Category: Health Insurance

Terms you need to understand before choosing health insurance

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At Vernon Agency in Flushing, MI, we aim to help our customers find the right health insurance for their needs and budgets. As an independent insurance agency, we can offer more choices than a captive agency. We work with several top providers to ensure we suggest policies that will work for you.

Understanding Health Insurance Networks

Every carrier has a network of medical professionals who have been contracted to provide services to the policyholders at a prearranged fee. This allows both the carrier and the providers to survive and is designed to provide affordable patient services. With some managed care insurance, you are required to choose a primary physician from their network. It is essential that you make sure your preferred providers are in the network to guarantee that you are covered.

Considering Health Insurance Deductibles

The deductible is the yearly amount you will need to pay before your health insurance starts to cover you. High deductibles offer the best rates, but you need to decide how much you can afford to pay before your coverage starts.

Understanding Health Insurance Copays

A copay is the amount you pay at the time of service. It is often different for each service.

Reviewing Health Insurance Formularies

The formulary lists the drugs covered by your carrier and policy. It is divided into tiers; the higher the tier, the higher the copay. If a generic drug is available, you will usually need to get it. However, not every drug is covered, so checking if you take prescription medication is important.

Our team at Vernon Agency in Flushing, MI, can help you choose the right health insurance. Call or stop by for a quote.

Choosing PIP Medical Coverage

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If you drive a car in the State of Michigan, you know that you’re required to carry auto insurance. Many car owners have questions about their auto insurance policies. If you live in the Flushing, MI area, our team at the Vernon Agency will take the time to answer your auto insurance questions. We’ve been working with clients in your area since 1960.

Choosing PIP Medical Coverage

If you get involved in an auto accident, there is a chance that someone riding in your car may become injured. According to Forbes, auto owners can select PIP medical coverage, which pays for medical expenses caused by a car accident. The PIP option will pay for those expenses whether or not you’re found to be at fault for the accident. The same policy option will pay for wages you can’t earn due to your injury.

According to the Michigan Department of Insurance, a new law requires insurance companies to provide information about PIP to their potential auto insurance clients. There are six potential insurance levels, and the level you choose will provide the highest dollar amount that your insurance company will pay because of the accident. Available levels range from $50,000 (for Medicaid clients) to $250,000. Clients who have Medicare A & B can opt out of including PIP coverage in their auto insurance policy.

Call Us Today for Your Appointment

You may have questions about the differences between comprehensive and collision coverage for your auto. Our agents at the Vernon Agency bring years of expertise to our discussions with clients. Clients in the Flushing, MI, area can feel confident when they purchase an auto insurance policy from our team. Call us for an appointment today, and let’s talk about auto insurance.

Is Drug Rehab Covered by Health Insurance?

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Congratulations on taking the first step by admitting you have a problem. However, it’s not as easy as just saying no. You may have to check into a drug rehab facility. Don’t let a lack of funds keep you from getting the help you need! There is a good chance that your health insurance may cover your stay in rehab.

Plans and Benefits

The three most common healthcare plans are Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point of Sale (POS). An HMO will allow you to choose your primary care physician. This is best suited if you are not seeking a specialist or healthcare provider outside your network. A PPO will allow you to see healthcare providers without any referrals inside and outside your network. These tend to have higher deductibles than HMOs, but you would have the option to see a specialist outside your network without a referral. A POS is much like an HMO; only you may be able to occasionally see a care provider outside your network in specialized cases. Take care to go over the details with your insurer.

What Sort of Rehab is Covered by Insurance.

You’d be surprised by the broad range of rehabilitation covered by health insurance. Your health insurance may cover whether you’re inpatient or outpatient and need counseling or maintenance medication. In any case, it’s better than the alternative.

Contact Vernon Agency in Flushing, MI

If you are in the Flushing, MI, area and need health insurance, please contact Vernon Agency. Our discreet, courteous, and knowledgeable agents will do all they can to help you find the policy that best suits you and your unique needs.

Navigating Health Insurance With Chronic Illness

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If you or a family member in Flushing, MI have a chronic health condition, choosing a health insurance plan can be challenging. Many patients with chronic needs require regular checkups and medication. Due to these higher care requirements, some insurers may not be willing to cover your needs. However, Bachmann Insurance Agency can help you find the best health insurance policy to suit your chronic care needs.

Managing Chronic Diseases

Thanks to the Affordable Care Act, insurance companies cannot deny you care or cap the amount of lifetime benefits you receive. Nonetheless, policies may differ, including deductibles and monthly premiums. It’s crucial to carefully examine the various health plans you’re considering, specifically which chronic diseases are covered and what procedures the plan will pay for if you need care. You will also want to check which prescription drugs your potential plan covers. If you require an expensive drug that a provider does not cover, it might be in your best interest to consider another plan.

In-Network Coverage

Another benefit of the Affordable Care Act is that no insurer can deny you coverage. However, you must evaluate other benefits, including premiums and deductibles, to determine which plan best suits your needs. If your condition is well-managed through medication, you may need a more comprehensive prescription coverage plan. Furthermore, it is essential to determine whether the doctors treating you are within the plan’s network. Seeking treatment outside the network can result in added expenses. Thus, it’s crucial to determine your healthcare needs before selecting a plan.

With your healthcare needs in hand, trust Bachmann Insurance Agency, serving residents of Flushing, MI, to find the best healthcare plan for your needs. Contact our office today to get started on finding the most economical plan for you.

Women’s Health Insurance Needs

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Navigating insurance needs for women in today’s world can be challenging. Here at Bachmann Insurance Agency, serving Flushing, MI, and the surrounding areas, we understand the unique health needs of women and are here to help you understand the insurance coverage necessary for you and your loved ones’ care.

Understanding Your Coverage

As with any insurance, coverage can change from state to state, making it crucial for one to understand the available insurance coverage in their particular area. This is especially true for women’s insurance. There are so many health screens a woman needs to go through during her lifetime, such as regular check-ups, preventive screenings, gynecology screens, and maternity care. With all these health screens, it is essential to understand exactly what one’s insurance policy covers and doesn’t cover. 

Maternity and Reproductive Health

As one can imagine, having the right coverage is crucial when it comes to having a baby. This is a life-changing event for women and having the right insurance plan will help relieve the stress during this exciting time for a woman. Especially if she is going through treatment to have a baby. During this time, our team can help clarify these aspects of your insurance plan, providing peace of mind during these important life stages.

Contact Bachmann Insurance Agency today!

If you’re interested in learning more about women’s health insurance options or need help evaluating your current coverage, we’re here for you. Bachmann Insurance Agency is dedicated to serving the Flushing, MI area, and we’re ready to help you find the right insurance solutions for your health and well-being. Contact us today to start the conversation and take the first step toward peace of mind in your healthcare coverage.

3 Common Types Of Health Insurance For Your Family Needs

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Health insurance has become increasingly important for all Americans today.  We all need a health plan to cover our expensive medical expenses.  It’s especially important to find one that meets your family’s needs.  Our insurance professionals at Bachmann Insurance Agency serving Flushing, MI could work with you in finding a suitable plan.

3 Common Types Of Health Insurance 

State Health Plan (SHP) PPO

In the state of Michigan, this is one of the common health insurance plans you could choose from.  The State Health Plan (SHP) PPO is administered by Blue Cross Blue Shield of Michigan (BCBSM) and covers your expenses for the treatment of an illness, injury, or disease.  It provides benefits if you choose to use in-network providers.

State High Deductible Health Plan (HDHP) with Health Savings Account

Another good option for Michigan residents is the State High Deductible Health Plan (HDHP) with Health Savings Account (HSA).  This plan offers a lower biweekly premium in exchange for higher deductibles and limits to your out-of-pocket expenses.  Along with a health plan, you’re also given a health savings account (HSA) that can be used to pay for eligible health-related expenses that your insurance can’t cover.  You could also use your HSA to cover your vision and dental expenses.

Healthy Michigan Plan

This plan is great for you and your family if you need low-cost insurance.  The Healthy Michigan Plan was created for Michigan residents who don’t qualify for Medicare or Medicaid programs and meet the low-income requirements.  The benefits found in this plan are available at a low cost and work well with your family’s budget.  You must be between the ages of 19-64 to qualify.

Contact Our Office Today

If you’re a Michigan resident struggling to find the right health insurance plan that meets both your and your family’s needs, you don’t have to struggle for long.  Contact us at Bachmann Insurance Agency in Flushing, MI to schedule an appointment today.

Michigan Health Insurance: Fact vs. Fiction

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Considering buying health insurance in Michigan? It is important to separate fact from fiction and to learn the essentials when it comes to getting the best health insurance coverage for you and your family. 

Bachmann Insurance Agency in Flushing, MI can help you choose the best health insurance policy for your needs. 

Facts vs. Myths About Michigan Health Insurance

Myth #1. – Health Insurance is Too Expensive

Many Michiganders go without health insurance because they believe they cannot afford it. 

Fact: A licensed health insurance agent can help you and your family find a suitable health insurance policy to meet your needs and budget.

Myth #2. – Individual Health Insurance Plans Won’t Provide Me with Adequate Coverage

Another reason people opt out of individual health insurance is because they don’t think they will get adequate coverage. 

Fact: Individual health insurance policies in Michigan can include the same coverage as those of large group health insurance plans. 

Experienced health insurance professionals can teach you about the basics of Michigan Health insurance for individuals, groups, and families. A knowledgeable agent can help quell your concerns and protect your health. 

Get Michigan Health Insurance Today

Now that you know health insurance doesn’t have to be as daunting as it seems, the next step is to talk to a licensed insurance agent and get a quote. Knowledgeable insurance agents can help you make the best policy decisions, choose the right add-ons, and even offer options for bundling your health insurance policy with other insurance plans like auto insurance, home insurance, or commercial insurance. 

Contact a licensed insurance agent at Bachmann Insurance Agency in Flushing, MI to get a free quote!

3 Tips to Get the Most Out of Your Health Insurance Plan

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You want to protect your and your family’s health and well-being. So you’re looking for health insurance that will protect you against major financial losses caused by a covered medical event. Residents of Flushing, MI can turn to Bachmann Insurance Agency for assistance in locating the best health insurance options.

Here are a few tips to help you get the most out of your coverage:

Conduct Policy Reviews on a Regular Basis

You may believe you understand your coverage, but policies can change. Make an appointment with your insurance agent for an annual policy review to ensure you understand what is covered. This way, you’ll know exactly what your insurance covers in the event of a medical or health emergency.

Take Advantage of Preventive Care

Even high-deductible policies typically cover preventive care screenings. This means you won’t have to pay for screenings like blood pressure, diabetes, and cholesterol checks out of pocket. To protect your health, these policies typically include flu shots and breast cancer screenings.

Keep An Eye Out For Perks

Some policies include benefits. Check with your insurer to see if you can get discounts at your local gym, for example. You may also be eligible for discounts on unnecessary procedures that improve your quality of life. Massages and LASIK surgery are examples of this. Talk to your Bachmann Insurance Agency agent today to ask about any potential perks.

Give Us A Call

Bachmann Insurance Agency in Flushing, MI has agents who can discuss all your health insurance needs and help you find the policy that best fits your needs. Contact us today to find out which policy is right for you.

Health Insurance Provides Affordable Care – Don’t Be Without It!

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We all know that accidents or illnesses can befall anyone, at any time, at any age. Make sure you have the health insurance protection you need to help with the expenses of such an event. The professionals at Bachmann Insurance Agency, serving the Flushing, MI area, can provide you with a quote for this important protection.

Here is a list of the services that are typically covered by a health insurance policy:

  • Behavioral health treatment
  • Chronic disease management
  • Emergency services
  • Inpatient hospitalization
  • Laboratory services
  • Maternity and newborn care
  • Mental health and substance abuse disorders
  • Outpatient ambulatory services
  • Pediatric services
  • Prescription drugs
  • Preventive and wellness services
  • Rehabilitative services

Health insurance protects you from unexpected medical costs that can arise at any time. Did you know that a broken leg can cost as much as $20,000 to treat? If you have a policy with a $1,000 deductible, you will pay that amount and the insurance plan will pay the other $19,000.

The cost of cancer treatments or other serious diseases can destroy your finances. Why allow that to happen? Health insurance can protect you from financial devastation.

Get Coverage For Your Health Today

Think of health insurance the same way you think of automobile or homeowners insurance. It offers financial protection in the event that some catastrophic event happens. While you will have a deductible to pay, health insurance makes it easier to pay for the portion of the bill you are responsible for, while enabling you to get the care you need.

Experts agree that health insurance is one of the most important coverages you can purchase. Don’t let mounting medical expenses ruin your financial future. Purchase health insurance today. Let the professionals at Bachmann Insurance Agency in Flushing, MI answer any questions you may have to get you started. Contact us today. We will be glad to help. 

Understanding managed health care

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One of the most stressful times of the year is when you have to choose your health insurance for the year. There are many reasons why last year’s choice isn’t going to be automatically renewed and all of them can cause tension. At Bachmann Insurance Agency in Flushing, MI we try to help our customers to make this important decision by providing them with the information that they need to make the correct choice. 

What is managed care?

Managed care is a way that healthcare is provided for individuals that are designed to manage cost and quality of care. An MCO (managed care organization) is in charge of negotiating with providers to determine the fee schedule for medical care procedures. Patients have varying degrees of flexibility when it comes to their own care.  

HMO

An HMO is a Health Maintenance Organization and is usually the most economical type of managed care, but is also the most restrictive. You must see providers on the network except in the event of an emergency if you want the care to be paid for. You need to have a PCP (Primary Care Physician) who is in charge of your care. Not only that, you need to get a referral from your PCP before seeing a specialist or getting tests done. 

PPO

A PPO is a Preferred Provider Organization that is the least restrictive of the managed health care plans. You don’t need a PCP and you don’t need a referral to see a specialist. You will pay more to visit a provider outside the network and your premium will be higher. 

POS

A POS is a Point of Service and is a combination of an HMO and a PPO. You have the flexibility of the PPO and the necessity of a PCP like an HMO. 

Give Us A Call

Contact Bachmann Insurance Agency in Flushing, MI when it is time to look for health insurance.