Our goal is to connect people with the best local professionals. We scored Flint Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
5454 Gateway Centre, Suite A, Flint, MI 48507
Call Show Number
Email Send Email
McCredie Insurance Agency, Inc., offers services to individuals, families, and business owners in the Flint metro. This firm provides a wide range of insurance coverages including life and health policies. It works with various insurance companies to provide a specialist for each of its client's needs. This company also offers other coverages such as aviation and condominium insurance. McCredie Insurance Agency has been in the business since 1919 and has grown to serve in 42 states.
G-3526 Miller Rd Suite B, Flint, MI 48507
Call Show Number
Email Send Email
Security First Benefits Corporation is an agency that offers health insurance products and Medicare plans to individuals and families in the Flint metro. The agency has partnered with more than 100 carriers, providing clients access to insurance from top providers. Individuals looking for protection can choose from traditional, federal, short-term, and travel health insurance products. It also carries supplemental health plans such as dental, vision, disability, critical care, and long-term care. The agency is associated with the National Association of Health Underwriters.
5151 Gateway Centre, #300, Flint, MI 48507
Call Show Number
Email Send Email
Total Benefit Systems, Inc. is a company serving clients in Flint and the surrounding areas. It has over 35 years of experience in the insurance industry and strives to provide its clients with the best policies by leveraging its relationships with insurance companies. Insurance products it offers include healthcare and individual medical plans. Carriers it works with include Humana, PriorityHealth, McLaren Health Plan, and Physicians Health Plan. It also works with The Hartford, Lincoln Financial Group, and MetLife.
5112 W Pierson Road, Flint, MI 48504
Call Show Number
Email Send Email
Brett Albert is a State Farm insurance agent who caters to residents and businesses in Flint and nearby areas. He offers a range of health insurance policies, including individual medical coverage plans, hospital income, and disability insurance. He also offers Medicare Supplement plans. In addition, the agent provides life insurance and coverage for automobiles, personal articles, and homeowners. Banking services, annuities, and mutual funds are also available. Albert, who is a Retirement Income Certified Professional, accommodates evening meetings by appointment.
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.
Health insurance premiums in Flint, and throughout Michigan, are among the lowest in the country. In 2021, the average benchmark price for premiums on health policies in the state is $347 per month, compared to the national average of $452 per month. The benchmark premium data is based on the silver plan, which has the lowest price.
Pregnant women, individuals under the age of 21, low-income families, adults over the age of 65, caretakers and parents of minors, childless adults eligible under the Medicaid expansion, and disabled and blind people are among the Flint residents who qualify for the Medicaid program for children and low-income adults. The income limits for each eligible group are different. For example, parents and childless adults can qualify if they earn up to 138% of the FPL.
Families affected by the Flint water system crisis are eligible for health insurance if they lived, worked, or received education or childcare in the affected area from April 2014. Pregnant women, children under 21, and children of women who used the system during this period may also qualify. This ensures that those most vulnerable to the health effects of the water crisis have access to necessary healthcare coverage.
Family Supports Coordination connects people who are eligible for health insurance as a result of the Flint water system problem with medical, social, educational, and other services. Supports coordinators assist families in developing a plan to meet their needs, such as scheduling appointments, obtaining lead screening, obtaining transportation assistance, and improving their emotional well-being. They connect families to educational resources and nutrition assistance in order to help them thrive.
The HMP, or Healthy Michigan Plan, is an eligibility category authorized by Michigan Public Act 107 and the Patient Protection and Affordable Care Act in 2013 to assist Flint residents in becoming eligible for health insurance. It began on April 1, 2014, with the goal of ensuring beneficiaries' access to quality health care, promoting healthy behaviors, and encouraging the use of high-value services.
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.
Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.
Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.
Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.
A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.
No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.
All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.
A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.
The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.
Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period.
Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.
It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.
Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.
Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.
In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.
The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.
The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.