Category: Health Insurance

Where to Find Michigan Health Insurance

Michigan health insurance is something that you can apply for online and we do recommend this strategy, as shopping for this form of insurance via the World Wide Web will be very simple and straightforward. These days, most people do utilize the Internet in order to access the health insurance that they need.

After all, since many Michigan health insurance companies have websites which detail important information about policies and prices, it’s possible to gather tons of useful information online. In addition, most websites which offer health insurance also provide visitors with access to pricing information.

So, shopping for Michigan health insurance online from will be very smart and it will streamline the process of finding the ideal policy. It’s a three-step process which starts with reviewing the reputations of insurance companies. Finding insurance firms with strong reputations will be an excellent way to build a strong foundation. It’s pretty simple to do this – just do Google searches for customer reviews. It’s best to find two or three insurance companies with good reputations.

Next, visit the websites of the insurance companies that you’ve checked out. When you’re there, focus on determining a preferred level of coverage. Typically, larger insurance companies will offer more than one type of health insurance policy to clients. After all, these companies know that people have different health care needs and wants, as well as different financial circumstances. So, it should be possible to find a policy which is right for you.

Your budget is probably an important variable in terms of what you’ll choose, so compare the prices of policies that you are interested in by using fast, free quote apps.

Apply for a Policy Online

After checking out insurance companies, reviewing policy options and comparing prices, you should be ready to choose a policy which is perfect for your needs. Our shopping tips are designed to give you more power as a consumer and they will make it easy to find all of the information that you need. Without careful comparison-shopping, you may have trouble finding the right deal.

Once you’ve isolated an affordable policy with an appropriate level of coverage, you should be able to fill out an online application. This will be the most convenient way to apply and most insurance firms do offer this service to their clients.

The insurance company’s representatives will get in touch after they’ve reviewed your application. So, why not find the right Michigan health insurance policy for you today?

New Jersey Health Insurance and Obamacare

Say what you will about the Affordable Care Act, also known as Obamacare, but it has allowed many to have New Jersey health insurance who could not get it in the past. It has also forced unethical companies to behave in the best interest of its customers on some very important issues.

Adding adult children

If you have an adult child who is not yet 26 years old, it is possible to add him or her to your policy. It will cost you a fee, but it will allow them to get coverage they may not otherwise be able to obtain.  They don’t have to live with you. They don’t even have to live in your same city. It doesn’t matter if they are married. They can still go on your policy.

No one likes a surprise rate hike, but this was not uncommon before the Act. Now, New Jersey health insurance companies must obtain the approval of the state before they increase rates.  This is a great boon to consumers, who had no recourse in the past.

Overly-high executive pay used to rankle customers. But now, the Affordable Care act mandates that companies spend at least 80 percent of their premiums on medical services, not on executive pay or advertising for new customers. If they do not, they must pay any overages back to policyholders and some have been made to do so.

No denial of coverage for pre-existing conditions

One of the most frustrating things was to get denied coverage for what a company called a  “pre-existing condition. New Jersey health insurance now must cover patients with pre-existing conditions. This consumer benefit alone has made so many people happy.

Parents who have children with chronic illnesses were pleased to see that a new insurer is not allowed to refuse coverage for a child that has a chronic illness. That has saved countless parents thousands upon thousands of dollars.

Another questionable activity used to be the dropping of coverage for someone who got sick—or limiting the amount of benefit they could use for a specific ailment. Again, this is now illegal.

It is true that many New Jersey health insurance companies behaved ethically. But for those who didn’t, their rules and regulations changed to favor the consumer.

Many New Jersey people have benefited from the consumer-friendly legislation that has put insurance within reach of so many more people.