Follow the instructions on the page to have your letter created. Some of the information on this site may be deemed attorney advertising in some states. U-M health plans are qualified health coverage as defined by the insurance code. . The most important car insurance advice for young drivers in Michigan includes: (1) a DETROIT615 Griswold St, Suite 402Detroit, MI 48226, GRAND RAPIDS212 Cesar E Chavez Ave SWSuite 105Grand Rapids, MI 49503, FARMINGTON HILLS 30101 Northwestern Hwy Farmington Hills, MI 48334, ANN ARBOR 122 S. Main Street, Suite 220 Ann Arbor, MI 48104, STERLING HEIGHTS | WARREN 44444 Mound Road, Suite 100 Sterling Heights, MI 48314. Reform now allows you to select the level of PIP you want. 2007-2023 Michigan Auto Law. hb``e``h^ PDF EMPLOYERS: HELP YOUR EMPLOYEES REALIZE SAVINGS! - Detroit You can opt out of, or cut your level of medical benefits, under the auto plan. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X Michigan clarifies qualified health coverage for auto - Mercer Go to Licensing - Consumer Finance and Mortgage, Go to Additional Financial and Insurance Services Forms, Go to DIFS Biographies and Public Officials, Life Insurance and Annuity Search Service (LIAS), Financial Education (Banking, Credit Union and Credit Information), The full names and dates of birth of all individuals covered under the policy or plan; and. (MCL 500.2111f(3)), When health insurance is coordinated with the $250,000 coverage level (assuming all of the required persons have the necessary qualified coverage), the premium for [No-Fault PIP medical] benefits payable under section 3107(1)(a) under the policy must be reduced by 100%. (MCL 500.3109a(2)(a)). The Department of Insurance and Financial Services (DIFS) can also help answer your questions. The claim behind the new auto law was that it would save drivers money on their auto insurance. A statement: (a) as to whether the coverage provided constitutes "qualified health coverage" as defined in MCL 500.3107d(7)(b)(i), or (b) that the coverage: Does not exclude coverage for motor vehicle accidents and Has an annual deductible of $6,000.001 or less per covered individual. The big selling point for Michigan new auto No-Fault law was that it would save drivers money. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Where do I get my letter? PDF State of Michigan Department of Insurance and Financial Services The law also allows a car owner to select a $250,000 PIP medical limit, with an exclusion from PIP medical coverage for the applicant and any family members with QHC. 2023 The Regents of the University of Michigan, Learn more about U-Ms health plans and PIP, The Regents of the University of Michigan. They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. PDF How we coordinate health coverage with your car or motorcycle - BCBSM {f/3mq0NAe7m`K3 c Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. Letters can only be produced based on enrollment as of the current date. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. Drivers could attempt to save money by opting for lower PIP coverage levels. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. <> It is unclear to what extent governmental or church employers that sponsor self-funded group health plans (but dont benefit from ERISA preemption) must provide plan participants with information regarding the plans QHC status. These are the relevant coverage levels and requirements: Additionally, QHC plays a role in a new arrangement for the coordination of health and No-Fault coverage: Qualified health coverage is important because without it drivers will not be able to take advantage of the insurance options under the new Michigan No-Fault insurance law that politicians have promised will save them money. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. The guidance also indicates that a group health plan with an individual deductible offset in any manner (e.g., by funds contributed to health reimbursement arrangements) so as not to exceed $6,000 could qualify as QHC, provided the plan doesnt exclude or limit medical coverage for auto accident injuries. Notice of qualified health coverage for auto personal injury protection (PIP) benefits: Changes to Michigan's no-fault auto insurance law that took effect in 2020 allow Michigan residents to customize the personal injury protection benefits (PIP) on their auto coverage if their health insurance meets certain requirements. If you have any questions, please contact us. %PDF-1.6 % You can log in to your online member account to see if you have a QHC letter to download. We provide health insurance in Michigan. To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. If you intend to waive or reduce the level of personal injury insurance (PIP) on your auto policy, you may be asked by your auto insurance company to provide a letter stating you are enrolled in a qualified health coverage. Health insurers and self-insured group health plan sponsors should be prepared to provide documentation to Michigan drivers (and any family members) indicating whether the health plan is QHC and, if so, confirming their coverage under the health plan. In Insurance Bulletin 2020-01-INS, entitled Qualified Health Coverage Notices and issued on January 14, 2020, Michigans Insurance Commissioner stated that, because individuals who have (QHC) are allowed to make certain choices regarding their no-fault coverage, [h]ealth insurers and health plans should develop a document that indicates whether a persons coverage is qualified for purposes of no-fault insurance . DIFS confirmed this interpretation of the bulletin in an informal conversation with us. (MCL 500.3107d(7)(b)(ii)). 4 0 obj They are required to prepare and provide this documentation. Scroll down to Additional resources, where the two letters are listed by name under the Medical section of Plan information.. If so, the employee and any covered family members may be in a position to opt out of or substantially reduce PIP medical coverage offered by the auto insurer. Create an account now. The changes could affect employers' health plan costs for Michigan residents. PDF This letter applies to plan year 01/01/2022 - 12/31/2022 To: MSU This could leave the employer-sponsored health plan as the sole source of medical coverage for injuries related to an auto accident in some situations. The catch, however, is that many of these medical services that are not covered or that are drastically limited with health insurance are still considered vital to a car accident injury victims care and recovery. The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. The new Michigan No-Fault insurance law defines qualified health coverage in two ways: Check out our video to learn more about what qualified health coverage is under Michigans No-Fault auto insurance law: Yes. endstream endobj 61 0 obj <. (MCL 500.2111f(2)(a)), The opt-out for drivers on Medicare is expected to result in no premium charge for coverage for No-Fault PIP medical benefits. PDF Michigan Department of Insurance and Financial Services Quick Facts Information will be needed from both you and your doctor. Qualifying life event documents | bcbsm.com If an individual loses QHC during the term of his or her no-fault auto insurance policy, the individual must contact his or her auto insurer within 30 days to add at least $250,000 of PIP coverage to the individuals no-fault auto insurance policy (if the individual will not become covered under other QHC within 30 days). Standard Qualification Form If you have a Blue Cross Blue Shield of Michigan plan other than Healthy Blue Achieve that requires a qualification form, please use the form below. Not Registered? Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices PDF State of Michigan Department of Insurance and Financial Services %%EOF All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. Send us an email at DIFSInfo@michigan.gov, Department of Insurance and Financial Services, Additional Financial and Insurance Services Forms, https://dev.michigan.local/som/json?sc_device=json. The D. Dan and Betty Kahn Health Care Pavilion is a 12-story hospital that will house 264 private rooms capable of converting to intensive care; a state-of-the-art neurosciences center; and high-level, specialty care services for cardiovascular and thoracic patients, along with advanced imaging. endobj This is not intended to substitute for the advice of an attorney. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Laws 500.3107d) allows a car owner to opt out of purchasing personal injury protection (PIP) medical coverage if he or she and all family members residing in the same home have QHC. Under the guidance in the bulletin, the documentation must state the names and dates of birth of all persons covered under the plan, and a statement as to whether the plan is QHC, or a statement that the plan does not exclude coverage for motor vehicle accidents and has an annual deductible of $6,000 or less per individual. Loss of Qualified Health Coverage During No-Fault Policy Term. Michigans no-fault law no longer requires Michigan drivers to carry unlimited medical coverage (frequently referred to as PIP coverage). DIFS Bulletin 2020-33-INS clarifies that to be QHC any annual deductible must be $6,000 or less, which includes in-network and out-of-network deductibles, as well as deductibles that are offset in any manner, such as by funds contributed to health reimbursement arrangements (HRAs). No-fault auto insurance changes in Michigan | bcbsm.com qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . To request your QHC confirmation letter: Log in to your member account. No attorney-client relationship is formed nor should any such relationship be implied. Create your account today for an optimal, personalized experience. %PDF-1.7 As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. Auto insurance agencies require a letter confirming your QHC. 2 0 obj This fact sheet provides general information about health, car or motorcycle insurance. (MCL 500.3107d(1)), A driver who chooses the $250,000 coverage level for No-Fault PIP medical benefits under MCL 500.3107c(1)(b) can coordinate his or her No-Fault insurance with his or her health insurance in return for a 100% reduction on his or her PIP medical premium, but only if (1) the driver has private health insurance that meets the laws requirements and (2) the drivers spouse or family members have QHC through a private health plan or through Medicare. Your doctor will submit the form by following the instructions on the back. On July 28, 2020, the Michigan Department of Insurance and Financial Services (DIFS) issued Bulletin 2020-33-INS, which details the obligations of no-fault auto insurance carriers, either directly or through their agents, to collect documentation of qualified health coverage (QHC) under Michigans no-fault auto insurance reform. If you are unable to access Wolverine Access to obtain yourHealth Care Plan Verification Letter please emailsharedservices@umich.eduwith your request. IDENTIFICATION REQUIRED BY MPRC RULE 7.2(d): Attorney Steven M. Gursten is responsible for the content of Michigan Auto Laws advertisement. We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. However, the restated guidance clarifies that a group health plan with any annual deductible that doesnt exceed $6,000 per individual and doesnt exclude or limit medical coverage for injuries related to auto accidents will meet the QHC standard. A statement that includes whether the coverage provided constitutes Qualified Health Coverage as defined in MCL 500.3107d(7)(b)(i), or that the coverage: Does not exclude coverage for motor vehicle accidents, and.
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