Final Expense Life Insurance Quoter

Ram Mishra is a Licensed Life and Health Agent with access to multiple insurance companies to help you find quality, affordable health insurance. The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford. Contact Ram directly through the contact form below or by calling 269-359-5606 for a health insurance quote. 

Individual and Family Health Insurance Plans


Our agents are expert in the field of healthinsurance in Michigan. Did you know that some insurance laws and plan prices differ from state to state? We will help you get the best plan for your money, wherever you happen to live.

No matter what type of insurance you are looking to buy, it is important to us that you get it right first time. This could save you a lot of stress - and possibly lots of money.

Group Health Insurance for Employers


There are several types of group health insurance plans including HMO, PPO, etc. Group health insurance is also known as employer-sponsored health insurance or job based health insurance. A group health insurance plan is a group health plan, but a group health plan is not always a group health insurance plan.

For more information on getting a group health insurance plan for your employees in your business or workplace, please contact us using the form below and an agent will be in contact with you. 

Special Enrollment Period

Open Enrollment in Michigan ends December 15th, 2018, meaning that the only way to buy health insurance for the upcoming year is to qualify for a Special Enrollment Period. These are 60-day windows following certain life events, when you and your family can buy health insurance. They usually involve a change in family status or loss of health coverage.

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Plans by Network Type

  • Exclusive Provider Organization (EPO): These types of plans cover care provided by doctors, specialists, or hospitals exclusive to the plan’s network (except in an emergency). As a member of this plan, you may not need a referral from your primary care doctor to see a specialist in the plan’s network.
  • Health Maintenance Organization (HMO): These types of plans limit coverage to care from only the doctors in the plan’s network. It generally won't cover out-of-network care except in an emergency. HMOs often require members to get a referral from their primary care physician in order to see a specialist.
  • Point of Service (POS): These types of plans allow you to pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. Members can still seek out-of-network care, but will typically pay more. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
  • Preferred Provider Organization (PPO): These types of plans allow you to pay less if you use providers in the plan’s network. However, you can use doctors, hospitals, and providers outside of the network without a referral but potentially at higher costs.

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Office: 269.425.1211
Agency Hours:
Weekdays: By appointment
Weekends: By appointment