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Life moves fast, and it can change in a hurry. Most people review their home and auto coverage every year but forget to look at their health plan. Whether you need an individual policy, group coverage for your team, Medicare guidance, or long-term care, a local Top O' Michigan agent can help you review where you stand and what fits.
Life is constantly progressing and it can change very quickly. You may review your personal home and auto insurance annually but too often, people forget to review their health insurance programs. This can result in a gap in coverage that could potentially leave your family in financial distress. Don't let this happen to you or your family.
With the continuous changes in the health insurance industry, navigating through the legislation and evolving products can be a challenge. That is why it is important to sit down with a specialist who can help guide you through the complex health insurance world. Our insurance solution providers specialize in health insurance policies for individuals, Medicare supplements, long-term care, disability insurance, life insurance and group coverage for businesses.
Dig deeper into the coverage that fits where you are right now.
You can enroll in Medicare health and drug plans from October 15 through December 7.
For individual plans, you typically enroll during the annual Open Enrollment Period, or during a Special Enrollment Period if you have a qualifying life event like losing other coverage, marriage, a new baby, or a move. Employer/group coverage has its own windows. See HealthCare.gov for current dates.
Your premium is what you pay each month to have the plan; your deductible is what you pay before the plan starts sharing costs; and your out-of-pocket maximum caps what you’ll pay in a year. We help you weigh all three together — not just the premium.
That depends on the plan’s network and drug list. Before you choose a plan, we check whether your doctors and prescriptions are covered so there are no surprises later.
Yes. We help individuals and families as well as small businesses with group coverage, plus Medicare and long-term care — one local agent for the whole picture.
As you approach 65, Medicare usually becomes the focus. We can help you time the transition and compare Medicare Supplement, Advantage, and Part D options so your coverage and doctors carry through.
From individual plans to Medicare and long-term care, a local Michigan agent can help you see the whole picture.
