Michigan: Health Insurance Resources and Plan Alternatives

Updated on: September 28th, 2020

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Residents of the Wolverine State are now able to purchase quality health insurance plans available from Pivot Health. These plans, described below, offer Michigan individuals and families the ability to choose the benefit structure that best meets their insurance coverage needs and budget.

  • Short Term Medical Insurance – Also known as short term medical, or temporary health insurance coverage, this plan provides comprehensive benefits coverage for physician visits, in-hospital care, urgent care facility visits and much more. With no provider network restrictions, this plan enables insureds with this plan to seek treatment from any doctor or hospital to access benefits. Pivot Health’s user-friendly online application process means that you know within minutes of applying if you’ve been approved for coverage. Qualified applicants choose their coverage start date, which can be as soon as 24 hours after you apply.
  • Supplemental Insurance Coverage – If you find yourself burdened by your major medical insurance plan’s high deductibles or costly coinsurance rates, supplemental insurance coverage may provide you the financial support you need. The cash benefits provided by a supplemental coverage plan help you pay out-of-pocket medical expenses, such as insurance deductibles, copayments or coinsurance. The cash payments provide you the flexibility to decide how to use them – you may use the cash for any expenses you incur due to a serious illness or accident. Designed to work with your primary major medical coverage – whether you have an individual plan or employer-sponsored coverage – a supplemental insurance plan helps you protect your financial security from costly expenses related to medical care.

If you buy short term medical insurance coverage from Pivot Health, we also provide you with many additional non-insurance benefits, including:

Unlimited access to discounted telehealth doctor consultations.
Your time is precious – why spend unnecessary time in a waiting room? Instead, connect directly with a doctor at whatever time of day it works for you – telehealth is available 24/7. And, it saves money compared to a standard office or urgent care facility visit.
Savings on eye care and eyewear.
With discounts of 15 percent to 40 percent on eye exams, eyeglass lenses, frames for eyeglasses and contact lenses, it’s easy and affordable to maintain good ocular health.
Significant discounts on prescription drugs.
With the cost of prescription medications continuing to rise, you’ll enjoy savings of up to 75 percent on prescription drugs at thousands of pharmacies across the nation.

Michigan Health Insurance News: Fewer Uninsureds, Rising Premiums, Carrier Changes

A recent U.S. Census Bureau report, summarized by MLive, has highlighted several facts about health insurance coverage in Michigan. Since the Affordable Care Act (ACA) took effect, the rate of uninsured Michigan residents between ages 18 and 64 has decreased from 18.1 percent in 2010 to 8.6 percent in 2015. This is a lower rate than the national uninsured rate of 9.1 percent.

Much of the uninsured rate reduction can be credited to the ACA, plus a decrease in unemployment which has translated to more Michiganders participating in employer-sponsored health care coverage plans. More employers also are offering group health insurance options, driving up participation in those plans to 64 percent in 2015, from 59 percent in 2010.

One alarming trend is that the rate of working-age Michigan residents receiving Social Security disability insurance benefits through Medicare more than doubled from 2010 to 2015. Another concern is that the Census estimated that 57 percent of Michigan uninsured are adults with a job, and 32 percent have full-time, year-round employment.

In 2017, premium prices jumped 16.7 percent for health insurance plans sold on Michigan’s Affordable Care Act exchange. This is lower than the 17.2 percent increase insurers had requested, and is lower than the national average premium increase of 25 percent.

Most Michigan residents will see corresponding increases in their federal premium subsidies to compensate for the rising cost of their exchange plan. But for those exchange enrollees who do not qualify for premium subsidies, or for insureds who purchase plans off the exchange, this is a sizable rate adjustment.

Four insurers also withdrew their exchange plans in 2017 – Harbor Health Plan, United Healthcare, Priority Health Insurance and Alliance Health. Approximately 10,000 Michigan exchange enrollees were affected by the insurance carrier changes.

A Report on Michigan’s Well-Being

A recent Gallup-Healthways State of American Well-Being report examined how well-being varies by state. Michigan ranked 39th out of the 50 states, based on survey responses to questions covering different categories of well-being.

The state’s lowest category rankings appear to correspond with the rise in disability claims of working-age state residents, as well as the economic pressures of rising premium and health care costs. Residents in Michigan reported poor scores (ranked 42nd and 37th respectively) for:

Responses were minimally higher (ranked 34th, 35th and 35th respectively) in the areas of:

liking where you live, feeling safe and having pride in your community
managing your economic life to reduce stress and increase security
having supportive relations and love in your life

Rising health insurance premium rates, fewer carrier options, working adults still unable to afford health care insurance – all underscore the importance of providing Michiganders with a broader range of health insurance options.

Pivot Health offers choices that may help meet Michigan residents’ health coverage needs and budgets.

  • Pivot Health’s short term health insurance enables Michiganders to purchase comprehensive coverage at a fraction of the cost of major medical insurance coverage – with no provider network restrictions.
  • Pivot Health’s supplemental health insurance provides Michigan residents the opportunity to select insurance designed to provide financial protection against the coverage gaps of high deductible major medical insurance plans. This supplemental insurance – also called “gap” coverage – helps insureds pay for high deductibles, out-of-pocket costs, coinsurance, copayments, and other costs that they typically incur before their high deductible major medical plans begin to pay out benefits.

The State of Health in Michigan

The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Michigan an overall ranking of 29 out of 51 (the 50 states plus the District of Columbia).  This is the most recent version of the organization’s scorecard of its comparison for states in the U.S.  The Commonwealth Fund’s Scorecard rated Michigan in several areas, including:

  • Uninsured adults aged 19 to 64: 13th ranking (9 percent in Michigan, compared to the U.S. average of 13 percent)
  • Uninsured children ages 0 to 18:  3rd ranking (3 percent, compared to the U.S. average of 5 percent)
  • Adults who went without care because of cost in the previous year:  30th ranking (13 percent in Michigan, the same as the U.S. average of 13 percent)
  • Individuals under age 65 with high out-of-pocket costs relative to annual household income:  15th ranking (13 percent, compared to the U.S. average of 14 percent)
  • At-risk adults who did not have a routine doctor visit in the previous two years:  10th ranking (11 percent in Michigan, compared to U.S. average of 13 percent)
  • Adults that did not visit a dentist in the previous year: 12th ranking (14 percent, compared to U.S. average of 16 percent)
  • Adults with age- and gender-appropriate cancer screenings:  12th ranking (71 percent in Michigan, compared to the U.S. average of 68 percent)
  • Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects:  10th ranking (70 percent, compared to U.S. average of 68 percent)
  • Breast cancer deaths per 100,000 females: 40th ranking (22.4 in Michigan, compared to U.S. average of 20.6)
  • Colorectal cancer deaths per 100,000 people: 26th ranking (14.6 percent, compared to the U.S. average of 14.3 percent)
  • Suicide deaths per 100,000:  20th ranking (13.3 percent in Michigan, compared to U.S. average of 13 percent)
  • Adults who report fair or poor health or activity limitations: 33rd ranking (27 percent, compared to the U.S. average of 26 percent)
  • Adults who smoke:  40th ranking (21 percent in Michigan, compared to the U.S. average of 17 percent)
  • Adults who are obese: 37th ranking (32 percent, compared to the U.S. average of 29 percent)
  • Children (ages 10-17) who are overweight or obese: 34th ranking (33 percent in Michigan, compared to the U.S. average of 31 percent)
  • Percent of adults who have lost 6 or more teeth due to decay or disease:  22nd ranking (10 percent, the same as the U.S. average of 10 percent)

There were several positive ratings for Michigan in a number of categories:

  • Adults with a usual source of care
  • Children with emotional, behavioral, or developmental problems who received needed mental health care in the past year
  • Medicare patients whose health provider always listens, explains, shows respect and spends enough time with them
  • Hospitalized patients are given information about what to do during their recovery at home
  • A lower-than-national-average rate of hospital admissions for children with asthma

2017 Health Insurance Plans in Michigan

The Michigan Department of Insurance and Financial Services reported that the following health insurance companies were offering health insurance plans on the Michigan exchange in 2017:

  • Blue Care Network of Michigan
  • Health Alliance Plan
  • Humana Medical Plan of Michigan, Inc.
  • McLaren Health Plan Community
  • Meridian Health Plan of Michigan, Inc.
  • Molina Healthcare of Michigan
  • Physicians Health Plan
  • Priority Health
  • Total Health Care USA

Pivot Health offers in Michigan

  • Short term health insurance
  • Supplemental health insurance

Medicaid Enrollment in Michigan

On April 1, 2014, the Healthy Michigan Plan – Michigan’s version of the Medicaid expansion – took effect. Primary goals of the program have been to promote healthy behaviors, encourage Michiganders to take personal responsibility for their health and lead healthy, productive lives. The plan is unique from other states’ Medicaid expansion programs in a few ways:

  • Enrollees are required to schedule a preventive health visit with a primary care provider within 60 days of enrollment.
  • Enrollees must pay some level of cost-sharing (monthly contributions and copays) into a personal health savings account based on income.
  • Starting in April, 2018, participants who earn between 100 and 133 percent of the federal poverty level will be required to adopt healthier behaviors, or else they will be forced off the Healthy Michigan Plan, and be required to purchase their coverage under the Michigan health insurance exchange.

More than 600,000 state residents have enrolled in the Healthy Michigan Plan to date.

Your Health Care Coverage Choices

If you are a Michigan resident and do not have health insurance: Pivot Health’s short term health insurance offers you the choice of comprehensive medical coverage to meet your benefit and budget needs.

If you are a Michigan resident and have a high deductible health insurance plan: Pivot Health’s supplemental insurance can help relieve the burden of costly out-of-pocket expenses, such as deductibles, coinsurance, copayments and more.

Pivot Health: offering you choices and flexibility that pivot to meet your needs over time.

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