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
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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.
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
