INSURANCE, FINANCIAL PLANNING AND BUSINESS BENEFITS
PLAN IV
MAKES IT SIMPLE
Insurance, Financial Planning & Employee Benefits Across Michigan
Licensed Michigan Advisors serving individuals, families, and small businesses across Michigan.
Plan IV helps individuals, families, business owners, and HR teams across Michigan make informed decisions about insurance, financial protection, retirement planning, employee benefits, and HR programs. As an independent advisory firm, we help clients compare options, understand costs and coverage, and choose solutions that support their personal or business goals.
FIND YOUR HEALTH PLAN
PLAN IV
MAKES IT SIMPLE
Insurance, Financial Planning & Employee Benefits Across Michigan
Plan IV helps individuals, families, business owners, and HR teams across Michigan make informed decisions about insurance, financial protection, employee benefits, and workforce programs. From its Troy office, Plan IV helps clients compare options, understand costs, and choose solutions that support their personal or business goals.
Insurance, Financial Planning and Business Benefits Across Michigan
Plan IV helps individuals, families, business owners and HR teams understand their options and choose a clear path forward.
Individual & Family Insurance Plans
Compare health insurance, Medicare, dental, vision, life, disability and supplemental coverage for your personal needs.
Explore Personal InsuranceFinancial Protection & Planning
Plan for retirement, protect your income and family, and prepare for future financial needs with guidance from Plan IV.
Explore Financial PlanningBusiness
& HR Team Plans
Build employee benefit programs, review group insurance options, support employees, and access HR programs for your organization.
Explore Business PlansHealth Insurance and Medicare Enrollment Help
Understanding when and how to enroll can be just as important as choosing a plan. Plan IV helps Michigan individuals and families review enrollment periods, coverage options, and qualifying life events.
Individual and Family Health Insurance
Plan IV can help you compare Marketplace and private health insurance options during Open Enrollment or after a qualifying life event.
Medicare Enrollment
Our advisors help Medicare eligible individuals understand available plan types, enrollment periods, and coverage considerations.
Special Enrollment Situations
Coverage may be available outside the normal Open Enrollment period after certain events, including losing coverage, moving, getting married, having a child, or experiencing another qualifying change.
Carrier and Provider Relationships
Insurance Carriers and Benefit Providers We Work With
Plan IV works with recognized insurance carriers, benefit providers, and program partners to help clients compare available solutions rather than being limited to one company.
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Insurance Solutions for Individuals and Families
Plan IV helps Michigan individuals and families understand insurance options, compare costs and coverage, and prepare for changes in health, income, family needs, and retirement.
Individual and Family Health Insurance
Compare Marketplace plans, private health insurance, provider networks, prescription coverage, deductibles, and out of pocket costs.
Explore Health InsuranceMedicare Guidance
Understand Original Medicare, Medicare Advantage, Medicare Supplement plans, prescription drug coverage, and important enrollment periods.
Explore Medicare OptionsDental and Vision Insurance
Review dental and vision coverage for individuals, families, and eligible employees.
Explore Dental and Vision CoverageLife and Disability Insurance
Protect your family, income, and financial responsibilities with life and disability coverage options.
Explore Life and Disability InsuranceSupplemental and Specialty Coverage
Explore supplemental health, accident, travel, long term care, and other coverage options based on your needs.
Financial Protection and Planning for Every Stage
Financial planning involves more than preparing for retirement. Plan IV helps individuals, families, and business owners consider how insurance, income protection, retirement planning, and long term financial decisions work together.
Explore Financial Protection and PlanningRetirement Planning
Review retirement goals, future income needs, and available financial planning options.
Life and Income Protection
Explore ways to protect your household, income, and financial responsibilities.
Long Term Care Planning
Prepare for possible future care needs and understand the role insurance and financial planning may play.
Business and Executive Planning
Explore retirement, protection, and benefit options for business owners, executives, and key employees.
Financial needs often change with age, income, family responsibilities, business ownership, and retirement goals. Plan IV helps bring those decisions into one connected conversation.
Employee Benefits and HR Programs for Michigan Businesses
Plan IV helps business owners and HR teams evaluate employee benefits, group insurance, retirement programs, and workforce support options.
We help employers understand available programs, communicate benefits to employees, support enrollment, and review coverage as the organization changes.
Group Health Insurance
Compare group medical plans, contribution structures, provider networks, and coverage options.
Dental and Vision Benefits
Add dental and vision coverage as part of a broader employee benefit program.
Retirement Programs
Review retirement program options for employees, owners, executives, and key team members.
Voluntary and Supplemental Benefits
Give employees access to additional coverage that can support health, income, and financial protection needs.
HR Programs and Support
Explore HR resources and workforce programs that help employers support employees and manage benefit related responsibilities.
Enrollment and Ongoing Service
Receive support with employee enrollment, benefit communication, renewals, plan reviews, and changing workforce needs.
Bring employee benefits and workforce support into one conversation.
Independent Guidance for Important Decisions
Insurance, financial planning, and employee benefits can involve complicated choices. Plan IV helps clients understand their options before making a decision.
The goal is not simply to present a product. It is to help you understand what you are comparing, what questions to ask, and what deserves a closer look.
Compare Multiple Options
Plan IV works with a range of carriers, providers, and program partners, helping clients review more than one possible path.
Understand Costs and Coverage
Our advisors help explain premiums, deductibles, benefits, provider networks, limitations, and other important considerations.
Bring Related Needs Together
Clients can receive guidance across personal insurance, financial protection, retirement planning, employee benefits, and HR programs.
Receive Ongoing Support
Plan IV can assist with plan reviews, enrollment questions, renewals, changing needs, and future decisions.
Work With Michigan Based Advisors
Plan IV is based in Michigan and understands the needs of Michigan individuals, families, employers, and HR teams.
Plan for Today. Protect What Comes Next.
Whether you are choosing insurance for your family, preparing for retirement, or supporting employees, Plan IV can help you understand your options and move forward with greater confidence.
Frequently Asked Questions About Plan IV
Plan IV helps individuals, families, business owners, and HR teams understand insurance, financial planning, employee benefits, enrollment, and ongoing program support.
What does Plan IV do?
Plan IV is an independent insurance, financial planning, employee benefits, and HR advisory firm based in Michigan. We help individuals, families, and businesses compare options and make informed decisions about coverage, financial protection, retirement, and workforce programs.
Who does Plan IV work with?
Plan IV works with individuals, families, Medicare eligible clients, business owners, executives, employers, and HR teams throughout Michigan.
Is Plan IV an insurance carrier?
No. Plan IV is an independent advisory firm that works with multiple insurance carriers, benefit providers, and program partners. Available options depend on the service, location, eligibility, and client needs.
Can Plan IV help with financial planning?
Yes. Plan IV helps clients evaluate financial protection, retirement planning, income protection, long term care, and other available planning options.
Can Plan IV help my business with employee benefits?
Yes. Plan IV helps Michigan businesses review group insurance, dental and vision benefits, retirement programs, voluntary benefits, employee enrollment, and other benefit needs.
Does Plan IV provide HR programs?
Plan IV works with businesses and HR teams to provide available HR programs, workforce support, employee benefit communication, and related guidance.
Does Plan IV only help during Open Enrollment?
No. Plan IV provides year round support for coverage reviews, Medicare decisions, qualifying life events, employer renewals, employee enrollment, financial planning, and benefit program updates.
Can Plan IV review an existing plan or program?
Yes. Plan IV can review existing personal coverage, financial planning needs, or business benefit programs and help explain whether other options may be available.
Does Plan IV serve all of Michigan?
Plan IV is based in Troy and serves individuals, families, businesses, and HR teams throughout Michigan. The availability of specific products or services may vary by location and eligibility.
Michigan Based Insurance, Financial Planning and Benefit Advisors
What We Help With
ADDRESS:
575 E. Big Beaver, Suite 290
Troy, MI
PHONE:
(248) 689-4910
HOURS:
Open Monday–Friday, 9am to 5pm
Closed Saturday & Sunday
EMAIL:
info@planiv.com