Health Insurance Options
COBRAIf you do not qualify for insurance through your spouse/partner's employer or for Medicaid, you may qualify for a reduction of 65% of the cost of COBRA for up to nine months through a new government program. This program may also be available if you previously did not elect for COBRA. Spouse/Partner's insuranceConsider enrolling in health insurance available through spouse's or partner's employer Under the Health Insurance Portability and Accountability Act, HIPPA, you have 30 days to enroll in your spouse/partner's plan if you lose insurance due to loss of employment, regardless of when the open enrollment period is Private Health InsuranceResearch health care insurance providers based on cost and amount of coverage. The National Committee for Quality Assurance not-for-profit organization provides "Report Cards" on Health Insurance Providers. Blue Cross Blue Shield (BC/BS) of Michigan is the state's nonprofit insurer of last resort. BC/BS must accept all applicants. - BC/BS may be contacted toll free at 1 (877) 4MY-BLUE [877-469-2583]
Government Funded Health InsuranceVeterans qualify for VA benefits: (877) 222-8387 Medicaid is available to low-income families, disabled persons, children, and pregnant women. To apply for Medicaid, go to or call your local Department of Health Services office. MIChild helps children under age 19 of working families (those who do not qualify for Medicaid). This program has a higher income bracket than the Medicaid program. - Toll Free at (888) 988-6300
Free or Low Cost Primary CareA list of Free Clinics in the Upper Peninsula can be found at the Free Clinics of Michigan site. At Community Health Centers, you pay what you can afford based on your income. Michigan Cover the Uninsured provides free and/or low-cost health screenings locally. Shopko's MGH FastCare is an iprogram with n-store healthcare visits and lab services during store hours. Call 1-800-713-7259 to locate a Shopko FastCare nearby. Shopko also offers a drive-thru pharmacy available at most stores. |