Unarguably, health insurance companies in Michigan are doing excellently well for the residents of the state.
A saying goes thus, a healthy state is a wealthy state” and this could be true for the state of Michigan. The last we checked, more than two million Michigan residents enrolled in Medicaid healthcare.
Also, a little over two hundred and seventy-six thousand buy themselves individual health care in Michigan’s healthcare marketplace. Over a million residents got their healthcare coverage from their employers.
Now, no law in Michigan state punishes you if you don’t have health insurance. Still, almost the whole population has gone out of their way to ensure their health. Talk about a state that takes its health seriously, talk about the state of Michigan.
Speaking of health insurance companies in Michigan, there are different types of them. And as they are different, so are their services.
Firstly there are some very affordable health insurance companies in Michigan and there are very expensive health insurance companies too.
However, being affordable does not mean they do not offer very good healthcare services to their consumers.
More so, aside from the privately-owned healthcare companies in Michigan, the government provides free and very low-cost healthcare services for families and individuals who can not afford to use the private healthcare marketplace.
Since 2013, more families opted for the free healthcare plan, and that has greatly reduced the number of residents without healthcare coverage in the state.
Health insurance companies in Michigan
Moving forward, we have listed some good healthcare companies in Michigan. Good here means, great services, affordable healthcare packages, and quality general healthcare.
Blue Care Network:
Blue Care Network of Michigan came out of Blue Cross Blue Shield health insurance company. The company provides its consumers the wellness and disease management services.
Also, their health care insurance package includes supplemental Medicare and indemnity. Blue Care Network works with about one hundred and thirty thousand hospitals and nineteen thousand primary and specialty physicians across the state.
It is among the largest Health Maintenance Organizations (HMO) in the state of Michigan. They also provide health care services to over seven hundred thousand residents.
Blue Cross Blue Shield of Michigan:
Blue Cross Blue Shield of Michigan is a non-profit company and independent licensee of the Blue Cross and Blue Shield Association. They offer a wide range of healthcare services to the residents of Michigan.
In 2016, the health care company received approval from the state government to offer forty-four health product options in the state.
Blue Cross Blue Shield offers the lowest priced Catastrophic health plan in about seventy-two counties in Michigan.
Oscar health Inc was created in 2012. It began selling health insurance in 2013.
Though it has its headquarters in New York City, Oscar has wide coverage in the state of Michigan. Its customer service and benefits are among the best in the state.
Though it’s still a start-up company, it provides health care services to a particular number of states in America.
In Michigan, Oscar health care provides health care plans in four different metal tiers which are: platinum, bronze, silver, and gold.
These plans come with specific rules like, as you pay for your medical services, you would reach your deductible and out-of-pocket maximum at the same time.
Furthermore, Oscar provides health care insurance that you can fully customize but it depends on the number of employees that they have.
Once you buy an Oscar health care plan, you will receive a welcome kit that includes policy benefits.
These benefits are gym membership repayment of $409 per year and up to $209 per covered spouse.
Additionally, Oscar provides you with a concierge team that will help with your insurance. They are a group of well-trained professionals who can provide you with on-demand help during emergencies, urgent hospital needs, find you doctors, and answer your questions.
HealthMolina was established in 1980. It is another good health care insurance company that offers health insurance coverage to individuals through government programs.
The government programs that aid the services of HealthMolina are Medicare and Medicaid.
Physical health plan:
Physical health plan company offers permanent life insurance coverages for their customers throughout the United States. They make this life insurance plan modifiable for anyone in need of it.
Life Insurance plans are lengthy plans that run for like 35 years and they will expire. At the end of the coverage, you might want to renew it or drop it.
Total Health Care:
Total Health Care offers plans for disease and complex case coverage for their customers with chronic diseases. They offer services that suit small businesses, large businesses, and individuals and families.
Total Health Care also runs a program called Smarter Health Wellness Programs. This program helps you stay as healthy as you should be.
More so, Total Health Care has a contract with the state of Michigan to provide patients with coverage through Medicaid and the state’s Child program.
They work with many pharmaceutical companies to provide pharmacy services.
UnitedHealthcare is a multinational health care insurance company and number eight in the world for largest health care company.
It was established in 1977 and has a market capitalization of $400.7 billion. UnitedHealthcare provides commercial group insurance across the United States. So, the company has an HMO plan with access to specialists and out-of-network coverage.
McLaren Health Plan:
Mc Laren Health Plan has been operating with license under the state of Michigan Health Maintenance Organization (HMO).
It has been in business since 1998 and now, providing health coverage for two hundred and sixty thousand members.
In 2015, McLaren Health Plan was given the license to operate and serve every county in the lower arm of Michigan state.
Furthermore, McLaren received the pinnacle award in 2013. This award was from the Michigan Association of Health Plans.
More so, the company offers the following services:
Large group health plan: Has to be purchased directly from the company. They have plans made for employers with fifty and above employees.
Small group health plan: you can purchase directly from McLaren Health plan. It was made for employers with fifty or fewer employees.
However, McLaren health insurance plans provide fully-insured plans for small groups on the Health Management Organization (HMO) platform.
Health advantage: This plan makes the employer responsible for the cost of claims, using a third-party administrator to process the claims.
McLaren Medicare: With this, you have access to hundreds of qualified doctors, hospitals, and caregivers to choose from.
Medicaid: This plan is partly sponsored by the government of Michigan state. The plan is mainly for the blind, aged, disabled, and children.
Medicare supplement: The Medicare plan covers all or part of your deductibles and coinsurance.
Healthy Michigan: provides health care benefits to eligible Michigan residents aged 26 – 64 at a very low cost.
Meridian offers plans through Medicaid. That is, they provide government-based health plans for their consumers.
Priority health also offers government-based health care plans like Medicaid, MIChild, and a host of other plans. These plans are made affordable just for everyone to fit into it and be carried along.
Health Insurance Michigan
The healthy state of Michigan has lots of companies working with the state to keep the residents fit and healthy.
Firstly, most of the privately-owned health insurance companies are now linking up with the state to make healthy living easier.
Again, these companies have reduced the price of health care coverage to the lowest for the benefit of the people.
Also, the bonuses that welcome you once you enroll can be very encouraging. Health insurance in Michigan is very beneficial because they are all working towards the good of the people.
However, before you choose a health insurance plan, you should be aware that your age determines the cost of health plans.
Meaning that, as you get older, your premium place becomes more expensive. Then you decide on your location because, even though it’s still the same state, prices of health care plans vary in counties.
So, from your county, you can now look around and pick an affordable and quality health care insurance plan. One that has benefits attached to it, a working coverage for you.
As you know, health plans are bought in metal tiers like Catastrophic, Gold, Silver, Bronze, and Platinum.
Gold and platinum plans have higher and most expensive monthly premiums but the cheapest out-of-pocket expenses like deductibles.
Silver plans are perfect for you if you can’t afford the all high expensive plan. It has affordable premiums and out-of-pocket costs are very low.
Bronze and Catastrophic plans have the cheapest monthly health plan rates. This is the most preferable plan for you if you are still young and healthy. However, the catastrophic plan can not be accessible for anyone above thirty years.
In 2022, almost all the health insurance plans in the state of Michigan decreased by 2%.
By the way, you can still go for the short-term health plan but like the name, it will even vanish before you blink again and exhale.
In essence, short-term plans provide coverage for just one hundred and eighty days and in Michigan, renewal can be prohibited.
However, you have to enroll with a different health care provider in other to purchase another one. Again, short-term plans do not cover most of your health needs.
Free health insurance in Michigan
The state of Michigan provides free health care insurance plans for its residents through Medicaid and Medicare. However, you have to enroll and become eligible before you can access the services.
If you want to enroll in the government’s free health care plan, you have to go through HealthCare.gov. The plan can cover both families or individuals who are retired, unemployed or broke.
Medicaid is a health plan coverage jointly managed by the federal and state government. The program aims to provide free or very low-cost plans for low-income families and individuals. Medicaid is also for good for pregnant women, children, the elderly, and the disabled.
Firstly, for you to enjoy this free medical health care plan, you have to meet some requirements
- Be a citizen of the United State.
- Apply in the state you live in and prove that you are broke.
You can apply for your free medical care through the health care insurance marketplace or you get it directly from your state Medicaid agency.
MIChild is a health care insurance program for children under the age of nineteen. This program is provided by the Michigan Department of Health and Human Services.
It was created for children that are uninsured because of their family’s low income. Also, it has a $10 monthly premium for all the children in one family.
A child benefits from this program by having vision, dental and mental health services once they enroll.
Medicare is another federal health insurance program for individuals of 65 and above. Also, Medicare was created for people with long-term disabilities.
Affordable Care Act
The Affordable Care Act(ACA) which is sometimes referred to as Obama Care came into existence in March 2010. This has helped lots of people to become more in tune with their health.
Also, it helped the state of Michigan record a very high drop in people without health care coverage. So, a lot of families and individuals that could not afford private health care insurance became and stayed insured.
With the affordable care act, you will be able to be in control of your health. Since they signed it into law, young adults can now remain on their parent’s plan until they turn twenty-six.
To conclude, health insurance companies in Michigan should be applauded for ensuring that they give their best to this state.
If not, how else can you explain the excellent and satisfying services they provide to the residents? How else will you explain the high average of insured people in the state even without any penalty for not being insured?
More so, the government of Michigan deserves an accolade too. This is for keeping a vibrant, health-conscious, and a healthy state. Like we said in the beginning, a healthy state is a wealthy state, and that state is Michigan.
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