1)    Consult an unbiased licensed agent, representing some of the top Michigan health insurance companies.  By comparing quotes from a single provider, consumers have the advantage of comparing policies with a variety of benefits and premiums.

The Michigan health insurance agency, MichiganHealthandLife.com represents some of the most highly reputed names in health plans: Blue Cross Blue Shield, Aetna, HumanaOne and others.

2)    For an inexpensive Michigan health insurance policy, opt for a high deductible plan and a health savings account to offset extortionate premiums. These are often suitable when obtaining self employed health insurance quotes.

3)    Do not be misguided by the normal inclusions. Certain Michigan health insurance quotes tout the following benefits as extra benefits, when they are standard among all Michigan health insurance plans:

• Cancer screening
• Diagnostics for high blood pressure
• Diabetes testing
• Gynecological examinations
• Other preventative care

4)    Obtain Michigan health insurance quotes  as well as self employed health insurance quotes  for plans which reflect your health scenario. Although high deductible plans are generally inexpensive, some Michigan health insurance plans have a limitation of two annual physician visits. 

5)    By evaluating three to five different Michigan health insurance quotes and/or self employed health insurance quotes, consumers have a better understanding and opportunity to save premiums while selecting a policy conducive to one’s medical and financial situation.

6)    Prior to selecting a different Michigan health insurance plan or self employed health insurance quote, remember to peruse the fine print to understand any exclusions, deductibles, co-insurance and out-of-pocket expenses.

7) Please click on Michigan health insurance quotes  to begin your comparision shopping ofr Michigan health insurance.

Health Insurance Plans: My Blue plans are preferred provider organization (PPO) policies. These medical coverage programs come in three variations: Individual Care Blue Plus (sm), Flexible Blue II (SM) Young Adult Blue (SM) and Medical Plans. Each My Blue has specific terms, deductibles and premiums to meet various budgets.  (The My Blue Medicare plans are for people over the age of 65). The aforementioned policies are segmented according to: 

• Age
• Employment
• The individual’s current health status
• Other medical factors  

MyBlue benefits: All My Blue Plans include a $5-million-dollar lifetime maximum and other basic medical benefits: 

• Preventative care for a $500 maximum, per calendar year (with a 90-day waiting period)
• Diagnostic testing and hospital services
• Prescription drug coverage
• Dental care and Maternal care are add-ons  

Annual Deductibles / Out of Pocket Limits— With premiums starting at $183 per month for the Individual Care Blue Plus, individual policyholders can expect to contribute an annual maximum of $3500 in out of pocket costs. Nonetheless, the other My Blue plans offer lower and higher premiums with corroborating co-payments, annual deductibles. For instance, the Flexible Blue II (SM) monthly premium starts at under $60 a month, but requires hefty out of pockets costs.

Mike Novelli of Michigan Health and Life recommends that consumers create a list of their medical needs (prescriptions, average annual doctor’s visits, etc) to their budget.

Next compare the following costs and services:

• Doctor’s Visits
• Prescriptions
• Annual deductibles
• Maximum out-of-pocket expenses

Then be sure to compare Blue Cross Blue Shield – My Blue plans to other Michigan Health insurance quotes. For fuss free advice, dial 866.522.5953.