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Population: 10,095,643
(Source: U.S. Census Bureau)
Uninsured: 1,061,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Michigan health insurance policies. Click here to view our registration with the Michigan Office of Insurance (We're listed as HBDC). |
Michigan has the 12th highest number of uninsured in the U.S.
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Health Insurance News in Michigan
Health Insurance for Small Businesses: Michigan
New Legislation to make Michigan Individual Insurance Policies More Affordable
What If I've Been Denied a Health Insurance Claim?
Buying Individual Insurance Policies in Michigan
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Michigan:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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Alcoholism
Ambulance Services
Breast Reconstruction
Diabetic Supplies
Drug Abuse Treatment
Emergency Services
Hospice Care
Mammogram
Maternity Stay
Mental Health Parity
Off-Label Drug Use
Orthotics/Prosthetics
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Alzheimer's
Ambulatory Surgery
Anti-Psychotic Drugs
Autism
Birthing Centers/Midwives
Blood Lead Poisoning
Blood Products
Bone Marrow Transplants
Bone Mass Measurements
Cancer Medications
Cervical cancer/HPV Screening
Chemotherapy
Chlamydia
Cleft Palate
Clinical Trials
Colorectal Cancer Screening
Congenital Bleeding Disorders
Contraceptives
Dental Anesthesia
Diabetes Self Management
Early Intervention Services
Habilitative Services
Hair Prostheses
Hearing Aid
Home Health Care
HPV Vaccine
In Vitro Fertilization
Kidney Disease
Long Term Care
Lyme Disease
Mastectomy
Mastectomy Stay
Maternity
Mental Health General
Minimum Hysterectomy Stay
Minimum Testicular Cancer Stays
Morbid Obesity Treatment
Neurodevelopment Therapy
Newborn Hearing Screening
Newborn Sickle-Cell Testing
Ostomy Related Supplies
Other Infertility Services
Ovarian Cancer Screening
PKU/Formula
Port-wine Stain Elimination
Prescription Drugs
Prostate Cancer Screening
Psychotic Drugs
Rehabilitation Services
Second Surgical Opinion
Smoking Cessation
TMJ Disorders
Well-Child Care
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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Conversion to Non-Group
Dependent Students
Handicapped Dependents
Newborns
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Adopted Children
Continuation/Dependents
Continuation/Employees
Grandchildren
Non-Custodial Children
Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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Chiropractors
Dentists
Nurse Midwives
Optometrists
Oral Surgeons
Physician Assistants
Podiatrists
Psychologists
Public or Other Facilities
Social Workers
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Acupuncturists
Chiropodist
Denturists
Dieticians
First Nurse Assistant
Lay Midwives
Licensed Health Professional
Marriage Therapists
Massage Therapists
Naturopaths
Nurse Anesthetists
Nurse Practitioners
Nurses
Occupational Therapists
Opticians
Osteopaths
Pain Management Specialist
Pastoral Counselor
Pharmacists
Physical Therapists
Professional Counselors
Psychiatric Nurse
Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Michigan.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Michigan residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Michigan.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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