How insurance works

We'll help you understand how insurance works and help you find the plan that's right for you.

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We've got you covered.

Whether you need to enroll in coverage or you need help understanding your coverage, we're here to help.

We can help with denied claims

Find out if you're covered

If you want to make sure you're covered, you can contact your insurance directly to find out about your unique plan. Our Financial Counselors are also here to help.

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The affordable care act

The Affordable Care Act (ACA) specifies that all health insurance plans offer basic medical care, including annual physicals and recommended preventive services. The ACA also specifies that you cannot be refused insurance coverage because of a pre-existing condition.

We are ACA-certified, so we can help determine whether you qualify for insurance through the ACA's Exchange Marketplace which offers lower-cost insurance plans, based on financial need.

Get help picking out a plan

You have many choices when it comes to picking out a plan. Our Financial Counselors are ACA certified and can help guide you through the process of selecting and enrolling in the one that's best for you. This is a free service and can happen at any Spectrum Health location. The annual open enrollment period is November 1, 2021 to January 15, 2022.

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Talk to a Financial Counselor

If you have any questions or need help with your insurance, we're here for you.