Individuals, families, self employed and small business owners are having an increasingly difficult time finding
Michigan health insurance.
Those with pre-existing medical conditions have even more difficulty. There are a multitude of companies offering health insurance in most states and people without serious pre-existing health conditions should be able to find a health insurance plan to suit their needs and budget.
Michigan Group Health Insurance
Michigan Group Health Insurance is for businesses with 2 or more employees, which can include the owner of the business. Group health insurance is regulated by both the state and federal government. The
HIPAA act of 1996 determines eligibility in some cases and provides rules for individuals leaving a group plan. The group plans usually have more benefits than an individual plan because of federal requirements established by
the
ERISA
act of 1974 and HIPAA laws.
As long as an employer meets the criteria required by the
Michigan Health Insurance Company, they cannot be turned down for insurance nor can any of the employees be turned down.
Insurance companies can impose a pre-existing medical condition waiting period if the employee was without insurance for more than 63 days prior to enrolling or if the employee did not have insurance for an 18 month period prior to enrolling.
Individual Health Insurance
Michigan
When an insurance carrier advertises that they have group-like benefits, you should be very wary of the person presenting the plan.
Every plan may have some group-like benefits such as doctor co-pays, however individual plans seldom offer the benefits of a group plan. There are some important questions you should ask when purchasing
Michigan Health Insurance for yourself, family or as a self employed individual.
You can
see a list of these questions by clicking here. Companies can decline to insure you for individual health insurance in
Michigan if you have pre-existing medical conditions and are
not HIPAA eligible. There are state-sponsored plans available to cover those who are declined. To help you find the best health insurance company check out the complaint ratio. Click here for the instruction sheet on
"How to find an insurance company complaint ratio".
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Last Updated
December 17, 2010
