Insurance in Grand Rapids
Data source: US Census year 2000
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Uninsured in Kent County
Grand Rapids is the county seat of Kent County.
One out of ten people in Kent County (10.5%) lack health insurance. In the state of Michigan, 11.3% are without.
Among the population under 18 years in Kent County, 6.4% are uninsured, while the figure for Michigan is 8.1%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Grand Rapids
Cities are generally less safe to live in than small towns. Violent crime in Grand Rapids is 120.3% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Grand Rapids is 64.3% higher than nationally.
There are 4415 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Grand Rapids (2% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 89% of Grand Rapids residents drove to work, and 2% used public transport. 4% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Grand Rapids, Michigan Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Grand Rapids, Michigan
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Aflac
(616) 656-26804771 50th St Se
Grand Rapids, Michigan 49512-5403 -
Aflac Frank S Archer
(616) 363-75301023 Aberdeen St Ne
Grand Rapids, Michigan 49505-3818 -
Alexis, N Keith - State Farm Insurance Agent
(616) 363-48891555 Diamond N E
Grand Rapids, Michigan 49505-5217 -
Art Schmidt Jr Insurance Agent
(616) 785-1626
Grand Rapids, Michigan 49503 -
Asr Corporation
(616) 957-17513033 Orchard Vista Dr Se Ste 200
Grand Rapids, Michigan 49546-7001 -
Baas Ted J Ins
(616) 949-90003230 Broadmoor Ave Se
Grand Rapids, Michigan 49512-8180 -
Bartus, Ann F
(616) 245-19582050 Breton SE Ste 108
Grand Rapids, Michigan 49546 -
Betz Bryan
(616) 676-97681086 Foxchase Ln Se
Grand Rapids, Michigan 49546-3820 -
Boogaart, Phillip J - State Farm Insurance Agent
(616) 459-13491549 Michigan Ave NE
Grand Rapids, Michigan 49503-2007 -
Deyoung Insurance Agency Llc
(616) 245-50473085 Baker Park Dr Se
Grand Rapids, Michigan 49508-1474 -
Dionise, Alfred - State Farm Insurance Agent
(616) 453-22061345 Walker Village Dr
Grand Rapids, Michigan 49544-2289 -
Dykstra Agency Inc Dykstra James E Ins
(616) 364-94214260 Plainfield Ave Ne
Grand Rapids, Michigan 49525-1629 -
Dykstra Scott A Ins
(616) 364-94214260 Plainfield Ave Ne
Grand Rapids, Michigan 49525-1629 -
Fie Financial Group
(616) 285-2884
Grand Rapids, Michigan 49503 -
First Insurance Enterprises Inc
(616) 285-28846143 28th St Se
Grand Rapids, Michigan 49503-6941 -
Garner, Michael S - State Farm Insurance Agent
(616) 949-86574895 Cascade Rd SE
Grand Rapids, Michigan 49546-3777 -
Gilbert James L
(616) 532-85412851 Charlevoix Dr Se Ste 204
Grand Rapids, Michigan 49546-7090 -
Gordon Kerr Ins Agcy Inc - State Farm Insurance Agent
(616) 453-54154310 Leonard NW Ste 101
Grand Rapids, Michigan 49544-8447 -
Grotenhuis Group the
(616) 949-7950660 Cascade West Pkwy Se
Grand Rapids, Michigan 49546-2147 -
Hankins, William T - State Farm Insurance Agent
(616) 942-19403283 E Paris Ave
Grand Rapids, Michigan 49512-2962 -
Harrison Tom Insurance Agency Inc
(616) 361-02005241 Plainfield Ave Ne Ofc
Grand Rapids, Michigan 49525-1060 -
Helder, Douglas J - State Farm Insurance Agent
(616) 949-28866275 28th Street SE Suite E
Grand Rapids, Michigan 49546-1799 -
Henwood James A
(616) 949-61233501 Lake Eastbrook Blvd SE
Grand Rapids, Michigan 49546 -
James H Robinson Ins Agcy Inc - State Farm Insurance Agent
(616) 453-63734172 Lake Michigan Dr NW
Grand Rapids, Michigan 49544-4527 -
Jordan, Craig - State Farm Insurance Agent
(616) 942-57671550 East Beltline SE Ste 170
Grand Rapids, Michigan 49506-4362 -
Kerr, Chadwick G - State Farm Insurance Agent
(616) 245-19582440 28th St SE
Grand Rapids, Michigan 49512-5547 -
Koorndyk, Daniel M - State Farm Insurance Agent
(616) 452-97213219 Eastern Ave SE
Grand Rapids, Michigan 49508-2459 -
Marino Insurance Services
(616) 977-31032851 Charlevoix Dr Se Ste 112
Grand Rapids, Michigan 49546-7089 -
Mills Jr, Robert E L - State Farm Insurance Agent
(616) 363-77312730 5 Mile Rd NE
Grand Rapids, Michigan 49525-6518 -
Nase National Association For the Self-Employed
(616) 785-1626Michigan
Grand Rapids, Michigan 49503 -
Nase the National Association For the Self-Employd
(616) 464-5651688 Cascade West Pkwy Se
Grand Rapids, Michigan 49546-2158 -
ODonnell, Michael J - State Farm Insurance Agent
(616) 451-28571235 Fuller N E
Grand Rapids, Michigan 49505-5532 -
Pillsbury, Paul E - State Farm Insurance Agent
(616) 531-6700333 44th St SW
Grand Rapids, Michigan 49548-4107 -
Robert J Barrera Ins Agcy Inc - State Farm Insurance Agent
(616) 942-15202750 Birchcrest Dr SE
Grand Rapids, Michigan 49506-5411 -
Ryan Deward
(616) 827-8161
Grand Rapids, Michigan 49508 -
Schmidt Art Jr Insurance
(616) 785-1626
Grand Rapids, Michigan 49503 -
Schwaiger & Associates
(616) 735-2773425 Standale Plz Nw
Grand Rapids, Michigan 49544-4539 -
The Griswold Group
(616) 954-22441504 Coit Avenue NE
Grand Rapids, Michigan 49505-4907 -
Van Hill Insurance Agency
(616) 455-7756
Grand Rapids, Michigan 49503 -
Verseput, Jean M - State Farm Insurance Agent
(616) 365-13005280 Northland Dr NE Ste A
Grand Rapids, Michigan 49525-1067 -
Webster, Dean E - State Farm Insurance Agent
(616) 455-7060430 68th St SW Ste 3
Grand Rapids, Michigan 49548-7968
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Grand Rapids Facts
Data source: US Census year 2000
Population
Population in Grand Rapids is 184,369.
68% of Grand Rapids residents are White, 22% are African-American, 6% are of some other race, 3% are a mix of two or more races, 1% are Native American, and 1% are Asian.
Economy
The median income in Grand Rapids is $23,431 for men, and $18,699 for women.
Compared to the typical person in the state of Michigan, a resident of Grand Rapids makes 21.9% less. The trend for Michigan is that the median income is increasing. (2006)
18,320 people (10% of the population) were living on an income below the poverty level as of 2006. The poverty in Grand Rapids was increasing compared to the year before.
The typical home is worth $126,300. 27% of Grand Rapids homeowners own their home outright, paying typically $398 per month in owner costs. Among those with a mortgage (73% of homeowners), the median monthly owner cost is $1,086. (2006)
Housing
There are a total of 80,583 homes in Grand Rapids. Of these, 1,155 were for sale, and 2,263 homes were available to rent in 2006. 44,249 (61%) were owner-occupied, and 28,377 (39%) were occupied by renters. (2006)
Age
The median age for men in Grand Rapids is 31, and in Michigan the average man lives to be 74. The median age for women in Grand Rapids is 33, and women in Michigan live to be 79, on average. (2006)
Education
The education level in Grand Rapids is high compared to the national average.
Among men over 25, 34% has a college degree, and 22% has some college. Out of the men that didn't study in college, 53% graduated from High School, and 47% dropped out.
Among women over 25, 35% has a college degree, and 20% has some college. Out of the women that didn't study in college, 65% graduated from High School, and 35% dropped out. (2006)
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