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Michigan medical insurance: self employed
What is the best health plan
for me?
Being self employed and buying Michigan medical insurance
can be a confusing experience. Although there is no one "best"
plan, there are some plans that will be better than others for you and
your family's health needs. We will try to guide you in simple terms.
However, rather than just giving you answers, the best thing we can
do is to make sure you are equipped with the right questions.
There are three major things to consider buying Michigan
medical insurance, each with their own unique set of questions. By considering
the questions thoroughly, you will arrive at the right plan for you
and your family.
How affordable is the care
(cost of care)?
- How much will it cost me on a monthly basis when I buy major medical
insurance?
- Should I try to insure just major medical expenses or most of my
medical expenses?
- Can I afford a policy that at least covers my children?
- Are there deductibles I must pay before the major medical insurance
begins to help cover my costs?
- After I have met the deductible, what part of my costs are paid
by the plan?
- If I use doctors outside a plan's network, how much more will I
pay to get care?
- How often do I visit the doctor and how much do I have to pay at
each visit?
Do the included services match my needs (access of care)?
- What doctors, hospitals, and other medical providers are part of
the major medical insurance plan?
- Are there enough of the kinds of doctors I want to see?
- Where will I go for care? Are these places near where I work or
live?
- Do I need to get permission before I see a medical specialist?
- Are there any limits to how much I must pay in case of a major illness?
- Is the prescription medication which I need covered by Michigan
medical insurance?
- Does the plan cover the expenses of delivering a baby?
Have people had good results when covered by a specific plan
(quality of care)?
- How do independent government organizations rate the different medical
insurance plans?
- What do my friends say about their experience with a specific plan?
- What does my doctor say about their experience with a specific plan?
The above guides are for informational purposes only and should
not be considered advice or counsel as to any particular individual
or family's situation for health insurance needs.
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