Moving to Michigan? What You Should Know About Health Insurance
Michigan is beginning a cycle of re-tooling its economic base. As the state diversifies from an economy largely based on the automotive industry to one with greater variety, there is abundant opportunity for those individuals and families who want to relocate in the state. Excellent schools, a desirable quality of life, and recreational opportunities draw immigrants from other states and from outside the US. However, these immigrants must plan for a smooth transition of their health insurance coverage. Careful research ahead of time can determine if a current health insurance policy will transfer to Michigan, or if new coverage will be necessary. Be aware of rules concerning lapse in coverage and pre-existing conditions.
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Tips for a Smooth Health Insurance Transition
- If you have accepted a job in Michigan, check with your employer before you move to see which health insurance provider is used and what coverage you will have.
- Both PPO plans and HMO plans will give you a list of qualified doctors from which to choose. You can arrange to have your medical records sent to the new doctor at the time of your move.
- Investigate your current health insurance policy. If you can be insured by the same regional or national company, you may be able to transfer your coverage to the new state and avoid any lapse in coverage or issues with pre-existing conditions.
- If you are going to seek employment and don't know what type of insurance a new employer may offer, consider a temporary insurance plan to see you through the transition.
- Even if your employer offers basic coverage, you may still need supplemental insurance for dental, vision, or prescription coverage.
- If you need to choose a new health insurance provider, be sure to get quotes from several different health insurance providers in order to get the most coverage you can afford for your growing family.
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