Jim Collier, Oakland county Michigan Independent Insurance Agent --

Please visit http://jc.mymedquote.com to see how affordable health insurance can be and then contact me to answer questions about options and implement your health care coverage.

With the rising cost of medical treatment and the resulting pressure from increasing premiums, health care coverage has become a top priority. Group health coverage is often considered the best value and the least difficult to acquire if you are employed where those plans are available. Today, many employers are changing the status of their group health coverage and are taking steps to contain cost. Health coverage is a moving target. It is constantly changing. National trend increases plus age associated increases are common terms in health care. Group plans are being supplemented by individual health plans. Many people are self employed and do not have access to group coverage. The retired and senior segments must find coverage on their own.
The number of individual health plans is increasing.  Some employers are providing allowances and telling employees to purchase individual coverage as they wish.That process limits employer health cost to a fixed amount. It helps the employer operate more efficiently and increases the chances for corporate survival. It places the responsibility of acquiring health coverage on the individual more than ever before. It also requires the employee to pay any difference in premium. This change demands more knowledge of health care and the coverages that are available. It demands that correct decisions be made. The first step is to select the most important part of coverage. Many people see the need for major medical coverage to guard against financial ruin and protect their health. Doctor visits, prescriptions, lab and x-rays, deductibles, co-pays and preventive care are some of the other decision necessary. My role is to help you by providing information, rates and levels of coverage.  We will discuss your health care requirements privately and in detail so that you can make the best decision.