It can be a challenging task to find adequate yet affordable health insurance in Michigan. However, it’s easy to find and compare plans using our search bar. Simply enter your zip code, and you will immediately be shown numerous Michigan health insurance plans that are available for your location.
However, many of these plans can be expensive, as premium rates have increased by about 16.7% in the state. So it’s a good thing that there’s Medicaid, and the Medicaid expansion known as Healthy Michigan has reduced the uninsured rate by 39% from 2013 to 2015. Unfortunately, the recently-proposed changes to Medicaid requirements (such as a requisite number of work hours per month) may affect the current situation.
Medicaid & Low Income Health Insurance Michigan
This is the health care program designed to provide comprehensive health care services to people who do not have the financial means to obtain health insurance anywhere else. The qualified low-income adults and children can receive services through Medicaid health plans or fee-for-service. This fee-for-service option is when Medicaid pays for a service that isn’t covered by your health plan.
As a member, you won’t have to pay the full cost of the covered medical services. Still, a copayment may be required though this may be just a small amount. While you do receive a full range of health benefits, some of these benefits may not be covered if you’re older than 21. Other services may also need prior approval before you receive them.
This Medicaid expansion program offers a health insurance plan that covers all the federally mandated health benefits and a few other useful services as well. These benefits can be available to you at a very low cost.
These include hospitalization, maternity care, prescription drugs, lab services, rehab services and devices, and treatment services for mental health and substance abuse. This plan has a cost-sharing pay scheme, which means that as an enrollee you may have to pay copayments and in some cases contributions.
Some children may not be covered by adequate insurance because their families are unable to meet the income ceilings in Medicaid. However, Michigan residents age 18 and below can qualify if they have no other comprehensive health insurance and their family meets the more lenient income standards. The comprehensive coverage includes the essential benefits, as well as podiatry, chiropractic services, non-emergency medical transportation, personal care services, and private duty nursing. Inpatient and outpatient hospital services are also covered, and these include surgery.
The typical MIChild family only pays $10 a month in premiums, which makes the $120 annual premium among the most affordable health plans in the state. This amount is set, regardless of how many children you have in your family who are enrolled in this program. You also won’t have to pay copayment fees.
However, if you miss a payment and don’t pay on time, then you may end up losing your coverage. When this happens, you will have to reapply for MIChild coverage.
Health Care Coverage for People Impacted by Flint Water
Water from the Flint water system has affected the health of many in the state, so the Michigan state government has this particular program to help with the aftermath. If you’re already a Medicaid member, you may receive a letter from Medicaid about the additional services you may receive through this program.
If you’re not a Medicaid beneficiary, you can qualify if you’re under 21, a pregnant woman, or a child who was born to a mom who was served by the flint water system during a specified time frame. Your family income must also not exceed 400% of the federal level. This means that for a family of three, the income ceiling is $$83,120. For a family of four, the household income should be $100,400 or less.
If you or your children are accepted into the program, your benefits include doctor visits for checkups and shots, vision care, dental office visits, and services for behavioral health and nutrition counseling.
There are no payments required for this program once you get in. You can also apply for this program even if you already have another health insurance plan, although this other insurance must be used first.
Work-Sponsored & Small Business Health Insurance
You may not need any type of Medicaid insurance at all if you already have a health insurance plan through the workplace that offers all the essential benefits. A employer-sponsored insurance is much more affordable as employers typically pay for the bulk of the premium amount. In fact, the health benefits you receive are often touted as part of your compensation package.
This plan can cover the needs of your family. If you do lose your job, you can go through the COBRA program to extend the coverage for 18 months while you use the extension period to get a new job and a new health insurance plan.
The appeal of this plan is also because it keeps insurance carriers from denying you coverage due to a preexisting medical condition. The carriers can do this if you allow a lapse of coverage for more than 63 days. If the 18-month extension runs out before you obtain another work-sponsored health plan, you may want to think about short-term policies in the meantime to prevent the lapse in coverage.
Michigan Open Enrollment 2019 & Michigan Obamacare Insurance
The Michigan Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Michigan, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.