Help With Health Care. Resources for the uninsured. Northern Michigan

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Northern Michigan

Help With Health Care

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Introduction

Your health is important to us. That’s why we’ve developed this brochure, Help with Health Care, for people who are uninsured and need help with health care in Michigan. It’s designed to help you understand how to get health insurance coverage and find free and low cost health care services. It’s divided into three sections:

1. How to get health insurance coverage in Michigan

2. How to find free and low cost health care services and other health care resources in Michigan

3. Understanding health insurance and how to access health care services

This brochure includes services in the following counties:

Alcona, Alger, Alpena, Antrim, Baraga, Benzie, Charlevoix,

Cheboygan, Chippewa, Crawford, Delta, Dickinson, Emmet, Grand Traverse, Gogebic, Houghton, Iosco, Iron, Kalkaska, Keweenaw, Leelanau, Luce, Mackinac, Manistee, Marquette, Missaukee,

Menominee, Montmorency, Ogemaw, Ontonagon, Oscoda, Otsego, Presque Isle, Roscommon, Schoolcraft and Wexford.

How to get health insurance coverage

in Michigan

The Affordable Care Act gave more people the chance to get health coverage. In Michigan, you have many health plan choices. Although health reform is complex, many resources are available to help you understand it and find a plan that meets your needs and budget.

Reduced cost-sharing, also called a subsidy, lowers the amount you pay out of pocket for deductibles,

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If you have limited income, you may qualify for a tax credit or reduced cost-sharing through the Health Insurance Marketplace. Or, you may qualify for the Healthy Michigan Plan.

Number of people in your family/ house-hold If your household income is in this range, you may be eligible for a premium tax credit through the Health Insurance Marketplace

If your household income is in this range, you may be eligible for reduced cost-sharing through the Health Insurance Marketplace 1 $16,106 – $46,680 $16,106 – $29,175 2 $21,708 – $62,920 $21,708 – $39,325 3 $27,311 – $79,160 $27,311 – $49,475 4 $32,914 – $95,400 $32,914 – $59,625 5 $38,517 – $111,640 $38,517 – $69,775 6 $44,120 – $127,880 $44,120 – $79,925 7 $49,722 – $144,120 $49,722 – $90,075 8 $55,325 – $160,360 $55,325 – $100,225

Income levels are based on the 2014 federal poverty guidelines. These guidelines are updated each year.

Premium tax credits help lower the cost of a monthly premium

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1. The Healthy Michigan Plan

The Healthy Michigan Plan is the state’s new Medicaid option. This plan was created to expand Medicaid to more people. It provides health care benefits to Michigan residents at a low cost. To be eligible for the Healthy Michigan Plan you must be:

• Ages 19–64

• Not currently eligible for Medicaid • Not eligible for or enrolled in Medicare

• Not pregnant when applying for the Healthy Michigan Plan • Have income at or below 133% of the federal poverty level

($16,000 for a single person or $33,000 for a family of four) • A resident of Michigan

The Healthy Michigan Plan includes many health care benefits and services covered under the federal health care law. This means it’s easier to get the health care you need at a cost you can afford. The Healthy Michigan Plan includes the following services:

• Doctors visits • Dental care • Emergency visits • Hospitalization • Lab services and fees • Maternity care • Mental health and

substance abuse treatment • Prescription drugs • Preventative and wellness

treatment and chronic disease management

• Pediatric services for 19 to 20 year olds including dental and vision care • Rehabilitation service and

equipment

There are three easy ways to enroll in the Healthy Michigan Plan: • Visit michigan.gov/mibridges*

• Call the Michigan Health Care Hotline at 1-855-789-5610 • Visit your local Department of Human Services office

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After you enroll in a Healthy Michigan Plan, you will be asked to fill out a Health Risk Assessment Form. You may receive the form in the mail, or at your doctor’s office. The form is also online at

michigan.gov/healthymiplan.* You should also make an appointment

with your doctor. Together, you will go over the Health Risk Assessment Form. After the appointment, your doctor will sign the form and mail it back to your health plan. The form should be completed each year. The Healthy Michigan Plan has copays. After you are enrolled in a health plan, most copays will be paid through a special health care account called the MI Health Account. The monthly amount you pay will be based on the services you receive in the first six months. If you have an income between 100-133% of the federal poverty level, you will also be required to contribute a small amount of your yearly wages for cost sharing purposes. You will get more information about your MI Health Account, copays and contributions from your health plan. You can also see the chart of copayments below.

Covered services Copay

Physician office visits

(including free-standing urgent care centers) $ 2

Outpatient hospital clinic visit $ 1

Emergency room visit for non-emergency services • Copayment ONLY applies to non-emergency

services

• There is no co-payment for true emergency services

$ 3

Inpatient hospital stay

(with the exception of emergent admissions) $ 50

Pharmacy $ 1 generic

$ 3 brand

Chiropractic visits $ 1

Dental visits $ 3

Hearing aids $ 3 per aid

Podiatric visits $ 2

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You can reduce your copays by working to improve your health. Copays are not required for certain services that help you get or stay healthy. These include preventive services and services that help you manage a chronic condition.

2. The Health Insurance Marketplace

The Health Insurance Marketplace is a government website. You can visit the Marketplace at healthcare.gov.* This is where you can shop for and compare health plans. You can apply for health coverage and tax credits. If your income is between 100 percent and 400 percent of the federal poverty level, you may be eligible for tax credits or a subsidy. This will help lower the cost of your health coverage. To get an estimate of the subsidy for which you might be eligible, go to

bcbsm.com/subsidy.

There are four types of plans available in the Marketplace: • Bronze plans cover 60% of health care

costs

• Silver plans cover 70% of health care costs • Gold plans cover 80% of health care costs • Platinum plans cover 90% of health care

costs

To enroll in a plan on the Marketplace, you will need:

q _{Number of dependents. This is the} number of people you claimed on your last tax return.

q _{Social Security number(s) or immigration} document number(s).

q Estimated household income. This is the

yearly income for you and each of your dependents. This can be found on last year’s W-2 tax forms.

q Policy numbers for current insurance. Questions about health insurance or how to get coverage?

Reduced cost sharing is only available if people chose a silver plan. In some cases, it will be less expensive to choose a silver plan than a bronze plan.

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If you have questions about health care reform, health plans and enrolling in coverage:

• Visit HealthCareReformBasics.com/Now for information on health care reform • Visit Healthcare.gov

for information on the health insurance marketplace • Visit bcbsm.com/getinsurance

for information on Blue Cross health plans and costs • Visit insurance.bcbsmseminars.com

for information on educational sessions near you

• Call Blue Cross Blue Shield of Michigan at 1-855-269-9898 with any other questions

If you would like to speak with us in person, you can visit one of our 11 statewide walk-in centers. Visit bcbsm.com/index/health-

insurance-help/locations.html and type in your ZIP code to find your

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Antrim

Antrim County Department

of Human Services

205 E. Cayuga St. Bellaire, MI 49615 231-533-8664 michigan.gov

Arenac

Arenac County Department

of Human Services

3709 Deep River Rd. Standish, MI 48658 989-895-2100 michigan.gov/dhs

Baraga

Baraga County Department

of Human Services

108 Main St. Baraga, MI 49908 906-353-4700 michigan.gov

Clare

Clare County Department of

Human Services

725 Richard Dr. Harrison, MI 48625 989-539-4260 michigan.gov/dhs

Clinton

Clinton County Department

of Human Services

105 W. Tolles Rd. St Johns, MI 48879 989-224-5500 michigan.gov/dhs

Crawford

Crawford County Community

Mental Health

230 Huron Grayling, MI 49738 989-348-7691 michigan.gov

Delta

Delta County Community

Mental Health

305 Ludington St. Escanaba, MI 49829 906-786-5394 michigan.gov

Dickinson

Dickinson County

Community Mental Health

1401 Carpenter Ave., Suite A Iron Mountain, MI 49801 906-779-4100

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Eaton

Eaton County Department of

Human Services

1050 Independence Charlotte, MI 48813 517-543-0860 michigan.gov/dhs

Gladwin

Gladwin County Department

of Human Services

675 E. Cedar Ave. Gladwin, MI 48624 989-426-3300 michigan.gov/dhs

Gogebic

The following organizations pro-vide dental or vision services only.

Dental services

Alger

Sterling Area Health Center

Dental Clinic

5095 Rifle River Trl. Alger, MI 48610 989-654-2491

Chippewa

Sault Tribal Health Center –

Dental Program

2864 Ashmun St.

Sault Ste Marie, MI 49783 906-632-5260

Iron

Dickinson-Iron Dental Center

211 S. Fourth St., Suite B Crystal Falls, MI 49920 906-875-6133

upruralhealth.org

Mackinac

West Mackinac Dental Clinic

W. 14034 Melville St. Engadine, MI 49827 906-477-6090

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Marquette

Sawyer Dental Center

301 Explorer, Suite B Gwinn, MI 49841 906-372-9267 upruralhealth.org

Discount Dental Plans

888-632-5353 dentalplan.com

Vision services

Eye Care America

800-222-3937 eyecareamerica.org

Lions Club International

630-571-5466 lionsclubs.org

Vision USA

800-766-4466 aoa.org

Mental health and

substance abuse services

Every county in Michigan has a community mental health agency. The agency provides mental health and substance abuse ser-vices for residents in that county. For more information, see the list of agencies below by county or visit mhweb.org/directory.htm.*

Alcona

Northeast Michigan

Community Mental Health –

Montmorency

311 Lake St.

Harrisville, MI 48740 nemcmh.org

Alger

Pathways – Alger Office

601 W. Superior St. Munising, MI 49862 906-786-6441 pathwaysup.org

Alpena

Northeast Michigan

Community Mental Health –

Alpena

400 Johnson St. Alpena, MI 49707 989-356-2161 nemcmh.org

Antrim

North Country Community

Mental Health – Antrim

County

203 E. Cayuga Bellaire, MI 49615 231-533-8619 norcocmh.org

Baraga

Baraga County Center

15644 Skanee Rd. L’Anse, MI 49946 906-524-5885 cccmh.org

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Charlevoix

North Country Community

Mental Health - Charlevoix

County

6250 M-66 North Charlotte, MI 49720 231-547-5885 norcocmh.org

Cheboygan

North Country Community

Mental Health – Cheboygan

County

825 S. Huron, Suite 4 Cheboygan, MI 49721 231-627-5627 norcocmh.org

Chippewa

Hiawatha Behavioral Health

– Chippewa Office

3865 S. Mackinac Trl. Sault Ste Marie, MI 49783 906-632-2805

hbhcmh.org

Crawford

Northern Lakes Mental

Health - Crawford

204 Meadows Dr. Grayling, MI 49738 989-348-8522 northernlakescmh.org

Delta

Pathways - Delta Office

2820 College Ave. Escanaba, MI 49829 906-786-6441 pathwaysup.org

Dickinson

NorthPoint Behavioral

Healthcare – Kingsford Office

715 Pyle Dr.

Kingsford, MI 49802 906-774-0522

nbhs.org

Emmet

North Country Community

Mental Health – Emmet

County

1420 Plaza Dr. Petoskey, MI 49770 231-347-6701 norcocmh.org

Gogebic

Gogebic Community Mental

Health

130 U.S. 2

Wakefield, MI 49968 906-229-6120

gccmh.org

Grand Traverse – Leelanau

Northern Lakes Mental Health

– Grand Traverse/Leelanau

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Houghton

Rice Memorial Center

901 W. Memorial Dr. Houghton, MI 49931 906-482-9400

cccmh.org

Rice Memorial Center –

CLK Branch

56938 Calumet Ave. Calumet, MI 49913 906-337-5810 cccmh.org

Iron

NorthPoint Behavioral

Healthcare – Iron River Office

703 Second Ave. Iron River, MI 49935 906-265-5126 nbhs.org

Kalkaska

North Country Community

Mental Health – Kalkaska

County

625 Courthouse Dr. Kalkaska, MI 49646 231-258-5133 norcocmh.org

Luce

Pathways – Luce Office

14126 County Rd. Newberry, MI 49868 906-293-3284

pathwaysup.org

Mackinac

Hiawatha Behavioral Health

– Mackinac Office

114 Elliot St. St. Ignace, MI 49781 906-632-2805 hbhcmh.org

Manistee

Centra Wellness Network

2198 US -31 S Manistee, MI 49660 231-723-6516 centrawellness.org

Marquette

Pathways – Marquette Office

200 W. Spring St. Marquette, MI 49855 906-225-1181 pathwaysup.org

Menominee

NorthPoint Behavioral

Healthcare – Menominee Office

401 Tenth Ave. Menominee, MI 49858 906-863-7841 nbhs.org

Montmorency

Northeast Michigan

Community Mental Health –

Montmorency

630 Caring St. Hillman, MI 49746 989-742-4549 nemcmh.org

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Ontonagon

Ontonagon County Center

515 Quartz St.

Ontonagon, MI 49953 906-884-4804

cccmh.org

Otsego

North Country Community

Mental Health – Otsego

County

800 Livingston Blvd. Gaylord, MI 49735 989-732-7558 norcocmh.org

Northern Michigan

Substance Abuse Services, Inc.

2090 W. M-32 Gaylord, MI 49735 989-732-1791 nmsas.net

Presque Isle

Northeast Michigan

Community Mental Health –

Presque Isle

156 N. 4th St. Rogers City, MI 49779 989-734-7223 nemcmh.org

Roscommon

Northern Lakes Mental

Health – Roscommon

Schoolcraft

Hiawatha Behavioral Health

– Schoolcraft Office

125 N. Lake St. Manistique, MI 49854 906-341-2144 hbhcmh.org

Wexford/Missaukee

Northern Lakes Mental

Health – Wexford/Missaukee

527 Cobbs St. Cadillac, MI 49601 231-775-3463

northernlakescmh.org

Free and low-cost

health centers

Below is a list by county of places you can go for free or low-cost medical care. Many of these clinics may provide additional services, such as dental services, vision services and mental health treatment. Always call before you go to make sure the hours and services meet your needs.

Alcona

Alcona Health Center

Harrisville

205 N. State St., Suite A Harrisville, MI 48740 989-724-5655

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Alcona Health Center Lincoln

177 N. Barlow Rd. Lincoln, MI 48742 989-736-8157 alconahealthcenters.org

Alpena

Alcona Health Center Alpena

1185 US-23 North Alpena, MI 49707 989-356-4049

alconahealthcenters.org

Alcona Health Center

Ossineke

11745 US-23, South Ossineke, MI 49766 989-471-2156

Free Clinic of Alpena

1600 W. Chisholm Alpena, MI 49707 989-354-3888

Antrim

Bellaire Family Health Center

307 E. Cayuga St. Bellaire, MI 49615 231-533-8649 ejfhc.org

Central Lake Family Health

Center

7960 W. Old State St. Central Lake, MI 49622 231-544-3700 ejfhc.org

Charlevoix

East Jordan Family Health

Center

601 Bridge St.

East Jordan, MI 49727 231-536-2206

ejfhc.org

Boyne Area Free Clinic, INC

624 State St.

Boyne City, MI 49712 231-582-4605

boyneareafreeclinic.com

Cheboygan

Northern Care Center

117 W. State St.

Cheboygan, MI 49721 231-333-3019

Chippewa

Community Health Access

Coalition – Sault Ste. Marie

143 Arlington St.

upchac.org

Bay Mills Health Center

12124 W. Lakeshore Dr. Brimley, MI 49715 906-248-5527

baymillshealthcenter.com

Community Care Clinic

509 Osborn Blvd.

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Crawford

Ausable Free Clinic

1200 N. Down River Rd. Grayling, MI 49738 989-348-0740 ausablefreeclinic.org

Delta

Escanaba Medical Clinic

710 S Lincoln

Escanaba, MI 49829 906-786-4628

Dickinson

Kingsford Medical Clinic

800 East Blvd.

Iron Mountain, MI 49801 906-774-4000

Care Free Dental of

Dickinson & Florence

500 S. Stevenson Ave. Iron Mountain, MI 49801 906-774-7900

carefreedental.org

Emmet

Community Health Center of

Northern Michigan

3434 M-119, Suite C Harbor Springs, MI 49740 231-348-9900 alconahealthcenters.org

Grand Traverse

Grand Traverse County

Youth Health and Wellness

Center

880 Parsons Rd.

Traverse City, MI 49686 231-922-6416

Traverse City Clinic

10767 Traverse Hwy. Traverse City, MI 49684 231-947-0351

nmhsi.org

Traverse Health Clinic

3147 Logan Valley Rd. Traverse City, MI 49684 231-935-0799

traversehealthclinic.org

Houghton

Quincy Hill Health Center

51024 U.S. Highway 41 Hancock, MI 49930 906-483-2358 upruralhealth.org

Iosco

Alcona Health Center Oscoda

5671 N. Skeel Dr., Suite 8 Oscoda, MI 48750 989-739-2550

Iron

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Luce

Community Health Access

Coalition – Newberry

500 W. McMillan Newberry, MI 49868 906-293-8355 upchac.org

Mackinac

Community Health Access

Coalition – St. Ignace

594 N. State St. St. Ignace, MI 49781 906-643-7253

upchac.org

Mackinac Straits Rural Health

Center

1140 N. State St. St. Ignace, MI 49781 906-643-0466

Manistee

Bear Lake / Onekama Clinic

6433 Eight Mile Rd. Bear Lake, MI 49614 231-889-5600

nmhsi.org

Marquette

Marquette General Family

Medicine – Marquette

5087 U.S. 41 S. Marquette, MI 49855 906-249-5589

mgh.org

Upper Peninsula Medical

Center

1414 W. Fair Ave., Suite 36 Marquette, MI 49855 906-225-3905

penmed.com

Upper Great Lakes Family

Health Center – Gwinn

135 E. M-35 Gwinn, MI 49841 906-346-9275 uglhealth.org

Upper Great Lakes Family

Health Center – Sawyer

301 Explorer St. Gwinn, MI 49841 906-346-4924 uglhealth.org

Marquette Alger Health

Center

700 W. Washington St. Marquette, MI 49855 906-228-8238 upruralhealth.org

Menominee

Northern Menominee Health

Center

N16088 Balsam Ln. Spalding, MI 49886 906-497-5263 upruralhealth.org

Northern Menominee Health

Center South Harbors

1110 Tenth Ave.

Menominee, MI 49858 906-864-0151

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Missaukee

Great Lakes Family Care

McBain

117 N. Roland St. McBain, MI 49657 231-825-2643 alconahealthcenters.org

Montmorency

Thunder Bay Health Services

– Atlanta

11899 M-32 Atlanta, MI 49709 989-785-4855 tbchs.org

Thunder Bay Health Services

– Hillman

15774 State St. Hillman, MI 49746 989-742-4583 tbchs.org

Ogemaw

Ogemaw Clinic

1827 E. Greenwood Rd. Prescott, MI 48756 989-873-6200 sterlinghealth.net

Ontonagon

Ewen Medical & Dental

Center

200 S. Elm St. Ewen, MI 49925

Presque Isle

Thunder Bay Health Services

– Onaway

21258 W. M-68 Onaway, MI 49765 989-733-2082 tbchs.org

Onaway School Based Health

Center

4549 M-33 Hwy. Onaway, MI 49765 989-733-4980 tbchs.org

Thunder Bay Health Center –

Rogers City

205 S. Bradley Hwy. Rogers City, MI 49779 989-734-2052 tbchs.org

Roscommon

MidMichigan Health Park

Houghton Lake

9249 W. Lake City Rd. Houghton Lake, MI 48629 989-422-5122

midmichigan.org/CHS

Mid Michigan Medical

Offices Roscommon

135 Lake St.

Roscommon, MI 48653 989-275-8931

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Houghton Lake School Based

Health Clinic

4433 W. Houghton Lake Dr. Houghton Lake, MI 48629 989-366-2061 midmichigan.org/CHS

Roscommon School Based

Health Clinic

299 E. Sunset Dr. Roscommon, MI 48653 989-275-6658 midmichigan.org/CHS

Wexford

Great Lakes Family Care

520 Cobb St. Cadillac, MI 49601 231-775-6521

Stehouwer Free Clinic

201 N. Mitchell St., Suite L-1 Cadillac, MI 49601

231-876-6152

Helplines and

Special Programs

Mammogram and Pap Smear

Referral Program

800-922-6266

Nursing Home Helpline

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Additional Resources

• United Way 2-1-1 Collaborative can help with food, housing,

employment, health care, counseling and more. Dial 2-1-1 or visit mi211.org* for quick and easy access to information about services in your community.

• Findcare.org* lists over 500 health care clinics in Michigan. This

makes it easy to find the clinics, the services they offer and how to contact them.

Understanding health insurance and how

to access health care services

Once you’ve enrolled in a health plan, you can use it to cover medical care costs, fill prescriptions at the pharmacy or get emergency care. There are five costs that make up a health plan. They are:

1. Premiums. A fixed monthly amount paid to the insurance

company for health coverage. This cost varies based on what’s covered in your plan and the doctors you see.

2. Copayments. Fixed dollar amounts you pay at the time of your

services, such as a doctor visit.

3. Deductible. A fixed dollar amount paid by you for medical

services before the insurance company starts to pay. You pay 100 percent of covered medical costs until the deductible amount is reached. Preventative services are covered 100 percent and don’t count toward the deductible.

4. Coinsurance. A fixed percentage of cost of covered services that

is shared with the insurance company after the deductible is met. For example, an 80/20 coinsurance means the insurance company pays 80 percent and you pay 20 percent.

5. Out of pocket maximum. This is the maximum amount you pay

in deductibles, copayments and coinsurance in one plan year. Once you meet the out of pocket maximum, the health insurance company will typically cover 100 percent of covered services for

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To get the best care possible, it’s important for you to play an active role in your own health care. Work closely with your doctor to get the best possible care. Ask questions about prevention, diagnosis, treat-ment and recovery. This will help ensure your safety, prevent errors and improve your overall health. Below are some tips on how to find a doctor, make an appointment and talk with your doctor.

Find a doctor

• For Blues members visit: bcbsm.com/find-a-doctor.

• If you have a different health plan, go to healthgrades.com* to find a list of doctors along with their ratings.

Make the most of your appointment

• Locate your health plan ID card, photo ID or Social Security number. • Gather a list of current medical records including medications,

immunizations, allergies and family medical history.

• Write down questions and concerns you want to cover with your doctor.

• Understand your costs.

• Follow your doctor’s advice and schedule follow-up appointments.

Where to go for health care

Your primary care physician, or PCP, is the best place to start when an illness or injury occurs. When your PCP isn’t available, it’s okay use a local urgent care center. Urgent care centers treat illnesses that are not life-threatening. They also treat medical issues that may grow worse if you leave them untreated. The hospital or emergency room should be used only in the case of serious, potentially life-threatening medical emergencies.

*Blue Cross Blue Shield of Michigan does not control this website or endorse its general content.

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Need medical care today and feel safe to wait a few hours.

Examples are:

• Tried but could not reach my doctor

• Reached the doctor and told to go to an Urgent Care Center

Where do I go?

(Or, where do I take my child or parent?)

I’m sick or hurt...

CALL OR SEE

MY DOCTOR

GO TO

URGENT

CARE

GO TO

EMERGENCY

ROOM OR

Need medical care and feel safe to wait a day. Examples are: • Runny nose • Simple backache • Sore throat • Earache

Need medical care now and do not feel safe to wait.

Examples are:

• Trouble breathing or chest pain

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Help With Health Care. Resources for the uninsured. Northern Michigan

Northern Michigan