Category: Health Insurance

At Bachmann Insurance Agency, many of our customers have found that they need health insurance more than they realized. But when should you seek out Flushing, MI area policies for your needs? And which work the best for you? Read on to find out more about this vital fact.

When to Search for Policies

We typically suggest that you start searching for health insurance policies when you get over the age of 25-30, as it is at this point, many lingering health issues might start becoming more common. And if you already have some health concerns affecting you, it might be a good idea to look into a policy designed to meet your specific needs. In our opinion, it is never too early or late to start shopping for insurance. 

Plan Types to Consider 

Typically, insurance plans come in a few different varieties, which can be carefully chosen to meet your needs as a person. These options often create a network of providers where you can work and give you coverage that you need:

• HMO provides coverage for a specific area 
• PPO lets you use out of network care
• EPO requires you to work with a specific provider 
• POS requires referrals for many types of care 

The option you choose should vary based on your needs, including how much coverage you need, the type of health issues you may need to be treated, and other critical factors to consider for your treatment needs. 

We Can Help You

At Bachmann Insurance Agency, we serve the Flushing, MI area with high-quality policies that work for your needs. So, please don’t hesitate to contact us as soon as possible to get the insurance you need. We’ll work with your situation to give you the most comprehensive policy possible.

If you have used the US government website for shopping for health insurance, you probably noticed the short period of time during each year in which you can buy insurance. At Bachmann Insurance Agency serving Flushing, MI, we want you to understand that the open enrollment period applies whether you visit us directly or use the government portal.

US Congress set each year’s open enrollment dates in the law that created the health insurance portal. While the government created a fair method for each person to obtain affordable health insurance, it also included protection for the insurance industry. Providing an open enrollment period protects insurance companies from individuals who would only register for insurance if they fell ill and needed it.

Of course, since the same law created a mandate for employers to provide health insurance, it balanced that with provisions to protect employees. When an individual quits a job or gets fired, it triggers an exception to open enrollment. That lets the individual purchase their own policy to continue coverage, which saves them from paying for COBRA coverage, a traditionally expensive option.

Other exceptions to open enrollment exist, including the birth or adoption of a child and the need to move to a new area. If you must move to a new area for any reason, you can shop for new insurance since your existing policy may not have doctors or hospitals in the area to which you move.

Bachmann Insurance Agency serving Flushing, MI can help you find health insurance if you have experienced a qualifying exception. Otherwise, see us during open enrollment to find your new medical policy.

Are you ill, but you lack the funds to see a doctor? Have you ever been in a medical emergency and had to call for a fundraiser from family and friends to cater to your medical bills? If you’ve been through such cases, then you should have realized the importance of having some health insurance coverage.

The Bachmann Insurance Agency in Flushing, MI provides health insurance coverage that can take care of you during similar tough times. The health insurance coverage allows you to access health care within its network of healthcare facilities at affordable rates.

What’s the General Importance of Health Insurance?

Health insurance allows the policyholders to get care, which often leads to improved health outcomes, low death rates, and better productivity at work and in life. Lacking health insurance coverage puts your mental, physical, and financial health at significant risk.

So, what are the benefits of such coverage? Read on to get the insights!

Health Insurance Reduces Your Health Expenses

Health insurance coverage allows you to pay less when you access in-network healthcare provided by medical facilities designated and networked by your insurance company. You may also get cashless treatment if your medical expenses don’t exceed the coverage caps.

Health Insurance Coverage Protects Your Savings

A health policy from Bachmann Insurance Agency can protect you from draining your savings or selling your property to pay your medical bills. Even when you have to pay some out-of-pocket payments, there are chances of you getting reimbursements.

Health Insurance Gives You Better Preventive Care

Michigan residents with health insurance plans are likely to get free yearly checkups and diagnostic tests that may detect serious medical problems and get them treated before they can worsen. Such policyholders may also get free vaccinations, screenings, lab work, and some diagnostic tests.

Health Insurance Covers Can Take Care of Medical Emergencies

Health insurance is vital in maintaining your good health, and it can help in cases of accidents where the costs of treatment are way beyond what you can afford.

Get Health Insurance Today

Health insurance coverage from Bachmann Insurance Agency in Flushing, MI is suitable for your mental, physical, and financial health. Call the agency today or visit our website to learn how to benefit by getting one of our health insurance coverage plans.

Living life without health insurance is dangerous. If an illness or injury were to happen suddenly, you’d need medical care, and that could bankrupt you if you don’t have health insurance. For this reason, the team at Bachmann Insurance Agency has put together a list of three tips that will help you buy a new health insurance policy or upgrade to a new one. Read on to learn more:

1. Work with a Reputable Agent Serving Flushing, MI

The first thing you should do is call Bachmann Insurance Agency to speak with a reputable agent who will walk you through the health insurance buying steps. These individuals are standing by to take your call today and make sure you get the policy you want at a price you can afford.

2. Compare Many Quotes

Your agent will ask you a few questions – your age, current health status, budget, number of dependents – to garner what type of policies you should review. Together, you will go over a few policies to compare coverage and cost. This is the time to ask questions, clarify anything you don’t understand, and make an informed decision. However, there is no hurry, and you can take as much time as you need to make a choice. 

3. Bundle Your New Policy

Once you’ve chosen a health insurance policy that works for you, consider bundling it with your other policies to save on your premiums. You can bundle your home, life, auto, or any other insurance policies you may have.

To learn more about health insurance, contact us today to get started toward a life of peace of mind and great health for your lifestyle in Flushing, MI. We can be reached at 810-230-1375.