endobj How Much Car Insurance Do I Need in Michigan? She has practiced law in Michigan since 2002 and is a member in our Detroit office. Auto insurance agencies require a letter confirming your QHC. It's not meant to substitute for legal advice or for your coverage certificate. Each letter serves a distinct and specific purpose: You can find both letters by logging in to your MyMESSA member account and selecting the Benefits menu. Don't have a member account? You can log in to your online member account to see if you have a QHC letter to download. A Michigan Department of Financial and Insurance Services (DIFS) regulatory bulletin (Bulletin 2020-33-INS) restates the definition of qualified health coverage (QHC) under the states auto insurance reform law that took effect July 1. They are required to prepare and provide this documentation. Employees and retirees with U-M health plans even with Medicare as primary coverage are already covered for medical claims resulting from an automobile accident. 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. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!w'?u3a.y%}oN|_=/s/457LugLYFGT3G.9e-\HE+mm>}]p7e ~u/{#d\IyN>4}~lksnMfySJ}nB#?9TJgHGzLkCYYE=bTvCybKgk7?=kswC{=m;,{yj):q&kFv,70:VSG=9K~i)yYZmj5Vc+\X\@a.%uS@ nQ$!N'8|e[GQ&^h5y$=Y7Q/_kBPIEg89\]%[`^FMBcII"A(@!,$5,_2X.H4Sm_.a,ZiISP?)$,bULZPA*t KP{[_:S2iB5Ld!Tq@sNM}8KT0]7`{ELV ~I6ZI_KeE+r"UkYlr;=^EdJzxpdnh>MZAyEfp1d>>/ioJoR?-Kwvn+co,E{bb+H#\W\^`J|wS$:x-{V,}S$T6UCuqMR6dn19[ k[mFwf6\D)%WQIcr6jF[R_X,iHX6 V"0W6m(:FRMyS&8HcD]n}(fbj19e oOuY`AGbbL_[,}M h{D'J}a_#r`}$"NirL1Fm'$u0eb zNLIj9R(g$e}5s;szg-3:-FAa(i]U'r6NDX O }j/&8]ZX5>qesS>SlH K5h,[Bx/dj>uiVmj Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. 2.26 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage. This notification confirms that the following Michigan State University health insurance plans meet the requirements to be considered qualified health coverage: Blue Care Network MI Community Blue Community Blue CDHP Humana Group Medicare Advantage PPO Humana MSU Non-Medicare PPO Michigan State University 1407 S. Harrison, Suite 110 Because the only health insurance coverages that will meet the No-Fault laws requirements are plans that do not exclude or limit coverage for injuries related to motor vehicle accidents, health insurance will now have to provide the same coverage to auto accident victims that No-Fault has been providing for more than 40 years. To request your QHC confirmation letter: Log in to your member account. The big selling point for Michigan new auto No-Fault law was that it would save drivers money. IDENTIFICATION REQUIRED BY MPRC RULE 7.2(d): Attorney Steven M. Gursten is responsible for the content of Michigan Auto Laws advertisement. (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. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. "Qualified Health Coverage" means your health coverage: Does not exclude or limit coverage for motor vehicle accidents; and Has an annual deductible of $6,000.00 or less per covered individual. 2023 The Regents of the University of Michigan, Learn more about U-Ms health plans and PIP, The Regents of the University of Michigan. Once logged in, navigate to the , Health (2 days ago) WebOn 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 , Health (8 days ago) WebWhere does my client go to get a Qualified Health Health (7 days ago) WebA QHC letter must contain the following: The full names and dates of birth of all individuals , Health (6 days ago) WebStandard 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. Take MESSA on your vacation, domestic or international, Check your MyMESSA account for letters requested by your auto insurance carrier, Reminder: Your MESSA deductible resets Jan. 1, 2nd.MD provides free second opinion from elite specialists, Individualized support for heart health, diabetes, MyStressTools: Stress management at your fingertips. The state of Michigan currently requires individuals to purchase unlimited personal injury protection, or PIP, through their auto insurer. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. 3 0 obj 1996-document.write(new Date().getFullYear()); Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. , Health (9 days ago) WebIf you are unable to access Wolverine Access to obtain your Health Care Plan Verification Letter please email [emailprotected] with your request. The Video could not be loaded because the privacy settings are disabled. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. State-chartered Bank and State-chartered Savings Bank forms. Registration is easy! To find forms customized for your benefits, log in to your member account. This Video is unable to play due to Privacy Settings. To ensure your health plan meets the requirements of the new law it must not exclude or limit coverage for car accident-related medical care. Information will be needed from both you and your doctor. This fact sheet provides general information about health, car or motorcycle insurance. Are you looking for the form that coordinates your auto and medical insurance after an accident? If you're a Blue Cross Blue Shield of Michigan member with a health plan that requires a qualification form, you'll need to fill out one of these forms with your doctor. A big reason for this is that many health care plans either do not cover medical services for car accident-related injuries, or drastically limit these medical services. Qualified health coverage is the insurance that the new Michigan No-Fault insurance law requires drivers to have to be able to select certain PIP medical benefit levels. Your doctor will submit the form by following the instructions on the back. The Michigan Assigned Claims Plan will provide benefits to the individual if a motor vehicle accident occurs during this 30-day period, but before the individual acquires other QHC or PIP coverage. They may also request a coordination of benefits letter that shows how your health insurance and auto insurance work together to pay auto accident claims. To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. Click My Plan and Spending. Unlimited coverage, the default option. New PIP Insurance Options in Michigan. Follow the instructions on the page to have your letter created. Your qualified health coverage does not exclude or limit coverage for motor vehicle accidents and . Create your account today for an optimal, personalized experience. These same medical services and medical treatments that are excluded or limited by health insurance were being paid by No-Fault as long as they were reasonably necessary to a car accident victims care, recovery or rehabilitation which is the legal threshold requirement for a medical service to be paid by your auto No-Fault insurance. Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. (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. If you are interested in a rewarding position helping Michiganders apply today! Michigan.gov. All rights reserved. To select this option . DIFS Prohibition Orders for Consumer Finance and Credit Union. There are several ways you can request a QHC letter. No attorney-client relationship is formed nor should any such relationship be implied. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. Under the new DIFS guidance, carriers of fully insured group health plans must provide documentation to plan participants about whether their coverage under the group health plan is QHC. He is the current President of the AAJ Distracted Driving Litigation Group, Past-President of the Belli Society, a Past-President of the AAJ Truck Litigation Group and TBI Group, as well as Past-President of the Motor Vehicle Trial Lawyers Association. You must have qualified health coverage (QHC) that is not Medicare; AND. Drivers could attempt to save money by opting for lower PIP coverage levels. Employers that coordinate their health plans benefits with auto insurance medical coverage even plans that pay secondary may face greater exposure to Michigan claims than in the past. Michigans no-fault law no longer requires Michigan drivers to carry unlimited medical coverage (frequently referred to as PIP coverage). Site Map|Feedback|Download Adobe Acrobat Reader, Learn more about a Healthier Michigan.org, Important Information About Medicare Plans, Your subscriber ID card, formerly known as enrollee ID. Claim forms Blue Cross Blue Shield of Michigan General Member Claim Form Use this form to manually submit a claim for a medical, vision or hearing service if you're a Blue Cross Blue Shield of Michigan member. 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. Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. Not Registered? 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. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. If you don't see a QHC letter online or are unable to get one through calling the number on the back of your card, you can reach out to your employer to request the letter. 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. 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. However, if the self-funded group health plan is QHC, these employers may want to provide similar documentation to plan participants to allow them to opt-out of PIP coverage. This expands the number of plans that could qualify as QHC. The health insurance coverage provided to you and eligible individuals by the City of Detroit is "qualified health coverage" as defined in MCL 500.3107d(7)(b)(i) for purposes of the Michigan Auto No Fault Law that takes effect on July 2, 2020. 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 $50,000 coverage level for drivers enrolled in Medicaid requires that the drivers spouse or relative who lives in the same home have QHC, be enrolled in Medicaid or have his or her own No-Fault auto insurance policy. All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. 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. Full name(s) and date(s) of birth of all individuals covered by policy: Name: ________________________________________ If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. - Mira. Register Now. Carriers of fully insured group health plans and private employers of self-funded group health plans, whether required to by law or not, should be prepared to provide plan participants with documentation about whether the plan is QHC because plan participants with QHC may be able to opt-out of PIP coverage. 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). Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. Additionally, an individual may opt-out of PIP coverage for the individuals spouse and all relatives that reside in the same household if they also have QHC (or coverage under another no-fault auto policy with at least $250,000 of PIP coverage). Site Map|Feedback|Download Adobe Acrobat Reader, Learn more about a Healthier Michigan.org, How Michigan's no-fault auto insurance law affects Medicare members, Important Information About Medicare Plans. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. You can call the number on the back of your member ID card. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. To get your financial incentive, you'll need to fill it out with your doctor. An appointment with your doctor to fill out the forms. endobj or . The DIFS Bulletin also states that [i]f any individual deductible is $6,000 or less, that coverage is QHC. This appears to resolve the uncertainty about whether the family coverage tier must contain embedded deductibles of $6,000 or less to be QHC. This letter confirms . You can log in to your online member account to see if you have a QHC letter to download. Where do I get my letter? As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. Claims are processed according to your benefits and the laws in effect in the state where you reside. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. Earlier this year, Michigan DIFS regulators noted in an email to Mercer that a health plan with even one annual deductible such as an out-of-network deductible exceeding $6,000 per individual wouldnt qualify as QHC. 60 0 obj <> endobj $500,000 per person per accident. (MCL 500.3107d(7)(b)(ii)). Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . The new law would for the first time since the No-Fault law was enacted in 1973 allow drivers to choose different levels of No-Fault PIP medical coverage (to pay for medical care and medical treatment after a car accident). The level of PIP coverage you choose will impact the cost of your auto insurance coverage. A letter indicating whether the consumer's coverage would coordinate with no-fault benefits. 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 Michigan's no-fault auto insurance reform. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. No-fault auto insurance carriers or their agents are required to collect documentation of QHC at the initial issuance of an individuals no-fault auto insurance policy and at every renewal when the individual is relying on QHC to opt-out of PIP coverage for the individual and the individuals spouse and resident relatives.
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