Health Insurance

Health Insurance

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

BCBS/BCN direct connect: 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.

Priority Health Medicare Advantage plans: click here

Priority Health Dual Eligible Advantage plans: click here

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.

  1. Coverage protects in the event of a catastrophic event.
  2. These plans do not cover pre-existing conditions, medications, or preventative care.

Priority Health Short-Term Medical plans (up to 6 months): click here


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.


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

Have a question about Personal Health Insurance? We know that "one size fits all" is not an insurance option.

Learn Why Others Choose BHS