Global Financial Services, L.L.C.

At Global Financial Services we are committed to your overall financial needs. Health Insurance is absolutely imperative in securing ones financial plan and insuring your overall financial planning goals are met. This is why we strive at providing the best Michigan health insurance coverage at the lowest rates. Each situation is different, and our job is to research, evaluate and recommend the most suitable plan. We have partnered with the majority of Michigan's top insurance companies allowing us to search and seek out the absolutely top rated health and life insurance companies. Global Financial Services is based out of Flint, Michigan and the majority of our clients come to us from the Greater Detroit, Michigan area. However, we have clients from all over Michigan and have streamlined the process to get you coverage no matter where your are located in the state. Most of our Michigan health insurance plans can be applied via the internet and phone eliminating the need  for inconvenient meetings. Feel free to click on the Health Insurance Quote button for a no obligation quote or call us at 888 452 9034.

Confused by Health Insurance Terms? CLICK HERE for Health Insurance Terms explained.

Global Financial Services Health and Life Insurance

We provide the guaranteed lowest allowable rates for your Michigan health insurance plan. Whether you are an individual, family, self employed or uninsured, our free service allows you to find the most affordable individual or family health insurance in Michigan. Your quotes are the lowest available rates allowed by each carrier. We'll also discuss and review what impact health insurance reform will have on your specific situation. While some changes have already gone into effect (such as 100% coverage on preventive services), there will be more changes between now and 2014.

Online individual and family health insurance quotes are provided by a Michigan broker with more than 20 years of experience. This free service is provided by a live person…and your name and information is NEVER shared with anyone...unlike many other sites.  Inexpensive Michigan health insurance plans are available, and we'll find them for you. We represent all of the major companies, such as Blue Cross Blue Shield of Michigan, Assurant, UnitedHealthOne, Health Plus, World Insurance, and the IHC Group. Our job is simple.....find you the best coverage at the lowest rates. We do the shopping for you and explain your coverage in detail.

By clicking on the Health Insurance Quote button you'll be able to view, compare or apply for the most affordable high-quality plans in Michigan. These rates will be the lowest available in the state. You can easily compare different Detroit Michigan medical plans and apply online, by email, by fax or by mail. And once the policy is approved, we'll continue to provide our free service.

Good Michigan health insurance can be affordable. There are many plans that can fit your budget and we’ll do the research. These plans will be there when you need them, and contain the coverage you are likely to use most. Catastrophic, comprehensive and HSA health plans are all reviewed so we can properly recommend the best policy for you.

Low Cost Detroit Health Insurance Plans

Low cost health insurance plans often contain coverage found in more expensive policies. While catastrophic expenses are usually covered, additional benefits such as office visits, prescriptions, preventative exams and lab/X-ray costs are also sometimes included. Most preventive benefits are now covered at 100% with no waiting period. Recent health care reform changes mandated the preventive benefits coverage along with a few other extra items including the elimination of lifetime caps on benefits paid.

By clicking on the Health Insurance Quote button, you’ll be able to receive a number of Health Insurance quotes from multiple insurance companies. View and compare almost all of the available Michigan health insurance plans at the lowest rate allowed by the state.

Health Insurance Detroit, Michigan

Detroit self employed health insurance plans are very affordable and are offered by all of the major health insurance companies. Starting or maintaining your own business doesn't mean that you have to take the risk of being uninsured. Detroit, MI health insurance for the self employed consists of low cost catastrophic, comprehensive or HSA plans.

Michigan offers many great health and life insurance companies. Whether you are single, married with children, uninsured or on Cobra, we'll research and find the plans that will fit within your budget. We'll also inform you which recent health care reform changes will benefit small businesses. Global Financial Services is the premier resource for finding Michigan health insurance plans for the self employed. We have designed this website so you can easily view, compare and even apply for coverage online. Health insurance in Detroit can be affordable but you need to shop around. Let us assist you in finding the most affordable health insurance rates.

One of the most popular plans for self employed individuals and families is a Health Savings Account (HSA). HSAs are designed to help save for future qualified medical and retiree health expenses on a tax-free basis. Plans are available from most Michigan health insurers, such as Blue Cross Blue Shield of Michigan, Assurant, UnitedHealthcare, and Health Plus of Michigan. Premiums are usually quite lower than Cobra health insurance rates.

To open an HSA, you must have a qualified “High Deductible Health Plan” (HDHP), which is a type of medical plan that has a higher deductible than a typical health insurance policy. The HSA itself is a savings account that allows you to contribute funds on a tax-preferred basis. Qualified deductible expenses can also include dental and vision costs. Any funds not used during the year, can be rolled over to the following year without a penalty.

Reducing the cost of Detroit Michigan health insurance can be accomplished in many ways. Increasing your major medical deductible can reduce premiums by 30% or more. With many policies, office visits and prescriptions are not subject to a deductible, and therefore, would not be affected. If you rarely use office visit and prescription coverage, placing a deductible on these benefits could substantially reduce your premium. Of course, preventive coverage is not subject to a deductible.

Comparing several policies is always advisable. Every Michigan health insurance company bases their self-employed rates on various factors, including smoking status, health, and the county where you live. You will be able to obtain more affordable health coverage by considering more than one plan.

Health insurance can be molded and shaped to meet specific needs. Each situation is different, and our job is to research, evaluate and recommend the most suitable plan. Please feel free to click on the Health Insurance Quote button to receive a no obligation Michigan health insurance quotes from multiple health insurance companies. And of course, you can call us anytime at (888) 452 9034. We're located here in Michigan, just like you! And your personal information is never shared with any other company or person.

Detroit Michigan Short Term Health Insurance

Michigan short term health insurance is the least expensive type of health care coverage. If you are a recent high school or college graduate that is no longer covered under a parent’s policy, unemployed, between jobs, a seasonal employee or just waiting for other coverage to begin, then an affordable Michigan short term health insurance policy might be your best option. We guarantee that the rates you view on our website are the lowest available rates allowed by each carrier.

Also, if you are employed part-time or temporarily,  laid off, on strike, on Cobra or waiting for your permanent insurance to begin, you may need Michigan short term coverage. Temporary health insurance is extremely affordable and is available from the top Michigan insurers such as Blue Cross Blue Shield of Michigan, World Insurance, Health Plus of Michigan, and Assurant. These companies feature rates that are often just a fraction of the cost of a conventional policy. A wide range of deductibles is available, and naturally, lower deductibles will increase the premium.

Short Term Policy Features

*Coverage is designed to be effective for a short period of time…usually between 1 and 12 months. Once the policy ends, you may be forced to re-qualify for additional coverage. If you have paid for coverage that you have not used, a refund will be processed on the unused portion. You are not obligated to keep a temporary policy any length of time.

* Pre-existing conditions are generally not covered. Also, coverage is usually “catastrophic” instead of “comprehensive.” However, some plans, such as the Medical Mutual short term policy, will provide some office visit coverage. Prescription benefits are often included, subject to policy limitations. If you are willing to accept higher out-of-pocket expenses, the rate will reduce.

*Rates are typically low…as much as 30%-60% less than a conventional policy. And because of its low cost, preventative coverage is usually not included. A wide variety of deductibles is usually available, ranging from $250-$5,000.

*Most short term insurance plans allow you to pay monthly, or pay all of your premiums in advance. When paying in advance, most companies discount the rate. A typical Detroit MI short term health insurance plan is usually approved within 24-48 hours. The standard short-term application is brief and typically takes less than 20 minutes to complete.

Applying For Coverage

Short term coverage is not the right solution for everyone.  But if you’re not presently insured, it is often an attractive low-cost option worth considering. Please don't hesitate to call us at (888) 452 9034 for additional information. We'll be happy to review the top plans and discuss which short-term policy is best for your specific situation.

Michigan Individual Health Insurance Plans

Michigan individual health insurance plans are available at extremely affordable rates. Most major Michigan health insurance companies offer a large selection of plans to meet the ever-changing needs of consumers. Whether you're an individual, family, student, self-employed, between jobs, an early retiree or uninsured, we'll find the right individual health insurance plan for you. And unlike many other online health insurance sites, we're located in Michigan (Flint) and are recognized as the premier resource for affordable individual health insurance. The rates you view on this website are the lowest rates offered by each carrier.

In Michigan, Assurant and Blue Cross Blue Shield of Michigan, currently offer the most competitive rates but insurance rates change frequently. Individual policies are medically underwritten, so pre-existing medical conditions can sometimes increase the rate. However, in most cases, these conditions will not cause a denial of coverage. And if you have prior credible individual or group coverage, the pre-existing condition clause may be waived. Recent health reform changes could possibly effect the rate you pay, especially in 2014. We'll be happy to review those changes with you, and discuss what specific steps should be taken to maximize your savings.

The three types of Michigan individual health insurance are “comprehensive,” “catastrophic,” and Health Savings Accounts (HSAs).” Most of the major health insurers provide all three types of coverage with multiple deductible options. Higher deductibles can substantially reduce rates. If there are no existing major health issues, most companies will allow you to change from one type of coverage to another (subject to specific company guidelines).

Catastrophic plans generally cover only the major medical expenses, and rates tend to be very low. Sometimes referred to as a "High Deducible Health Plan," out of pocket expenses are higher, with limitations on office visit and prescription coverage. Preventive benefits are included and are not subject to a deductible. When a "Network" provider is used, out-of-pocket costs are often discounted. Ideally, this type of individual plan is appropriate when you are willing to pay the smaller and routine medical expenses and can easily afford out-of-pocket expenses of $2,500 or more.

Comprehensive plans add office visit and prescription coverage, and tend to be the most expensive plans. But raising the deductible on the major medical items can keep the premium quite affordable. Some Michigan individual health insurance plans will offer a reduced rate, by limiting the number of covered office visits. Another available option to reduce premiums is limiting the type of prescriptions that are covered or capping the dollar amount of covered prescriptions per year. In 2014, health reform legislation may eliminate the practice of capping prescription coverage. We will keep you updated on any changes.

HSAs, a popular Michigan individual health insurance plan,  are most effective when major medical and preventative coverage are a priority. Rates are often fairly low, and additional tax advantages help make the HSA an attractive option to consider. The amount of premium saved by purchasing the lower-premium/higher deductible policy can be deposited into an HSA account, to pay for qualified medical expenses. You control the money in the account and have complete access at all times. Preventive benefits are typically not subject to a deductible and other covered health care expenses receive a negotiated discount.

Quotes for Health Insurance in Detroit are available by clicking on the "Health Insurance Quote" button at the top of the page. Your personal information will never be shared with any other person or company. And there is never any fee for our services, so feel free to call or email us any time.