How to Choose the Right Michigan Health Insurance

Health insurance is one of the most important types of coverage to protect yourself and your family.  An illness can come on suddenly and you will want to make sure that you are able to get the best medical treatment possible without having to worry about spending your own money.  Michigan health insurance gives you the opportunity to get great medical treatment at a significantly lower cost.

Below are 3 important questions that you must be sure to ask before you sign up for a Michigan health insurance policy.  They will give you the best chance of finding the right policy for your needs.

What Does My Plan Cover?

There are 10 main components that your insurance plan has to cover in order to make sure that you are properly covered:

  1. Hospitalization Costs
  2. Emergency Services
  3. Maternity Care and Newborn Care
  4. Lab Tests
  5. Mental Health Treatment and Substance Abuse Treatment
  6. Pediatric Care (Vision and Dental Included)
  7. Outpatient Care
  8. Prescriptions
  9. Preventative Measures (Mammograms and Immunizations)
  10. Rehab Services

Whether you are getting a health insurance plan on your own or if you are getting coverage through your employer, make sure that you confirm that all of these factors are covered through your plan.

What Does the Plan Cost?

Health insurance will help you to save hundreds of thousands of dollars in the long run, though you will have to pay a monthly premium to make sure that you keep your coverage.  Since the main purpose of Michigan health insurance is to make sure that you don’t have to pay out-of-pocket, make sure that the plan is affordable.

Ask about the monthly premium that you will be responsible for and confirm any out-of-pocket expenses that you may be responsible for if your insurance does not cover every cost, such as copays, coinsurance, or deductibles.  The general idea is that the higher the premium, the less you will have to pay when you need medical care.

What are the Hospitals and Doctors?

Most Michigan health insurance plans include a certain list of hospitals and doctors that you can visit when you need medical care.  You will want to make sure that the professionals in the network are respected individuals that you will feel comfortable with.  You won’t want to be in a position where you go to visit a doctor outside of your network as you may have to pay outrageous fees out-of-pocket.