Deciding on a plan level?

“My family doesn’t have a lot of doctor visits, and we’re fairly healthy. How do I know which plan to choose?” There are four tiers of healthcare coverage to choose from, and a few other considerations. Michigan is not part of the nation-wide exchange program, but we still have the same options as far as…

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Why are there so many plans to choose from?

“I thought with the Affordable Healthcare Act everyone would get the same healthcare coverage, and I wouldn’t have to worry about all the co-pays and premiums? Why do I have to choose?” There are a lot of questions to be answered for consumers about Affordable Healthcare. One of which is this. There are basic coverages…

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Is income protection insurance important?

Countless people use insurance to protect a host of assets, from cars to homes to jewelry. But many people forget to insure their most important asset — the ability to work and earn a living. As a recent Social Security fact sheet states, “Just over 3 in 10 of today’s 20 year-old will become disabled…

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You still have to buy health insurance

“I thought when Obamacare went into effect everybody would have healthcare coverage, regardless of their employer or their ability to pay. Why do I have to pay a fee or buy my own insurance?” The new healthcare law, which takes effect on January first is complicated, and there are parts of the law that people…

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What about pre-existing conditions?

There is a lot of information and misinformation swirling around about the “Affordable Healthcare Act,” which is due to go into effect on January 1st. Even if there were enough time to answer all of the questions people had about their health care insurance, there may not be a good answer. The Affordable Healthcare Act,…

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