Personal Health, Life, Dental

Health is important

There’s no need to figure out the ABC’s of individual health insurance when we have access to carriers for A-Z health plans. Our tenured agents will assess your individual needs and find the health insurance option that meets your current—and future—needs.

Individual

As far as individual health there are 2 types of permanent health insurance available in Michigan, PPO plans and HMO plans.

PPO plans offer a broader network of providers, whereas HMO plans have smaller networks, thus making the plans more affordable. Outside of Open Enrollment (Nov. 1 - Dec. 15), PPO and HMO plans are available for the following life events: Loss of health insurance, moving, getting married, having a baby and adopting a child.

Plan carriers include BCBS, Blue Care Network, and Priority Health.

Priority Health will connect you directly with their quoting system click here

Medicare

Looking to supplement Medicare? BHS Insurance has in-house specialists right at hand who are solely dedicated to helping you make a qualified decision on what plan to choose (to coordinate with Medicare and Part D).

Plan carriers include BCBS, Blue Care Network, Humana and Priority Health.

Please note: The actual Medicare enrollment is completed with Social Security.

Short-Term Health

Short-term medical plans are available for individuals losing coverage and are between jobs. These plans typically last 3-months, but can be renewed for an additional 3-months.

- Coverage protects in the event of a catastrophic event.

- These plans do not cover pre-existing conditions, medications, or preventative care.

Long-Term Care

Long term care plans can be tailored to fit one’s budget. Instead of purchasing a plan at $350/day—which is about the going rate for skilled nursing in Michigan—in coverage, your agent can help tailor a plan to cover half the cost per day. This not only helps keep the coverage, but it also reduces the gradual reduction of someone’s estate.

Plan carriers include Auto Owners

Long-Term Disability

Long term disability is a benefit offered once an individual has been deemed disabled and unable to perform the daily activities—with regards to employment. The shortest elimination period (wait on coverage) for benefits to begin is 30 days. These plans—like long term care—can be tailored to fit one’s budget.

Plan carriers include Auto Owners and Principle


Life insurance is a must to help secure your family or business in the event of an untimely death. Our agency represents many well-known and reputable term life companies. Based on your age, height, weight, tobacco use, medical, and family history, we can match you up with a company that will offer the coverage most well-suited for your needs.

Type of Life Insurance

Term Life - Term life insurance provides you with financial protection for a specific amount of time (i.e. 10-20 years).

Available Carriers

We have a variety of A++ carriers:

Banner Life

Cincinnati Life

Prudential Life

Trans American

VOYA Financial


Did you know? Dental insurance is considered the 10th essential health benefit required for all children under the age of 19. This coverage can be applied for anytime during the year, however there may be waiting periods to receive all of the benefits under the policy.

  • Preventative is covered up to 100% immediately after enrollment. However, there is a 6 month waiting period for Basic Services (fillings, crowns and sealants) and 12 months wait on Major Services (crowns and bridges).
  • Orthodontics is not covered.
  • Plan carriers include BCBS Humana and United Health One.

Our team understands that “one size fits all” is not an insurance option; we’d be more than happy to chat about your individual insurance needs.

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