Troy, MI Individual Health and Dental Insurance
With the passing of the Affordable Care Act, aka Obamacare, the Individual Health Insurance marketplace has transformed significantly. Many of the plans offered in the Individual marketplace offer no coverage until the full family deductible has been satisfied. Others only cover 2-4 office visits per year at the listed copay. Additionally, there are very stringent rules that dictate when you can and cannot purchase a plan on the Individual marketplace. Outside of the annual open enrollment, which begins on October 15th and is effective January 1st of every year, you must prove you experienced a Qualifying Life Event (QLE). You must prove that you had a QLE such as, marriage, divorce, or loss of other coverage to qualify for a special enrollment period. Did you also know that Pediatric Dental insurance must be included with health plans, if a standalone dental plan does not exist?
At Mason-McBride, Inc., we are appointed with all the top carriers in the Metro Detroit area, offering Off-Exchange Medical Plans, Short Term Medical plans, Dental plans, and Vision plans for you and your family. Let us use our expertise, to help you find the plan that is right for you and your family.
Off exchange Medical Plans
Mason-McBride, Inc. can assist you and your family with a health plan, if you choose to purchase it directly through the Insurance Carrier. Working with Mason-McBride, Inc. and purchasing directly through the carrier you will receive more plan options and slightly lower premium amounts. However, these plans do not offer government subsidies to assist with premiums and cost-sharing. If you think you may be eligible for assistance you should visit, the healthcare.gov exchange. Request a quick quote now or speak to one of our licensed staff at 248-822-7170.
Individual – Child Only Medical Plans
For those that have their own healthcare plan, but need to find coverage for their children, we can also assist with child only plans. Request a quick quote now or speak to one of our licensed staff at 248-822-7170.
Individual – Short Term Medical Plans
As previously mentioned, there are stringent rules dictating when you can purchase a traditional medical plan. However, there may be other options. Short term medical plans are designed to bridge the gap when a life change leaves you without health insurance and you need coverage to get you through the transition period. These plans do exclude pre-existing conditions, but are typically more affordable than traditional plans. Request a quick quote now or speak to one of our licensed staff at 248-822-7170.
Individual – Dental Plans
We also have Individual Dental options available for you and your family. Poor oral health has been proven to lead to health issues including heart disease, dementia, respiratory issues, and diabetes. Request a quick quote now or speak to one of our licensed staff at 248-822-7170.