Health Insurance in Michigan

Your Michigan Health Insurance

Like most people in Michigan, you worry about your health insurance. Health insurance is not mandated in the state of Michigan, but some employers offer it. Health insurance coverage is vital, but many people have no insurance or are underinsured. Not having insurance or not having proper health insurance can cause you to avoid getting the healthcare that you need. It can also wipe out all your savings and even jeopardize your home if you are in an accident or have a lengthy illness. At Dalessandro Agency Inc. in Kentwood, MI, we have a knowledgeable team with years of experience, making sure that our clients have the finest health insurance available at a price they can afford.

When looking for health insurance, some crucial things have to be considered. The first question to ask is, can I keep my current doctors? When you have developed a relationship with a doctor, being forced to find a new doctor can be stressful and upsetting. Insurance plans provide a "Provider List," and you can check to make sure your doctors and your preferred hospital are on the plan. Another important consideration is the "drug formulary." Do the plans you are considering cover the prescription medication that you take? Different policies cover different drugs and also classify them into different tiers.

Beyond just the premium that you pay monthly, you need to know what the deductibles and co-pays are. High deductible policies are popular and cheaper than traditional policies. However, if your deductible is so high that you never get covered for any expenses, it is not going to make you feel very secure. You need to know that you can go to the doctor if you need to and that you can afford to fill your prescriptions.

Health insurance may not be required, but it is important none the less. At Dalessandro Agency Inc. in Kentwood, MI, we offered health insurance from several different companies, and we would love to sit down with you to discuss your needs. Give us a call or stop by and let us find the right policy for you.