WE CAN HELP FIND THE RIGHT
PLAN IV
YOUR FUTURE
Your Trusted Health Insurance & Benefits Partner in Troy, MI
WE CAN HELP FIND THE RIGHT
PLAN IV
YOUR FUTURE
Your Trusted Health Insurance and Benefits Partner in Troy, MI
Trusted by Over 1,200 Businesses—And the Individuals Behind Them
All-in-One Insurance Solutions for Individuals, Families & Businesses in Troy, MI
Tired of hidden costs and confusing coverage? At Plan IV, we offer clear, dependable insurance solutions—no surprises, no guesswork. Whether you need health, dental, or retirement planning, our team connects you to trusted plans and providers that fit your life and your budget.
We’ll match you with the right health, dental, or retirement options.
Health Care Plans
Dental Plans
Vision Plans
Group Medical Cover
Supplemental Insurance
Retirement Plans
Support Your Team with Smarter Health Benefit Solutions
Advice You Can Count On.
Plans Your Employees Can Trust.
Our group medical plans help protect your team from rising healthcare costs—while providing reliable access to quality care, specialists, and preventive services.
Beat Medical Inflation
Get Access To Specialists
Best Quality Healthcare
Medicare Supplement Plans
Tax Savings
Preventive Wellness Visits
Advice You Can Count On
A medical insurance plan is extremely important since it provides full coverage against ever-increasing healthcare expenses
Beat Medical Inflation
Get Access To Specialised
Best Quality Healthcare
Avail Cashless Hospitalization
30% Save Tax
Preventive Health Check-Up Coupons
Explore Our Individual & Family Health Insurance Plans
Individual & Family
Through a personalized consultation, we’ll help you choose the right health, dental, and life insurance plans to fit your lifestyle, budget, and future needs.
Small Business Insurance
In today’s competitive job market, offering great benefits isn’t optional—it’s essential. We help employers build flexible, cost-effective benefit packages that attract and retain top talent.
Insurance Plans For You
Plan IV helps individuals, families, and small businesses navigate health, life, and retirement insurance options—so you can make confident, informed decisions about your future.
Frequently Asked Questions
Helping You Make Confident Choices About Health, Benefits, and Coverage
1. What types of individual and family health insurance plans are available in Troy, MI?
There are several plan types available in Troy, including PPO, HMO, EPO, and POS options. At Plan IV, we’re based right here in Troy and help individuals and families choose the best coverage for their needs—from local providers to national networks—while staying within budget.
2. Can small business owners offer health insurance if they have just a few employees—or none?
Yes. Whether you’re a solo entrepreneur or a growing team in Troy, we’ll walk you through the most practical group coverage or reimbursement options. We specialize in helping Southeast Michigan businesses find smart, flexible solutions.
3. Are there tax advantages for businesses offering health benefits in Michigan?
Yes. Many Michigan-based businesses qualify for tax credits and deductions when providing employee benefits. We’ll help you explore those options and make the most of what’s available to you under current Michigan and federal laws.
4. Will pre-existing conditions be covered in the plans you recommend?
Yes. All plans we work with meet federal ACA guidelines, meaning coverage is guaranteed regardless of pre-existing conditions. Whether you’re in Troy or anywhere in Michigan, your past health history won’t prevent you from getting covered.
5. What qualifies someone in Michigan for a health insurance special enrollment period?
If you live in Michigan and experience a life event like marriage, childbirth, job loss, or relocation, you may be eligible for special enrollment. We’re based in Troy and are happy to help you understand if your situation qualifies and what your options are.
6. What preventive care is typically included in your health plans?
Most plans we offer include annual checkups, screenings, vaccines, and other preventive services at no extra cost. We focus on coverage that helps you stay healthy—not just treat illness.