Category: Health Insurance

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.

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.

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.

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!

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.

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. 

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. 

You might need to visit your doctor if you want to get health insurance, but you do not necessarily have to have a diagnosis to qualify for health insurance. Many health plans, especially those offered through private vendors or exchanges, are "not-for-profit," which means that they are not required to make a profit for their investors. 

If you do not have any current health issues that would prevent you from obtaining health insurance and you plan to buy a plan from a non-profit organization, then you do not necessarily need to see a doctor. No, you can purchase health insurance from a private company as an individual. 

To purchase insurance from a public program, such as Medicaid, you will likely need to visit your doctor for a diagnosis. Some public programs do not require a visit to a doctor, but you will likely need to visit a doctor’s office to confirm that you meet the program’s requirements. For assistance, consult Bachmann Insurance Agency in Flushing, MI. 

How To Get Health Insurance

You may qualify for a reduced premium or no copayment or deductibles if you have a pre-existing condition. If your job provides you with health insurance, you can still buy stand-alone or "individual" insurance outside of open enrollment. 

Getting insurance as soon as possible if you are diagnosed with a chronic condition will help you get the best coverage and avoid any waiting periods. Some people may also need to shop around to find a plan that will cover their medication. You can also get a plan that will cover your medication if you have a specific plan that doesn’t cover it. 

Give Us A Call

You may need to see a doctor if searching for private health insurance. However, if you are looking for public health insurance, you may be able to get coverage without seeing a doctor. Health insurance comes in various shapes and sizes, each designed to suit the needs of a specific type of consumer. 

If having a pre-existing condition and seeking to buy health insurance, you will likely need to visit a doctor to get a letter proving that condition and/or get a "go-private" quote to help you purchase a policy.  Contact us at Bachmann Insurance Agency in Flushing, MI for health and other insurance-related advice. 

Many of us would be unprepared to cover a health emergency if we had to pay for it. Emergency room visits can be extremely expensive, just as routine doctor visits can be. Health insurance helps cover some of the cost of healthcare. This is a benefit that is helpful to both the young and the old. However, there are additional benefits as well. 

What is Health Insurance?

Health insurance or medical insurance, like any other insurance, is designed to offset or alleviate some of the financial strain of medical costs. This type of insurance is designed to cover or pay for a partial amount of medical costs. In other words, health insurance helps you manage or control the cost of healthcare emergencies and routine doctor visits. Health insurance usually partially covers preventative healthcare, screenings, vaccines, and check-ups. Most health plans have a network of doctors you can choose from. You pay a deductible/partial fee to see an in-network doctor. However, if you opt to see a doctor who isn’t in your network, you may pay more or your care may not be covered by your insurance. This means that you may be required to pay the full cost of your doctor’s visit. 

What are the Benefits of Health Insurance? 

The first obvious benefit of health insurance is financial. Health insurance makes healthcare much more affordable. Bachmann Insurance Agency is committed to helping Flushing, MI residents understand health insurance. In addition to the financial benefits, health insurance makes it easier to practice preventative health and get the help you need in the event of financial emergencies. Routine doctor visits with a personal doctor make it easier to manage your health and any unexpected health issues that may arise. Often, potential issues can be caught before they become serious. If you have questions about health insurance, give us a call. We’d be happy to answer all of your questions.

It is easy to be confused by the health care system, as there are so many different kinds of health care, and each insurance company has its own set of procedures. You may be wondering if you are using your health insurance properly and to the fullest. You may not even be wondering about that, and not know that you could use your health care to your advantage a little more.

At Bachmann Insurance Agency, we know how important health care is to every Flushing, MI resident. We want you to make the most use possible of your health insurance.

How to Use Your Health Insurance Policy

Every insurance company has a set way of doing things when it comes to taking advantage of your health care benefits. When you are enrolling, be sure that you make notes of what your benefits and limits are. Many plans will want you to use specific doctors, clinics, and hospitals.

When you go to the doctor or clinic, you will provide your insurance information. The first time, the clinic may take a copy of your policy card, or enter your information into their system.

This is the information that your doctors and practitioners will use to get paid. You may have a co-pay with your services. That means you may have to pay a nominal fee every time you go to the doctor, and your insurance covers the rest.

There is also a phone number on your insurance card that you can use any time you have questions about your health care.

Kinds of Health Care

There are a few different kinds of health care that you can choose from, depending on your budget. A fee-for-service model is typically the most flexible and allows you to choose your providers and doctors. A Health Maintenance Organization (HMO) will offer a co-payment system and covers preventive care such as cancer screening, vaccinations, cholesterol screening, and programs like smoking cessation programs. 

A PPO or preferred provider organization will offer co-payments as well, but also offers more options for clinics and doctors.

Talk to Your Insurance Company

There may be a lot of things included in your health care plan that you can take advantage of that you don’t know about. At Bachmann Insurance Agency, we want Flushing, MI to get the most out of their plan. Give us a call today and we’ll walk you through the process.