Health Insurance Plans

Health Insurance Plans Southeast Michigan | Beechtree Insurance Agency - health-plan-insurance-agentSimply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
 
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.
 
 

Individual Health Plan Options:

Individual Health Insurance (More than 6 months)

Get long-term insurance for you and your family no referrals. PPO and HMO plans are available. We will shop all the top rated carriers in your area and help you find the plan that’s right for you!
  • Self employed
  • Not covered by your employer
  • Working part time
  • Retiree not yet eligible for Medicare
  • Not employed and unsure when you'll get coverage

Short Term Health Insurance (up to 6 months)

Coverage starts as early as the next day; you can keep a short term plan for up to 6 months:
  • Between jobs
  • Seeking a less expensive alternative to COBRA**
  • Waiting for employer benefits
  • A temporary or seasonal employee
  • A recent graduate about to start a new job

 Comparison Chart:

Cost Individual Health Insurance
More expensive than short term
Short Term Health Insurance
Less expensive than individual Health Insurance
What one is right for you?
Individuals and families who need health insurance for more than 6 months.
 
Examples:
  • Self employed
  • Not covered by your employer
  • Working part time
  • Retiree not yet eligible for Medicare
  • Not employed and unsure when you'll get coverage
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People in transition.
 
Examples:
  • Between jobs
  • Seeking a less expensive alternative to COBRA*
  • Waiting for employer benefits
  • A temporary or seasonal employee
  • A recent graduate about to start a new job
 
Length of coverage Renewability Permanent Guaranteed renewable.
 
6 months or less**
Not renewable. However, if your temporary need continues beyond your policy period, you may apply for a new plan (you may have to switch carriers depending on what state you live in.)
 
 
Application Applications are fully underwritten. Online or paper applications are available Simple application with yes or no questions. Coverage starts as early as the next day. Online or paper applications are available

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Individual Health Insurance More expensive than short term