Michaels & Associates
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We have been providing insurance services to Arizona families and businesses for over 30 years. For 28 of those years, we have been proud members of the Chandler Chamber of Commerce. We handle the health insurance needs for the employees and businesses that are members of the Chandler Chamber of Commerce. Being a small, family-owned operation enables us to build lasting relationships with our customers by offering name-brand products and services in a professional, yet personalized manner.

We look forward to serving you!
Services
Health Insurance
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Health insurance policies come in various forms.
Two of the most common policies are major medical and short term (interim) major medical.
These policies cover basically everything from doctor visits, prescriptions to hospitalizations and surgeries.
These policies are offered by many insurance companies with various options and exclusions.
The typical policy covers you for doctor visits, (well or sick), prescriptions (RX card), urgent care facilities, x-ray, imaging, surgeries and hospitalizations (inpatient and outpatient).
Medicare Supplements
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A Medicare Supplement policy is a health insurance policy sold by private insurance companies to fill the "gaps" in Medicare Plan coverage.
These policies must cover certain expenses, such as the daily coinsurance amount for hospitalization.
There are 10 standardized plans called "A" through "J".
Each plan A through J has a different set of standardized benefits.
Plan A offers the least amount of benefits and Plan J offers the most benefits.
Some policies may offer additional benefits, such as coverage for preventive medical care, prescription drugs, or at-home recovery.
Long Term Care
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Long-term care insurance provides funding that helps pay the cost of a stay in a nursing home, assisted-care living facility, adult day care center or care in your own home if you are unable to care for yourself.
Medicare and regular health insurance do not cover long-term care.
A study conducted in 1987 showed that Medicare paid for less than 2% of the costs and private insurance paid for even less.
Medicaid paid for 42% of the expenses, and the patient or his or her family paid over one-half of these costs.
Dental & Vision
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Delta Dental has two PPO plans, the Enhanced plan is $46.42/month for one, $91.34/month for two, $144.70/month for three or more.
This application is done online and requires a credit card.
Please contact Tammy in our office to apply.
BCBS also has a PPO plan, most people pick plan 6. BCBS is done via paper application and they bill you each month.
If you want the BCBS dental, please contact Tammy to enroll.
TDA offers a dental HMO.
This is the cheapest plan BUT requires you to pick a plan on the list and use that dentist.
Life Insurance
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Life insurance helps to ensure that your family and loved ones are protected against financial difficulties in the event of a premature death.
This section gives you basic information about various types of life insurance.
Term insurance provides protection for a specific period of time.
Term insurance only provides a death benefit; there is no cash value in the policy.
For this reason, term insurance is very affordable, which is why it's the most popular life policy sold.
Term life insurance is for temporary needs.
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