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Michigan Health Insurance
While not discussing our state of Michigan in particular, Yahoo just had an article about possible initial outcomes of Obamacare in Louisiana.
Again, many state are going to different outcomes as the law becomes to fully implemented. However, their were some statements made by BCBS of Louisiana that kind of stuck out to me.
“The rates for the oldest will decrease at the expense of the youngest, who will see an increase,” was a statement that was very interesting. It has been known that rates for younger ages were going to increase, but by how much remains to be seen.
Another note within the article has been the realization that rates would have to go up, due to the “many benefits” that are required in the law.
When you have time, make sure to check out the article as it gives a background into what a major health insurance company is thinking about the bill.
Working in the Michigan Medicare supplement arena, we are a huge fan of the Michigan Medicare Supplement High Deductible Plan F.
While the most popular plan within our agency is Plan G, Plan F sells quite a bit. In a nutshell, Plan F is the Cadillac plan that covers everything. High deductible F is the regular plan F, however just with a deductible of $2110.00 (2013).
After you pay your deductible of $2110.00, your plan turns into a regular Plan F.
Now what makes these policies really different is the premium. In Michigan depending on the zip code of the consumer, the difference in premium between a regular Plan F and High F could be over $100/month. We have seen seniors in the “big three” counties (Wayne, Macomb, Oakland) paying as little as $50.00 a month for a high deductible F plan (price could change based on the health of the consumer).
For a healthy senior in Michigan who can affordable the deductible ($2110.00), the Michigan Medicare Supplement High Deductible Plan F is a great plan. Contact us to learn more, or by phone at 586-604-9669.
For a long time in our state, Michigan life insurance for tobacco chewers has been limited. Even more, it usually led to a nicotine rating.
Things have changed with regards to products that are offered here. For chewers (no smoking), their are numerous whole life and term life plans that would accept a consumer with a standard rating. This has led to more consumers who realize that a better price is out their for their Michigan life insurance needs if they do dip or chew.
So if you do chew, their are ways to lower your life insurance rates. Contact us today to learn more about which life insurance plans are out their and how they can fit within your needs.