Best Health Insurance Agencies in Ann Arbor

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Can smoking lead your Ann Arbor health insurance premium to go up?

  Yes. Your health insurance rates in Ann Arbor will go up if you are currently smoking cigarettes, chewing tobacco, or snuffing. If you've just given up smoking, you may still be required to pay a higher premium since smoking frequently increases your risk of developing cancer and other diseases.

• What does a deductible mean in an Ann Arbor health insurance plan?

  A deductible is the amount you must pay out-of-pocket before your Ann Arbor health insurance plan will begin to pay for your medical expenses. This means that your health insurance provider will only cover a portion of your medical expenses after you've met the deductible up to the policy's out-of-pocket maximums. Additionally, aside from the deductible, you are required to pay a copayment for medical treatments.

• What benefits do high-deductible health plans offer in Ann Arbor?

  In Ann Arbor, high-deductible health plans offer more affordable premiums than other kinds of insurance. You will have access to medical cost discounts for a high-deductible health plan since insurance companies can arrange these discounts with medical providers on your behalf. Furthermore, a high-deductible health plan qualifies you for a health savings account, a tax-advantaged way to save for future medical expenses.

• What steps should you take if your Ann Arbor health insurance does not pay your medical bills?

  When your Ann Arbor health insurance doesn't pay your medical expenditures, you speak with your doctor's office to be sure the codes are accurate; if not, they will reprocess your claim. Another option is to contest the claim. Speak with your insurance provider directly. Lastly, if you cannot contact your insurance provider, the insurance commissioner will advise you on your next course of action.

• What information appears on an Ann Arbor health insurance bill?

  The cost of each service, codes for the diagnosis and current procedural terminology, the total amount owed, and a list of services are all components of an Ann Arbor health insurance bill. It may also contain your name, the date of service, the name of your provider, and a summary of what the insurance covers.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.