Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

You can click the picture to get a health insurance quote for group or individual coverage.  We will help walk you through the Federally Facilitated Marketplace where you can see all the plans available in your area and get help from the Federal Government in the form of an Advance Premium Tax Credit.  You can also look at insurance alternatives like Medical Cost Sharing Arrangements located on another page when you click on the "Insurance" link at the top of the page.

If your income is above 400% of the Federal Poverty Level you may not qualify for premium help.  You can click on the Priority Health link and see what individual and family plans cost when you are paying the premium without extra help.
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(231) 932-1900
945 E 8th Street
Suite 1
Traverse City, MI 49686​
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