided if the minimum is not met. All private policyholders in Michigan will get greater value for their premium payments because of this 80/20 rule.

Preventive care services like immunizations, colonoscopies, mammograms, or annual wellness doctor visits must be included in all Michigan health insurance with no deductibles or co-pays. In 2011, more than 1.1 million Medicare subscribers and more than 1.8 million individuals with private policies received such services in Michigan.

Under the new law, insurance companies are no longer allowed to impose an annual dollar limit-a cap on the yearly spending for your benefits, or a lifetime dollar limit-a lifetime cap for spending for your covered benefits. This law frees chronically ill individuals like cancer patients from worrying about getting further treatment because of such limitations. In 2011, more than 3.5 million Michigan residents have benefited from this law.

If insurance companies want to raise their premium rates by ten percent or more, they are required by federal law to publicly announce and justify their actions. To guard against such unreasonable increases, the state of Michigan received a total of $5 million.

All fifty states receive increases in funding for community health centers under the Affordable Care Act. This will help construct new health centers, provide medical services to more patients, improve preventive and primary health care services, and fund infrastructure projects. In Michigan, 184 community health centers received a total of $46.2 million to fund these improvements.

In 2010, the Affordable Care Act created the Prevention and Public Health Fund. This new fund was created for wellness promotion, disease prevention, and protection against public health emergencies. Michigan has already received a total of $22.8 million to support its policies, programs, and communities to help its residents lead healthier lives.

State Government Insurance Programs Offered

Blue Cross/ Blue Shield of Michigan (BCBSM)

888-642-2276

Blue Cross Blue Shield of Michigan offers coverage to individuals who were denied health insurance due to a serious medical condition. The plan covers comprehensive benefits for inpatient and outpatient care. A waiting period may be imposed. Eligibility: 1. Must be Michigan residents. 2. Must not be eligible for COBRA or other government-sponsored plans. During annual open enrollment periods, HMOs operating in the state are required to offer guarantee issue coverage to all residents.

Health Insurance Program for Michigan (HIP)

877-459-3113

This is a temporary high-risk pool program created to comply with the Health Care Reform Law and is operated by the U.S. Department of Health and Human Services. This program provides coverage for individuals with a pre-existing condition who have a hard time finding private coverage. Coverage includes a wide range of benefits which includes hospital care, primary care, specialty care, and prescription drugs. Eligibility: 1. Must be a U.S. resident living in Michigan. 2. Must be uninsured for at least six months. 3. Must have a qualified pre-existing health condition.

Medicaid

800-642-3195

Medicaid offers coverage to low-income individuals and families who cannot pay for their medical care. Applicants for this program should meet financial and other eligibility requirements. Benefits for this program include physician services, medical and dental check-ups, diagnostics, prescriptions, hospital services, hospice, dental care, family planning, maternity, prenatal, newborn care, drug and alcohol treatment, mental health services and many more. Eligibility: 1. Must be U.S. citizens or legal residents living in Michigan. 2. Must not exceed income limits: Pregnant women and children aged 0-1: 185% of the FPL. Children aged 1-18: 150% of the FPL. Medically-needy: Singles earning $341 to $4081 with an asset limit of $2,000; couples earning $458 to $5,411 with an asset limit of $3,000. Aged, blind, or disabled: 100% of the FPL with an assets not exceeding $2,000 for singles and $3,000 for couples.

MIChild

888-988-6300

MIChild provides health coverage to uninsured children belonging to the state’s working families. Covered benefits include hospital care, emergency care, pharmacy, regular checkups, shots, dental, vision, hearing, mental health and substance abuse services. Eligibility: 1. Must be U.S. citizens or qualified residents living in Michigan. 2. Must be children under 19 years. 3. Must be uninsured and ineligible for Medicaid. 4. Must meet income requirements: 150% to 200% of the FPL. There is a six-month waiting period for families who voluntarily drop employer-based comprehensive insurance.

Healthy Kids

888-988-6300

Healthy Kids provides health coverage for low-income pregnant women and children aged 18 and under. The plan offers comprehensive health benefits including doctor visits, hospitalization, surgery, medicine, dental, vision, medical supplies, immunizations, ambulance, laboratory and x-rays, home healthcare, hospice, nursing home care, and many more. Eligibility: 1. Must be U.S. citizens or qualified residents living in Michigan. 2. Must pregnant women or children under 19 years. 3. Must meet income limits of 150% of the FPL.

Breast and Cervical Cancer Control Program (BCCP)

800-922-6266

The Breast and Cervical Cancer Control Program is designed to keep treatment costs down and improve survival rates by identifying breast and cervical cancer in earlier stages. Services covered include cancer screening and follow-up care. Treatment is also included if necessary. Women aged 40 to 64 years: Breast and cervical cancer screening and follow-up for abnormalities. Women aged 18 to 39 years: Can avail of the benefits if identified with a cervical abnormality under the Family Planning program. Eligibility: 1. Must be living in Michigan. 2. Must be uninsured or underinsured. 2. Income must not exceed 250% of the FPL.

Women-Infant-Children (WIC)

800-262-4784

Women-Infant-Children (WIC) provides assistance for low-income pregnant, breastfeeding, and non-breastfeeding post-partum women; and children five years and below who may have nutritional deficiencies. The program offers offers free healthy food, supplemental food, nutrition education, health care and social agency referrals. Eligibility: The program is available to pregnant or post-partum women and children aged 5 years and below. Women and children must be residents of Michigan, must be at risk nutritionally or medically, must meet income requirements.

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