Health Insurance Michigan | individual and group insurance solutions

If your insurance company is giving you the run around regarding your Lap Band Surgery. You may still finance the surgery yourself. A good start is to contact Capital One Healthcare Finance. Visit their website to learn more about Lap Band financing. You can also call toll free 1-877-559-5050

For reference see the average cost below:

The Cost of Lap Band and Gastric Bypass Surgery

Lap-Band - $13,600.00
Gastric Bypass - $25,000.00
Sleeve Gastrectomy - $16,200.00

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Section 125 Plans, also known as Cafeteria Plans, came about through Congress in 1978 and are named after their Internal Revenue Code. Such plans provide an employee benefit plan under which the employee makes an irrevocable decision to forego a portion of future income in exchange for receiving future benefits not subject to income tax at reception date. Essentially, Section 125 plans are created using pre-tax dollars, enabling the employee’s dollars to stretch farther. The employer deducts the cost of the employee’s future benefits from present income as a business expense.

These Plans Usually Provide Three Options:

• Premium Conversion – employee contributes a proportionate share of the family health care costs with pre-tax dollars.
• Medical Reimbursement Account – employee is able to use a Salary Reduction Plan to pay with dollars on a pre-tax basis for medical expenses not covered by insurance; a separate medical reimbursement account is established for each employee.
• Dependent Care Reimbursement Account – employee is able to use a salary reduction plan to pay with dollars on a pre-tax basis for dependent care expenses.

Section 125 pre-tax plans offer an opportunity for employers to save on their health insurance costs. However, implementing and administering the plan can be challenging:

An office visit copay is the flat dollar amount that you would pay for a routine visit to either a primary care physician or a specialist, with coverage kicking in at 100% after the copay.  Most traditional, employer sponsored plans offer an office visit copay.  However, individual and family plans may or may not include office visits copays as part of the coverage.

SOME of the plans listed in your instant quote will not offer copays for routine office visits.  If you see “$0″ or “N/A” in the Copay column on your instant quote, then those plans will not have an office visit copay.  On plans with no office visit copay, routine office visits will typically apply to your deductible, and you will be responsible to pay the network-discounted rate for office visits until your deductible is met.  On some of the catastophic plan designs with no copays, routine office visits may not even be covered at all!

Carriers that do not offer office visit copays on their basic plan design will usually give you the option to add office visit copays for an additional premium.  Please remember that when you pay a copay on a PPO plan, your deductible IS NOT reduced by the amount of that copay.  Copay expenses, whether for office visits or prescriptions, are unlimited and never included in your PPO plan’s maximum out-of-pocket limit.

“Covered” means that the service is payable AFTER your deductible is met or it is payable AFTER a copay is paid.  A few services, such as State mandated preventive care services like immunizations, mammograms and prostate screenings, are covered without being subject to a deductible or a copay.  But many people mistake deductible expenses as expenses that are “not covered”.  For example, if your PPO plan’s annual deductible has not been met yet, a trip to the lab for bloodwork might result in a deductible expense, an expense that reduces your calendar year deductible, and you will be required to pay the network discounted fee for the blood test.  This service is considered a “covered” expense, even though you have to pay for it.  If the service is “not covered”, it will not reduce your calendar year deductible.

UniCare is a national organization dedicated to the delivery of quality health care plans and products.  Providing managed care and specialty health care services throughout the United States, UniCare Life & Health Insurance Company is a subsidiary of WellPoint.  UniCare offers a comprehensive array of health care plans and specialty products that preserve member choice at competitive prices.

SOLO HAP offers health plans for individuals and families not covered by employer health insurance. SOLO is affordable health insurance with flexible plan designs that include preventive care, emergency coverage and optional prescription benefits.  HAP offers flexible products to meet the health needs and budget of Michigan residents. The health plan’s comprehensive PPO provider network includes more than 15,000 physicians across the state of Michigan.

HAP helps members improve their health with innovative preventive services, disease management programs and extensive online health resources. Through HAP Advantage, members receive preferred rates on chiropractic services, laser vision correction, Weight Watchers® meetings and fitness club memberships. iStrive For Better Health, HAP’s online health improvement program, offers members a free health risk assessment, six healthy lifestyle programs and rewards for reaching milestones in the program.

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Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company.  Assurant Health is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers.  As a leader in the individual insurance market Assurant Health’s legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent).

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Golden Rule Insurance Company has been a leader in the individual health market for more than 60 years and offers a wide variety of affordable health insurance plans, including Health Savings Accounts (HSAs), a plan they pioneered. Serving individuals and families is our primary focus. Because we are dedicated to this market, we have developed a unique understanding of the health insurance needs of individuals and families. This knowledge is reflected throughout your experience with Golden Rule — in our high quality products, our handling of claims, and our customer service. Golden Rule is rated “A” (Excellent) by A.M. Best, independent analysts of the insurance industry. This rating indicates financial strength and stability.

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