About Health Insurance in Michigan
At East Coast Health Insurance, we connect you with the great insurance companies in the state of Michigan. Residents of Michigan have access to a variety of plans from established organizations like Blue Cross Blue Shield, Aetna, UnitedHealth One, and Humana.
- Total Population: 9,785,300
- Total Uninsured Population: $6,618 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,959
- Average State Premium for Individual Health Insurance: $204
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Michigan
East Coast Health Insurance simplifies the process of getting a quote. Enter your zip code above to get started, or if you need extra assistance you can speak with one of our Michigan experts to find your best options over the phone at 888-803-5917.
Michigan Health Insurance Market & Laws
Michigan’s health insurance laws include several policies that work in favor of the patient and also the insurance companies. Guaranteed renewability works in the favor of the policy-holder, who can renew their same policy with the same insurer after their plan has ended. They also cannot have their benefits terminated if they become ill during the time they are insured, as a result of this provision.
Pre-existing conditions in Michigan are considered any diagnosis or condition for which you received medical care in six months before enrolling in health insurance. The insurer also has the option of applying an exclusion period, where they do not cover the medical expenses associated with the condition, for up to 12 months.
If you change health insurance carriers, you are allowed to use your previous coverage as a credit to pay for medical expenses for the pre-existing condition during the exclusion period. This is applicable as long as you have not had any breaks in coverage, violations of your policy, and have paid your premiums.
Insurance companies in Michigan are legally allowed to decline any applicant a health insurance policy. This is with the exception of Blue Cross Blue Shield, who is required by law to accept your application. They may not raise your premium costs based on how healthy you are, though they can be increased due to age. There are limits on how much they are permitted to charge, so it still remains within reason of affordability.
In the state of Michigan, all health insurance policies are required by law to cover the following services:
- Treatment of certain diabetes-related illnesses
- Maternity care during and after pregnancy
- Breast cancer screening
For further information on health insurance laws in Michigan, visit the Office of Financial and Insurance Regulation site.
1. Kaiser Family Foundation, “Michigan – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Michigan Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Michigan.html