Health Insurance
Made Simple
Coverage that helps protect your health and your finances.
Health insurance helps protect you from unexpected medical costs while providing access to preventive care, doctors, prescriptions, and other healthcare services. Detroit Financial Services can help you compare coverage options and find a plan that fits your healthcare needs and budget.
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Marketplace health insurance provides comprehensive individual and family coverage for services such as doctor visits, hospital care, preventive care, and prescription drugs. Depending on your household income, you may qualify for financial assistance that lowers your monthly premium and other healthcare costs.
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Marketplace plans are purchased through the Health Insurance Marketplace and may qualify for income-based financial assistance. Off-Marketplace plans are purchased directly through an insurance carrier and generally do not qualify for Marketplace subsidies.
We can help you compare your options and determine which approach makes the most sense for your situation.
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Your monthly premium is only one part of the cost of health insurance. Plans may also include deductibles, copays, coinsurance, and an annual out-of-pocket maximum.
Comparing these costs together can help you understand what you may pay when you actually use your coverage.
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Health plans can differ significantly in which doctors, hospitals, and pharmacies are in-network and which prescription drugs are covered.
Before selecting a plan, we can help you review your preferred providers and medications so you can better understand how they may be covered.
Health insurance options can vary by cost, provider network, prescription coverage, and out-of-pocket expenses. Understanding the basics can help you choose coverage that fits your healthcare needs and budget.
Understanding Your Life Insurance Options
Finding the Right Health Insurance Is Simple
STEP 1
Tell Us About Your Needs
Tell us who needs coverage, your healthcare priorities, and basic household information. We’ll use this information to begin identifying available plans and potential savings.
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STEP 2
Compare Your Options
Compare available plans based on monthly premium, deductible, out-of-pocket costs, provider networks, prescription coverage, and any financial assistance you may qualify for.
STEP 3
Select & Enroll
Once you find the right plan, we’ll help you complete your enrollment and make sure the information needed for your application is submitted correctly.
STEP 4
Activate Your Coverage
Complete any required premium payment and review your plan information, ID cards, and coverage effective date so you know when and how to use your benefits.