Family Health Insurance Agency in Clarkston, Michigan, Metro-Detroit, Commerce Twp, Waterford Twp

Individual & Family Health Insurance | Michigan

Serving all of Michigan, Phenix Health Insurance Agency in Clarkston Michigan can help you navigate through the complicated process of purchasing health insurance. If you’re a self-employed business owner or 1099 contractor we can find the right plan for you and your family.

Here’s a few things to think about. What is your current plan type, HMO or PPO? Many people don’t know the difference, so let’s explain. An HMO is more focused on preventative maintenance, furthermore, it requires your primary physician to refer you to specialists in the HMO network. HMOs typically have a little lower premiums, but sometimes lack coverage in certain areas. They are great for healthy people and younger adults. Typically, when you get in your 50s, a PPO may be a good choice. With a PPO, you don’t need to have a referral from your doctor, in addition, you can generally go wherever the health insurance is accepted, even out of Michigan in many cases. PPO plans are generally a bit more expensive, but they typically cover more, and you have more freedom to choose a primary doctor or specialists. Call us to learn more: 248-933-4167.

Do you know the different plans available in Michigan?

There is a lot to know when choosing health care for you and your family. The most basic questions are, do you want an HMO or a PPO, what deductible amount do you need, what is the max out of pocket you can handle, and how much can you afford each month for the premium. These are only a few of the questions we ask to determine what plans are the best fit for you and your family. Not every insurance carrier like HAP, or Blue Cross Blue Shield are the same. Many carriers differ greatly in what they will cover. Give us a call, so we can help you navigate through the available health insurances plans in Michigan.

Individual & Family Health Insurance Quote | Michigan

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