Shopping for Health Coverage
It can be a challenge to find coverage that meets your health care needs and fits your budget. Health coverage that covers more tends to cost more. Before shopping, you may wish to visit the link “Health Coverage Basics for Michigan,” to learn more about different types of policies available to consumers, certain minimum coverage requirements and explanations of many key terms.
If you are shopping for health coverage, you may wish to contact an insurance agent for assistance or you may contact health carriers directly by phone or online.
FINDING AN INSURANCE AGENT:
HEALTH CARRIERS THAT SELL HEALTH COVERAGE IN MICHIGAN:
CONTACT INFORMATION FOR CARRIERS THAT SELL HEALTH COVERAGE IN MICHIGAN:
HMOs - Most HMOs that issue individual policies are required by Michigan law to annually hold an open enrollment period for not less than 30 days for eligible Michigan residents. The following two links would be useful for shopping for coverage from an HMO and HMO contact information is included: HMO open enrollment periods, HMO service areas.
Health Insurance Companies - The following is a list with contact information for all health insurance companies that are actively writing health coverage in Michigan. Click here for Authorized Major Medical Companies.
Blue Cross Blue Shield of Michigan - 1-877-4MY-BLUE or www.bcbsm.com.
OPTIONAL METHODS TO COMPARE HEALTH CARRIERS:
Private Rating Firms:
Contact information for some of the most popular rating firms is listed below. There may be a charge for some reports. Several of these rating firms publish books with their ratings, so you may also be able to find what you need at your local library. Before you rely on any report, make sure you understand the rating system because each firm has its own grading system. For example, one firm may use "A+" as its top grade, while another may go all the way up to "A+++."
A.M. Best Company
Fitch Investor's Service
Moody's Investor Service
Standard & Poor's