Available in a variety of Michigan health insurance plans, selecting the right policy leaves many consumers baffled and quite often with unsuitable policies or none at all. Shoppers, looking for the most affordable monthly premium, usually end up with medical coverage, garnering too many out-of-pocket costs. An inflating unemployment deficit and uninsured setbacks, coupled with skyrocketing hospital bills continue to plague Michigan's financially distressed citizens.
Approximately, 47 percent of Americans don't understand their health insurance or the difference between co-payment, deductible, and coinsurance. The problem is that consumers shopping for Michigan health insurance are unaware of what they're buying. In the end, many are left to pay medical bills they thought their policy would cover.
Pregnant for the first time, Wanda Jones, 32 considered her bases covered when she became pregnant. The low premium medical coverage she purchased for her small business unveiled a few surprises. Despite a $2000 deductible, Ms. Jones learned that delivery would cost an extra $4000 at the hospital.
Market research shows that misconceptions about medical coverage are prevalent. "I find insurance literature too difficult to understand," states Ms. Jones. Facing childbirth as a single parent Ms. Jones, a 32-year old proprietor of a craft store based in Ann Arbor, said that deductible cost more than her total savings account. "My decision to raise a child on my own would have been different. I should have asked for more information about my insurance options," she concludes."
Mike Novelli, president of MichiganHealthandLife.com says that selecting the right Michigan health insurance plan has a lot to do with the broker selling the policy. If the agent neglects to disclose all the policy's details, there are generally going to be some surprises. He advises consumers to avoid unscrupulous brokers by obtaining quotes from an agent who vends an assortment of Michigan health insurance plans. He also recommends recognizing the following shortlist of ethical attributes:
- Thoroughly explains the terms of the policy (Compares options between deductibles, coinsurance and low cost premiums).
- Does not request an application fee. Quote for Michigan health insurance plans are free.
- Provides helpful, professional advice and never uses aggressive tactics to persuade you to sign up for a policy.
Author Resource:
For additional consumer information regarding medical coverage in Michigan, one of the best resources, featuring Michigan health insurance and free Michigan medical quotes is Michigan Health & Life .
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