For a customized quote
call (810) 230-1266

Security First Benefits Corporation
G-3526 Miller Rd
Suite B
Flint, MI 48507

Health Insurance Plans

Get the Health Coverage You Need

With the latest rollback of the Affordable Care Act (repealing of the tax penalty), we offer consumers more options for health insurance than in recent years.  Select from a wide variety of individual health insurance products for many different types of needs.

As an experienced independent agency licensed and certified to sell Health Insurance we offer:

  • FREE SUPPORT, EDUCATION AND GUIDANCE from a specialized agent who has insight into today’s Health Insurance market and is trained to assess and understand your needs.
  • Unbiased approach and access to products from many top carriers to help find you the plan that covers all or most of your healthcare costs at the lowest premium possible.
Click the toggles below to learn more about your Health Insurance options.

Traditional Major Medical Health Insurance

Health Maintenance Organization or HMO

An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

Preferred Provider Organization or PPO

A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Health Savings Account (HSA)

An HSA is a feature tied to your PPO plan that allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.

Federal Health Insurance Marketplace

When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. We suggest you the Marketplace Subsidy Calculator to see if you qualify.

Cost Sharing Ministry Plans

A Christian-based health plan wherein members share each other’s eligible medical bills. There are different options for different budgets, as your monthly share is based on your family’s household income.

Short Term Health Insurance

Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families.  In the past, short term plans have been available for up to three months, but new federal guidelines allow for plans up to one year, and are renewable for up to three years.  The great thing about short term plans are they are generally less expensive than traditional health insurance, however, they do not provide full coverage and they typically do not cover pre-existing conditions.

 

Based on your needs, you can select the length of time  and from a range of available deductible amounts.  Additionally, short-term health insurance plans do not contain the essential benefits as required by the Affordable Care Act.

Travel Health Insurance

While traveling, your regular health plan only  covers a fraction of costs. Don’t go without coverage. Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.

Open Enrollment

Nov 1st through Dec 15th

Miss the deadline? Click for Special Enrollment

If you are purchasing regular health insurance on or off the Exchange (Marketplace), you must do so during the annual open enrollment period. Failure to do so may result in your having no coverage for the following year and having to wait until the next year’s open enrollment to sign up for coverage. However, you may enroll in a health insurance plan outside of the annual open enrollment dates if you have a qualifying event.

You can still sign up for health insurance after the deadline if you meet any of the following qualifying events:

  • change in legal marital status
  • a change in the number of dependants
  • a change in place of residence and the current carrier is not available
  • significant cost or coverage change
  • a change in coverage of a spouse or dependant
  • a COBRA qualifying event
  • legal judgements, decrees and orders
  • entitlement to Medicare or Medicaid

Note you can purchase Cost Sharing Plans, Short-Term Health or Travel Health Insurance anytime of the year.

Contact Us
For a Customized Quote

(810) 230-1266

Disclaimer:  Security First Benefits Corporation is a licensed health insurance agent authorized to market Health Insurance Plans. This is a solicitation for insurance.  Please note a sales agent may call as a result of your inquiry for a quote.  The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Please note you have no guarantee issue.

 

Security First Benefits Corporation is not part of the Federal Healthcare System.