We know insurance isn’t your favorite thing to think about. However, having the proper insurance for your unique needs can save you from stress and financial hardship during some of the most challenging moments in life. 

We offer a broad range of policies that cover health, life, disability, and Medicare, as well as home, auto, employer-based, and general liability.  We believe the best kind of insurance is the one that’s in-force on the day you need it.

We work with you individually to identify any risks or exposure, then we turn to our trusted carriers such as Aetna, Blue Cross Blue Shield, Humana, Priority Health, HAP, & Goosehead to find you the most competitive rates. You’re likely to leave our office better insured for less, and we love that. Let’s get started. 

For individual plans in Michigan, you have two main options:

1. ACA Qualified Health Plan. This policy can be purchased during Open Enrollment or a special enrollment period.  - This is a permanent health insurance plan that typically includes doctor visits, RX, hospital visits, etc. (policy will not cancel unless premiums are not paid you choose to cancel the policy). To get started, fill out this form: See plans and prices.

2. Short-Term Medical. These plans are available all year. You can keep this coverage for up to 6 months. These are basic plans that are designed for temporary use and will not provide coverage for pre-existing conditions. Contact us to find the best plan for you.

3. Employer Plans. These plans are for groups with two or more employees that have payroll established. Contact us for the best plan.

Simply put, health insurance is protection against medical costs. Whether you need health insurance for yourself, your business, or your family, we can help.  Let’s look at 4 types of plans:  ACA plans, Group Insurance Plans, Short-term plans, Supplemental Plans, Medicare Plans and Vision/Dental Plans:

ACA plans

Affordable Care Act Plans: “Obamacare” These plans are for individuals and meet the requirements of the Affordable Care Act (ACA). Some qualified ACA plans offer subsidies to reduce monthly premiums and out-of- pocket costs. ACA Premium tax credit reduces enrollees’ monthly payments for insurance plans purchased through the Marketplace and cost-sharing subsidies reduce out of pocket costs such as deductibles, copays and coinsurance. We can help you enroll for a subsidized plan.

Group Insurance Plans

Employer Sponsored Plans: We offer employer-based insurance plans to small groups under 50 employees. This coverage can include group dental, vision, life and disability options.

Short-term Plans

Short Term Medical (STM): STM plans offer an affordable temporary solution when a life transition leaves you uninsured.  STM plans are active within 24 hours of applying and typically offer up to $2 million dollars worth of coverage per term.  In Michigan short term health insurance can only cover you for 185 days out of any 365-day period (6 months). Each carrier offers different options, and our skilled insurance agents can help you navigate what option is best for you. We have 5 top carriers for you to choose from: IHC Group, National General, Pivot Health, Priority Health and United Health Care

Supplemental Plans

Supplemental Plans: Supplemental health insurance is used to fill any coverage holes left by a health insurance plan. Supplemental health plans can cost as low as $1/Day and can cover some out-of-pocket expenses like high deductibles, co-payments, experimental treatments, lost wages and more. We offer many different types of supplemental insurance plans and will help you design a custom plan to meet your needs and budget:

• Accident Insurance: Pays cash benefit if you are injured in an accident.
• Critical Illness: Pays lump sum, tax free benefit for a critical illness such as cancer, stroke, heart attack and more
• Disability Insurance: Typically replaces 60-70% of your income if you are unable to work due to an illness or injury. Long and short term plans are available.
• Hospital and Doctor Indemnity Plan: Also called fixed-benefit insurance or fee for service insurance. This type of insurance pays you a set/fixed amount of money for specific services covered by the plan.

Vision/Dental Plans

Vision/Dental: Preventive, basic and major restorative dental plans available. Options are available for vision benefits from top carriers to help cover the costs of eye exams, glasses and contacts.

Term Life

Term life is the simplest and least expensive type of policy. Like all life insurance, a term life policy protects your survivor(s) a death benefit they can use to replace your salary, as well as to cover final expenses incurred by your death. It’s life Insurance with no cash value account that remains in-force until the term has expired or policy is canceled. Typical term lengths are 10yr, 15yr, 20yr and 30yr; the longer the term, the more expensive the policy is.  The policy premium will remain the same throughout the term and is more affordable the younger and healthier you are at the time of purchase.  A term life policy has only one function: to pay a specific lump sum to whoever you’ve designated, upon your death.

With some carriers, you can choose a Return of Premium option to get all or most of your money back in the event you out live your policy (Free Insurance is the best kind!) 

Whole Life

Whole life insurance provides permanent protection and offers a savings component called Cash Value that you can take loans or withdrawals from.  How it works:

• It lasts your entire life and pays a death benefit to the beneficiary you name and offers you a low-risk cash value account and tax-deferred cash accumulation.
• It provides a fixed premium that can’t increase during your lifetime as long as you continue to pay the planned amount.
• It provides you the option to receive dividends from your policy or apply them to reduce payments.
• Can be 5-15 times more expensive than a term policy for the same death benefit amount.

Universal Life

Universal life insurance provides permanent protection for your dependents and is more flexible than whole or variable life. How it works:

• It can last your entire life depending on how the premium payments are structured. It pays a death benefit to the beneficiary you name and offers you a low-risk cash value account and tax-deferred accumulation that you can borrow against.
• It allows you to earn market rates of interest on your cash-value account.
• It offers the right to borrow or withdraw from the policy during your lifetime. You can adjust your premium payments and death benefit at any point during the policy based on your financial situation.
• It allows you premium flexibility.
• It offers face amount (death benefit) flexibility.
• For people working with a financial advisor, a term life insurance policy combined with a separate investment account could produce better earnings.

Disability

When it comes to protecting your assets, one of the most important things you can insure is your ability to work and earn a living. You depend on your income to pay bills, to eat, and provide for your family. What if you get sick or injured and cannot work? You will need to be protected in order to maintain your standard of living.

Disability insurance allows you to pay your bills if you cannot work as a result of an injury or other illness. A disability insurance policy will pay a portion of your income, usually between 50%-70% percent.

Similar to life insurance, disability is purchased for a period of time, such as a two, five-year or to age 65yrs term period.  Benefits will only be paid if you become disabled during the term of the policy.

Medicare

Medicare Open Enrollment is a time when you can enroll in a Medicare Advantage Plan. Medicare Advantage plans are popular because they typically include Rx, Dental, Vision & Hearing, and can include over-the-counter spending allowances, free gym memberships, and more.

Fill out this form to find a plan that includes your doctors, hospitals and prescriptions.*

*(This form gives us legal permission to discuss specific plans and pricing with you.)

For more general information, fill out this form, or call us!

We can help you understand original Medicare and we also offer solutions to fill the gap out of pocket costs associated with your Medicare benefits. Additionally, we can assist with Medicare Advantage plans offered by the private insurance companies that we are contracted with to provide all your Part A and Part B benefits.

Generally, Medicare is available for people age 65 or older, younger people with disabilities, and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare is provided by the US Government and has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years.

For a full explanation of Medicare prices including Part A, B, and D, along with Medicare Advantage Plans, click here.

Supplemental Plans for Medicare

Long-Term Care & Recovery Care: Medicare doesn’t cover long-term care and offers very limited short-term home care. Once a person is discharged from a skilled nursing facility, they often need more care than what is provided by Medicare.

• Long-term care insurance can cover home care, assisted living, adult daycare, respite care, hospice care, nursing home, Alzheimer’s facilities, and home modification to accommodate disabilities. Like long-term care insurance, short-term care policies typically cover home care, assisted living and nursing homes when you can’t take care of yourself. But instead of paying for years of care, short-term care insurance, also known as recovery care, typically provides benefits for 12 months or less

Supplemental Plans for Medicare: While Original Medicare (Part A and Part B) covers many health-care expenses, it doesn’t cover everything. Studies show that those with traditional Medicare and no Medicare Supplemental insurance on average spent $8,115 a year out of pocket for healthcare. There are two great options to help gap the costs:

• Medigap Plans- These plans cover out-of-pocket costs not covered by original Medicare, such as co-payments, coinsurance, and deductibles. Medigap plans don’t offer prescription coverage. Consider purchasing a Part D Prescription Drug Plan to cover your RX costs.
• Medicare Advantage Plans- These plans replace original Medicare and can include routine vision, dental, hearing, and health wellness programs. Medicare Advantage can cost as low as $0 and may have also have a higher out of pocket costs than a Medigap plan.

Yes, there is a lot to insurance. That’s why we’ve got you covered. We love taking this off your hands and make it simple for you. Please give us a call.

Auto insurance in Michigan is expensive and complicated.  MI is a no-fault state and the only state that offers unlimited lifetime coverage for medical and limited non-medical coverage if you and/or your passengers are hurt in an accident. This coverage is called Personal Injury Protection (PIP).  

Starting July 2, 2020, Michigan law will require drivers to have more liability coverage, but will no longer require unlimited personal injury protection (PIP). Under the new law, drivers will have the ability to select the level of PIP coverage that fits their budget and their needs.

Drivers who have Medicare, or other Qualified Health Coverage that provides coverage after an accident will be able to opt out of PIP coverage.

This sounds like great news, and for some people reducing their limits may help reduce premiums, but it is also confusing and may leave you with financial hardship after an accident.  Call us for FREE ASSISTANCE with understanding your options.

Whether it’s for a home, a condo, or coverage for the belongings in your apartment, we can help you find a policy from a trusted company at a great price. 

Understanding your coverage is important and we will help educate you on important coverage options such as Water Back Up and Sump Overflow, Flood, Service Line Coverage, Loss of Use, Replacement Cost Vs. ACV and more.

Bundling your home and auto is one of  the best ways to save.  Let us help you find quality coverage at an affordable rate.