Individual Health Insurance in Michigan (MI)
More than 5.5 million Americans make their home in the Great Lakes State and another 78,000+ more are born each year. Unfortunately, 10 percent of the residents of Michigan are uninsured. However, with the number of choices available today in health insurance policies, there's no reason this number can't shrink down to zero.
Michigan Health Statistics
In Michigan, 14 percent of new mothers do not receive the prenatal care they need, ostensibly due to the lack of health insurance coverage. As a result, more than 10,800 babies are born with a low birth weight, almost 8 percent of all newborns. Another 12 percent are born prematurely. Without insurance, 19 percent of children under the age of 3 are not getting the immunization shots they need to stay healthy.
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Children, too, are suffering for lack of preventative care. Fourteen percent of kids between the ages of 10 and 17 are overweight and 39 percent did not make it to the dentist's and the doctor's office last year. Basic health insurance policies would help remedy these issues.
Health Insurance Needs In Michigan
Adults in Michigan would do well with effective health insurance coverage, too. Eight percent of adults are diagnosed with diabetes, almost 14 percent have asthma and 60.5 percent are overweight or obese. Smoking is a problem for 22 percent of Michigan's adults and 38.6 percent report poor mental health. All of these conditions can be life threatening if not caught early, monitored by a doctor and treated efficiently. Don't procrastinate another day: get your free health insurance quote now.
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Michigan Health Insurance Laws
Blue Shield of Michigan can not deny coverage to an applicant. Other insurance companies are allowed to deny coverage. If you are HIPAA eligible, Blue Cross Blue Shield can not impose exclusion periods for longer than six months. Check with your state insurance department for HIPAA eligibility requirements.
All other insurance companies can not impose exclusion periods longer than 12 months. Pregnancy qualifies as a pre-existing condition. There are regulations limiting premium increases with Blue Cross Blue Shield of Michigan. There are no limits for other insurance companies on premium prices. The state prohibits cancellation of your policy if you become sick.
Michigan Individual Health Insurance Companies
Aetna
American Medical Security
Assurant Health
Blue Cross Blue Shield of Michigan
Celtic
Fairmont Specialty Group
Golden Rule
Security Life
UNICARE
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