Your Lansing Health Insurance Agency

Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.

There are several different types of individual health insurance. You can get fee-for-service, HMO or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.

The factors that help us determine what plan is best for you are:

How long you will need coverage for
If you have any pre-existing conditions
If your health history and build are such that you can qualify for individual plans with 'preferred' discounts
Whether you will need maternity coverage
If you want a plan to just assist with catastrophic bills or to also provide basic benefits

If you can call us with this information or fill it in on our online form we would be glad to get information to you on different plans to consider.

Blue Cross Blue Shield of Michigan:

Blue Cross Blue Shield of Michigan offers many individual plans to fit most any budget. The advantages of Blue Cross are:

You do not need to give them any private health information to apply for coverage
Your rates do not depend on your health status
Once you have met the pre-existing conditions waiting period they provide coverage for pre-existing conditions
It is widely accepted by a network of hospitals and health care providers.

Click the Blue cross logo below for information on the individual plans available. You will also be able to apply online with Blue Cross. Should you need any assistance through this process please call our office at (517) 482-1316.

Time Insurance Company - Assurant Health:

Time Insurance Company (Assurant Health) is one of the nation's leading providers of Individual Health Insurance. Their long term plans use the PPOM network that both Sparrow Hospital and Ingham Medical Center belong to, as well as about 80% of physicians and health care providers in our area.

Their short term plans are very popular and provide temporary coverage between 30 and 185 days for those who are in need of major medical coverage until group health insurance kicks in. Short term plans do not cover pre-existing conditions.

Click on their logo below to open a new page and research plans available and apply for coverage.