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Michigan Health Insurance
Healthcare insurance costs continue to grow in Michigan, as with the rest of the country. This growth in costs hits individual policy holders in particular. High premiums can eat into an individual or family budget. However, many feel that having health insurance is a requirement for not only medical reasons, but for peace of mind. If you are an individual healthcare insurance policy holder, it is important for you to understand your rights as a policy holder and to know if the state of Michigan can provide you with any assistance for your healthcare needs.
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More About MI Health Insurance
Michigan's Individual Insurance Policy Regulations include:
- Residents of Michigan can be turned down for individual health insurance from any insurance company except Blue Cross Blue Shield of Michigan.
- Newborns are covered for 31 days under their parents' policy.
- Disabled children may continue to enjoy coverage under their parents' policy after reaching majority.
- Blue Cross Blue Shield of Michigan cannot increase your premiums due to your health status or your age. Other insurance companies can vary their premium rates.
- Insurance companies that offer individual policies can only cancel your coverage if you have not been paying your insurance premiums.
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Healthy Kids offers healthcare assistance to pregnant women and children under the age of 19. Coverage for pregnant women includes prenatal checkups, delivery, and hospital care. Members can also take classes on child birth and child care. Children's coverage includes prescriptions, hospital care, check-ups, and physical therapy. The combined income of the families of children and pregnant women are taken into account when determining eligibility.
MIChild offers coverage for services including checkups, hospital care, and prescription drugs for children under 19 from low income families.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
