Health Insurance Coverage for Individuals & Families

Choosing health insurance is one of the most important decisions you can make to help protect your and your family’s health and well-being. It can be hard to find the right plan and understand the details of your coverage, but Growers Choice is here to help you every step of the way. Health insurance covers essential health benefits, medical care for illness and accidents and protects you from high medical bills. Not having health insurance can result in hefty medical bills or you avoiding getting the care you need. Don’t wait until you need it, get an affordable health insurance plan with Growers Choice today.

Growers Choice provides health insurance to all of Michigan, including the following areas:

  • Bay County: Auburn, Bay City, Bentley, Essexville, Kawkawlin, Linwood, Munger, and Pinconning
  • Arenac County: Au Gres, Omer, Standish, Sterling, Turner, and Twining
  • Midland County: Coleman, Edenville, Hope, Midland, and Sanford
  • Saginaw County: Birch Run, Brant, Bridgeport, Burt, Carrollton, Chesaning, Frankenmuth, Freeland, Hemlock, Merrill, Oakley, Saginaw, and Saint Charles

What Our Healthcare Plans Offer


We help you get the most out of your health care with plans that won’t break the bank. Growers Choice gives our clients more choices to protect what’s most important. Find out just how much you can save by getting a health insurance quote today!

Service & Access

24/7/365 availability means you can reach virtual care doctors and nurses, customer service, or health care support any time.

Personalized Information

Some of the health insurance providers we partner with have a website and mobile app that lets you search in-network providers, view prescriptions, and manage claims and reimbursements. They also provide personalized alerts and recommendations based on your unique health needs.

What does health insurance cover?

Health insurance plans may cover a wide range of medical care and services. These often include preventive and non-preventive care, as well as emergency care, behavioral health, and sometimes vision and hearing.

Here are examples of health insurance benefits your plan may cover:

  • Preventive visits: Things like an annual check-up are typically covered 100%.
  • Vaccinations: Some vaccinations are covered 100%, too. For example, many plans pay for an annual flu shot and certain kinds of childhood vaccinations.
  • Non-preventive doctor visits: For in-network doctors and specialists you get a reduced rate as part of the network. Your plan helps pay its share of the cost once you’ve met your deductible.
  • Hospitalization: Your plan helps pay its share of the cost once you’ve met your deductible. You will pay less if you go to a hospital that’s in your plan’s network, if required.
  • Emergency Room: Many health plans do not require you to go to an in-network ER in an emergency, but plans can differ.
  • Lab work: If you go to an in-network lab, your costs for lab work will be lower. Your health plan negotiates lower rates with them, too.
  • Additional, or supplemental coverage that’s added to your health plan: Coverage for cancer care, accident coverage, and more can help you pay for care that’s often costly and unexpected.

What does health insurance not cover?

What’s not covered by health insurance can also vary depending on the plan. Here are some types of services that are not typically covered:

  • Alternative medicine—such as massage, acupuncture, herbal healing, and more.
  • Cosmetic surgery—things like plastic surgery, laser skin removal, liposuction, rhinoplasty (nose job), etc.
  • Weight loss surgery—things like gastric bypass and bariatric surgery may not be covered. This depends on the plan you get, though. Some procedures may be covered, if medically necessary, so check your plan documents carefully.
  • Vein surgery—laser surgery to correct spider veins is often considered cosmetic and may not be covered unless a doctor can show it’s medically necessary.
  • Elective surgeries—especially surgeries that a doctor cannot prove a medical need for.
  • Unapproved medical care—if you fail to get a required precertification for care or a service, your health plan may deny you coverage. Precertification is pre-approval from your health insurer. Many health plans require this type of pre-approval for certain types of procedures or treatments.
  • Experimental treatments or procedures—for example, surgeries that use new technology or methods that may not have proven outcomes.

Other Health Insurance Coverages

Disability Insurance

You rely on your paycheck. Disability insurance can help protect it. If you're totally disabled due to sickness or injury and can't work, disability insurance offers coverage that can provide money to help pay your mortgage, rent, car loans, and other monthly expenses.

Long Term Care Insurance

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. Long-term care policies reimburse policyholders for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.

Travel Medical Insurance

Travel medical insurance can refund travelers if a medical emergency occurs during their trip. Because many U.S.-based health insurance providers don’t extend coverage overseas, travel medical insurance policies can be an inexpensive way to have coverage during international travel.

Medicare: Health Insurance for Individuals over 65

Whether you are turning 65 and exploring Medicare for the first time, or looking for a Medicare option to meet your needs, Growers Choice is here to help. Medicare provides health coverage at a time of life when health care and prescription costs often increase and is a federal health plan that is broken up into parts that cover various types of care and services:

Original Medicare Part A & B

This medicare coverage health plan has two parts: Part A and Part B. Part A covers hospital care and services including surgeries, inpatient hospital stays, and more. Part B covers two types of services: medically necessary services (services or supplies needed for a medical condition), and preventive services (health care to detect or prevent illness, including doctors’ visits, preventive care, ambulance, and durable medical equipment). You can go to any doctor, supplier, hospital, or facility that accepts Medicare, and is accepting new Medicare patients.

Medicare Advantage Part C

This medicare coverage is a type of Medicare plan offered by a private company. These plans include Part A hospital and Part B medical coverage and Part D prescription drug coverage is usually included. Other coverage may include some basic dental, vision, and hearing depending on the plan and insurer you choose. Part C works with: Standalone Part D Prescription drug plans (if they are not already included as part of the Part C plan or cannot be included due to certain types of plan designs).

Medicare Part D

Medicare Part D offers prescription drug coverage to anyone with Medicare. Private companies offer this as a standalone Part D plan or with select Medicare Advantage plans. Part D plans help pay for medications you take regularly to manage chronic conditions, for example, heart disease, high cholesterol, or asthma. It also pays for medications you take for a short period of time, such as antibiotics. There are also some medications covered by your Original Medicare Part B (Medical) plan and not covered by Part D.

Medicare Supplement

Also known as Medigap, Medicare Supplement Insurance includes plans offered by private companies that help cover costs that Original Medicare doesn’t, including deductibles, copays, and coinsurance. It helps pay about 20% of the Medicare expenses that Original Medicare doesn’t cover after the Part B deductible has been met. Medicare will pay its share of the Medicare-approved amount for covered health costs. Then, your Medicare Supplement Insurance plan will pay its share of the costs it covers. Get a Medicare Supplement Quote Instantly Here!

Group Health Insurance for Employers

Growers Choice Insurance helps companies of all sizes find the right health insurance coverage for their employees because after all, having healthy employees is essential for healthy growth! We have a variety of plans to choose from several top-rated insurance carrier to fit you, your business, and your employees needs. Our plans have coverages including:


Plans that help your employees get and stay healthy so your business can succeed.


Good oral health is essential for your employee's overall health, well-being, and business productivity.


Budget-friendly vision plans to help employees take care of their eye health.

Life Insurance

Financial protection for your employees for when the unexpected happens.


Wellness solutions that suit your employees' needs and workplace culture.

Group Medicare

Competitive premiums and plans for your medicare-eligible retirees.

Other group health insurance coverages we offer include Key Person Coverage, Long Term Care, Long Term Disability, Short Term Disability, and more.
Contact Growers Choice Insurance today and we will work with you to the find the right coverage for your employees.

Our Health Insurance Carriers

We work with many different insurance companies to ensure we find the right insurance rate for you, your needs, and your budget.

Individual Health Insurance FAQs

When you purchase a health insurance plan, you will pay a premium, which is a fixed monthly amount, much like you pay for car or life insurance. The premium is determined by the type of plan you have, as well as your age, your geographical location, and whether or not you use tobacco products. In addition, you may have to pay deductibles, copayments, or coinsurance amounts when you see your doctor or buy prescription drugs.

Generally, you will pay higher premiums for plans that include out-of-network benefits; plans that have low or no deductible, copayment, or coinsurance amounts; or both. You can choose to lower your monthly premium by purchasing a plan with a higher deductible. The type of plan you purchase should be determined by your anticipated health needs. For assistance in determining which type of plan would best meet your needs, please contact Growers Choice today!

Children with parents at or below 200 percent of the federal poverty level may be eligible for the Children’s Health Insurance Program (CHIP). If your child does not qualify for CHIP, then tax credits and cost-sharing reductions may be available at the Health Insurance Marketplace to make coverage affordable for your children. The cost of health insurance depends on how much coverage you choose to purchase and whether you qualify for state and federal programs that provide financial assistance. Many Virginians who have lower incomes will also benefit from lower costs in whatever plan they choose. The Kaiser cost-estimate calculator can help you estimate about how much you will pay per year for insurance coverage and the size of the financial support. These government financial assistance programs are offered on a sliding scale, based on your annual household income. In other words, the higher your income, the lower the amount of your financial assistance.

Determining how much you can spend on healthcare for you and your family is an important step to getting the right coverage.

Figure your known costs. Sort through your health-related expenses each year. Some key parts of your annual expenses will be health insurance premiums, dental exams, eye exams, prescription drugs, and medical doctor visits.

Ask your dentist, eye doctor, and medical doctor how often you should schedule check-ups. Based on your health insurance, you may have to pay for part of the visit fees and for any tests you have undergone. You will need to consider copayments, coinsurance, and deductibles. Add those amounts to your health insurance premium.

Include your medicine costs. Don’t forget to include the cost of any regular prescription drugs, over-the-counter drugs, and vitamins you take regularly. Check with your health plan to see what part of the prescription drug expense they pay.

Remember your family members’ costs, too. Repeat the last two steps above for everyone covered by your health plan.

Total your fixed costs. You now have an estimated annual total healthcare cost to assist in planning. You can divide the total by 12, and you will have an estimated monthly fixed cost of healthcare.

Save for the unexpected. You will have more challenges figuring out unplanned “surprise” costs. These expenses might include visits to the doctor for an illness or injury, medications to help with any illnesses, unplanned hospital stays or operations, and emergency room visits.

Your employer or health plan might offer ways to save for both your expected and unexpected healthcare costs.

If the reason for your change in affordability is due to a life-changing event such as the loss of a job, death of a spouse, or birth of a child, you would be eligible for special enrollment within 60 days of the event. If you do not enroll during this period, you will not be assured a health plan will cover you either through the Health Insurance Marketplace or in the private market. If you do not pay your premium, you could lose coverage and will not be able to enroll again until the next open enrollment period.

You and your health insurance company pay for your health care expenses. Deductibles, coinsurance and copays are all examples of what you pay. Understanding how each example works helps you know how much you pay.

What is a deductible?

A deductible is the amount you pay for health care services before your health insurance begins to pay.

How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.

What is coinsurance?

Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount we allow to be charged for services. You start paying coinsurance after you’ve paid your plan’s deductible.

How it works: You’ve paid $1,500 in health care expenses and met your deductible. When you go to the doctor, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70 percent. The 30 percent you pay is your coinsurance.

What is a copay?

A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service.

How it works: Your plan determines what your copay is for different types of services, and when you have one. You may have a copay before you’ve finished paying toward your deductible. You may also have a copay after you pay your deductible, and when you owe coinsurance.

Your ID card may list copays for some visits. You can also log in to your account, or register for one, on our website or using the mobile app to see your plan’s copays.

When you’re shopping for health insurance, you have a lot of options to choose from.

Knowing the differences between plans can help you choose the one that’s right for your health care needs and budget.

As you look at plans, you may notice that some plans are HMOs and some are PPOs, but what does that mean?

  • HMO stands for health maintenance organization.
  • PPO stands for preferred provider organization.

All these plans use a network of physicians, hospitals and other health care professionals to give you the highest quality care. The difference between them is the way you interact with those networks.

HMO Plans

With an HMO plan, you pick one primary care physician. All your health care services go through that doctor. That means that you need a referral before you can see any other health care professional, except in an emergency. Visits to health care professionals outside of your network typically aren’t covered by your insurance.

For example, if you get a skin rash, you wouldn’t go straight to a dermatologist. You would first go to your primary care physician, who‘d examine you. If your primary care physician can’t help you, he or she will give you a referral to a trusted dermatologist in your network that will.

One exception to this is that women don’t need a referral to see an obstetrician/gynecologist, or OB/GYN, in their network for routine services such as Pap tests, annual well-woman visits and obstetrical care.

Coordinating all your health care through your primary care physician means less paperwork and lower health care costs for everyone.

PPO Plans

PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral—inside or outside of your network.

Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you’ll have higher out-of-pocket costs, and not all services may be covered.

Which one is right for me?

If you prefer to have your care coordinated through a single doctor, an HMO plan might be right for you. And if you want greater flexibility or if you see a lot of specialists, a PPO plan might be what you’re looking for.

You may cancel the policy/service agreement on the first of the month following our receipt of your written notice, unless otherwise stated. If you do not have other coverage, you may not be able to repurchase a plan before Open Enrollment for the next plan year begins, unless the change is due to a qualifying life event.

Medicare FAQs

Medicare’s annual Open Enrollment Period is annually from October 15 to December 7.

Most people don’t have to pay a premium for Part A as long as they or their spouse paid Medicare taxes for at least 10 years while they were working.

There’s also no premium for Part A if:

  • You’re receiving Social Security or Railroad Retirement Board (RRB) benefits at the time you enroll
  • You’ve received disability benefits for at least 24 months.

There is a monthly premium for Part B, which is deducted from your Social Security or, for those who receive them, from their RRB benefits.

In addition to premiums, plan members are also responsible for paying a deductible and coinsurance with Original Medicare. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services.

With Medicare Advantage options, instead of paying your healthcare bills directly, the federal government pays private insurance companies to administer your coverage.

While there is a monthly premium for Medicare Advantage options, many private insurance companies choose to offer affordable or $0 plan premiums to compete for your business. They also set the guidelines for your deductible, coinsurance and copays. To learn about Medicare Advantage options, contact Growers Choice today.

As with Original Medicare members, Medicare Advantage members must continue to pay their Part B premium.

There are 2 ways to get Medicare prescription drug coverage:

  • You can choose a Medicare Advantage plan that includes prescription drug coverage (these are called Medicare Advantage prescription drug plans)
  • You can purchase a stand-alone prescription drug plan—called Part D—to add to your Original Medicare

Your out-of-pocket costs for prescription drug deductibles, copays and coinsurance vary from plan to plan. Be sure to check each plan’s Drug List (list of covered drugs) to see what drugs are covered.

Yes, even with a preexisting condition, you can enroll in Original Medicare or a Medicare Advantage plan as long as you sign up for coverage during your initial enrollment period. This is the 7-month window that starts 3 months before your birth month and continues through the 3 months after your birth month in the year you turn 65.

With Original Medicare, a primary care doctor is not required. You can visit any doctor who accepts Medicare.

With a Medicare Advantage plan, your choice of doctor depends on whether you select a health maintenance organization (HMO) or preferred provider organization (PPO) plan.

With an HMO plan, you can choose your primary care physician from any doctor in the plan’s network. If you opt for a PPO plan, generally, choosing a primary care physician is optional. With both types of plans, you’ll usually save money by visiting a network provider.

It’s important to note that Medicare Advantage plans must offer emergency coverage outside of the plan’s service area, anywhere in the U.S.

Medicare is widely accepted across the United States, but it’s not universal. When reviewing plan options, pay close attention to which providers in your area accept Medicare to ensure that you have access to care when you need it.

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