Personal professional enrollment support is available for all of the benefit plans listed on this page.
Send your question by e-mail for fast OnlineAdviser response.
Limited telephone support (800) 609-0683.
Office hours posted daily on Twitter
@FreedomBenefits
Most Liberal Eligibility
Core Health Insurance
- the nation's most popular defined benefit health plans with guaranteed acceptance
from US Fire Insurance Company
Value 24 Hour Accident
- up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.
Value Emergency Room
- add $1,000 additional emergency room coverage for $1 per day for the whole family
Most Affordable
Secure Lite STM
- the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM
- $2 million maximum coverage for 1-12 months at an ultra-low rate
Value Med Insurance
- 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits
Long Term Major Medical
Celticare
- well-known renewable individual major medical insurance for
discriminating healthy applicants
UnitedHealthcare
- Golden Rule Insurance, a member of America's largest health plan
Dental Insurance
Secure DentalOne
- one lifetime deductible of $100 and then up to $1,250 per year coverage
Online Life Insurance
International Term Life
- up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US
QuoteIntelligence Term life insurance
- find the lowest rates, compare features &
eligibility requirements and then apply online with the
best insurance companies in less than 30 seconds.
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Michigan health insurance exchange
Michigan has 22
commercial
individual health
insurance plans and
49 small group
health insurance
plans as well as the high risk
Blue Cross Blue
Shield of Michigan health plans for
applicants who have
been denied
commercial coverage
due to pre-existing
medical conditions.
These standard
health insurance
plans may not be
affordable to all
residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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Michigan insurance & benefit news
Michigan had the 11th
lowest health insurance costs of all states in 2008 with an average family premium of $11,321 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 20th out of
the 51 states
(including DC).
Michigan regulates the benefits required for both
individual major
medical and group
health insurance
plans, known as
"mandated benefits".
Short Term Insurance
Markel Smart STM
- popular and affordable short term major medical insurance with fast online approval
Secure STM
- along with its 12 month and 36 month options, this may be the highest quality short term
coverage
Intermediate Term
Inbound Immigrant
- up to five years of liberal health insurance coverage after immigration including maternity coverage,
emergency and other essential benefits
Supplemental Insurance
Smart Accident Insurance
- supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
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Michigan Insurance Law
The
Michigan Department
of Insurance Web site contains
a link to the
complete text of the
state's insurance
laws and regulations.
The Web site also
lists the
insurance companies
that issue major
medical insurance but has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (877) 999-6442 or by mail at PO Box 30220,
Lansing MI 48909. The state children's health insurance plan (CHIP) Web site is
Michigan MIChild.
Non-insurance Discount Plans
Careington PPO Discount Plans
- the nation's leading network PPO discount provider allows a no-risk trial
of any discount plan for only a $20 processing fee
Rx Pay Card
- $10, $20, or $30 payments for hundreds of popular prescriptions.
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Michigan Insurance News
2/12/2011 With dozens of health plans
choices available online offering a wide range of pricing and benefits, how do
you find the best combination of price and benefits? Celtic Insurance realizes
that the choices can be overwhelming; the company offers more than 40 possible
health plan designs in many parts of the United States. A new feature called "Help
Me Choose" lets users easily and quickly select the benefits they value most
and narrows the list down to a few of the best choices. No personal information
is required other than zip code and date of birth.
12/16/2010 Michigan Department of Community Health
officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their
attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.
In its initial federal grant request for the insurance exchange project, the Department of Community Health
said that it would:
1) Conduct the appropriate research to determine those who are potentially eligible for the Exchange and to determine how the Exchange will impact Medicaid, other public programs, and other State health plans.
2) Determine how best to establish the American Health Benefits Exchange and Small Business Health Options Program (SHOP Exchange) in Michigan, considering the needs of and options available to individuals and small groups.
3) Implement a plan for stakeholder involvement to determine how Michigan will implement the Exchange.
4) Develop an initial plan for integration of applicable State and Federal programs and current State projects.
5) Develop a plan for a governance model and structure.
6) Develop an initial plan for how the Exchange will manage reporting, accounting, and auditing functions while maintaining transparency.
7) Review technical components and interoperability of technology embedded in existing State systems and plan for the introduction of possible new systems necessary to properly run an Exchange, and
8) Review and determine the necessary State statutory and regulatory changes needed to establish the Exchange options.
The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used
providing health benefits to the public. We proposed on the
Universal
Health Insurance blog that adequate commercial insurance sales systems are
already in place that could be modified in a public/private partnership to make
health insurance more affordable.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Michigan is now available at Freedom Benefits.
3/23/2010 Michigan and ten other states
including Alabama, Florida, Nebraska, North Dakota, Pennsylvania, South
Carolina, South Dakota, Texas, Utah and Washington will make a joint legal
challenge to the federal health reform bill on the basis that it improperly
usurps state sovereignty over health insurance and that requiring health
insurance is an illegal and improper government action.
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