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Michigan Health Insurance – are you Covered? Health Insurance for Small Businesses
Posted by | Posted in Health Insurance | Posted on 31-08-2010
Individual Health Insurance:
Individual health insurance is coverage intended for one person. If you are self-employed or run your own business, you don’t have access to a group health insurance plan through an employer, and must purchase your own coverage from one of the many health insurance providers located in your state.
There are some pitfalls to obtaining your health insurance from the private sector. For instance, limitations exist that might make it difficult to derive guaranteed benefits from a private insurance policy as an individual. Private companies have a right to ask you for information regarding your current and past health, and are also allowed to reject you for insurance purposes based on your health status, or impose limitations on your coverage.
Blue Cross Blue Shield, on the other hand, is required by law to sell individual health insurance to any resident regardless of health status. This is referred to as guaranteed issue. They must also refrain from charging you more due to any current or preexisting conditions ¨C this is called community rating. HMOs are also required to sell health insurance to any individual during the 30-day open enrollment period that occurs each year.
Individual health insurance policies can vary depending on the company. There are no laws that force private companies to offer the same health insurance products so coverage plans from different providers can offer quite different coverage. But certain benefits for health insurance must be provided in the coverage, including mammograms and diabetes care.
For more info: Michigan Health Insurance
Watch the video related to health insurance
This clip aired on the Morning Show with Mike and Juliet. Watch this video and hear what this couple has lost due to poor health insurance coverage from Wal-Mart.
Help answer the question about health insurance
How does health insurance work in terms of payment?Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I'm confused.
There is not enough money nor is there enough doctors for all who he insist must be insured by force.
The Federal government (through Federal income taxes & Social Security taxes) ALREADY mandated all citizens with income pay taxes at least a portion of which funds Medicaid & Medicare, and of course Social Security…so the notion some (very inattentive) people have that the Health Bill is the "first time the Federal government has EVER mandated citizens buy something" is laughable…and the sad reality that there are States whose ATTORNEYS GENERAL are too dim-witted to realize that is just plain sad!!!
@Aprilmax010 Why do Americans come to Canada for care?? It happens both ways. And evidence shows that very little go to the U.S. for care from Canada. Google the study Phantoms in the Snow, which exactly looked at that topic. They concluded that very few Canadians go south for care, describing it as a tip without an iceburg.
I’m sorry but I am going to have to criticize this video on the grounds of BS. I grew up in BC Canada, and there is no way, NO way that someone who lived in Vancouver (population 578000) would go to the town Red Deer Alberta (population less than 100000) for treatment with a specialist. If she needed a specialist they would BE in VANCOUVER. This is absolute bullcrap and I am furious that someone is trying to pass this off as authentic.
@MadHabber93 If what you say is true then why do Canadians come to the USA for healthcare? It sounds like our government is putting some people on waiting lists. Even some famous people are coming to the USA for health care. Some people must be having some problems with the Canadian health care.
@NoNameC68 Yes, a *TRUE* conservative is for smaller gov’t. Problem is, as of this moment, there is NOBODY on the right who is actually for smaller gov’t and less spending–not a single member of Congress, and not even a presidential hopeful–nobody.
I agree they need competition–why do you think the private ins. industry has run amok with their fees every year and health care costs skyrocketing more than double what it was even 10 yrs ago? It’s got so bad, it’s literally “over-flowing” now.
@NoNameC68 Lastly, no, Bush was voted in because Gore was not “down-to-Earth” in his conversations with folks. Gore didn’t pass himself off as the “type you can sit down and have a beer with” like Bush did himself. Not saying Gore would have done a splendid job, but yes, from the such poor choice Bush was, we can only go by Bush’s record in office from 2001-2009 and not anyone else.
@portlanddem You might be right, but the people who voted for Bush because they were conservative were people who wanted smaller government. As I have said before, nobody really predicted how poorly Bush was going to do.
As for health care, I am against single payer system because it can be abused far too easily, there will be no competition to keep the system in check. Competition runs prices down, not up. Without competition, prices can be adjusted to anything.
@portlanddem Sorry if this is a few months old (written May of 2010)
“The director of the Congressional Budget Office said Tuesday that the health care reform legislation would cost, over the next ten years, $115 billion more than previously thought, bringing the total cost to more than $1 trillion. ”
@NoNameC68 I agree we need a military–I have no problem with that. Where I have the problem ( and millions of other folks do as well ) is when we use our military to invade a country that had NOTHING to do with attacking us.
We don’t invade another nation just to start a war. That is immoral and unjust, and a HUGE waste of taxpayer money.
@NoNameC68 It won’t even matter either way because I don’t think it would pass regardless. Well when it doesn’t pass, guess who is going to pay for my health care and the over 50 million other Americans who are without it?—that’s right, you. I have never used the ER to see a doc, but things are gonna change when this doesn’t pass.
Then when you get older, and get sick quicker and have your employer drop your health insurance, you would have wished differently back in 2010.