michigan qualified health coverage letter

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. 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. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. 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). ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY, Employee Benefits and Executive Compensation, Private Client - Estate Planning, Probate, Wills & Trusts, Bankruptcy - Creditors' / Debtors' Rights, Affirmative Action and Government Contractors, Health Care Professional Licensing, Regulatory Compliance and Accreditation, Insurance Policyholder Counseling and Recovery, Adoption, Assisted Reproduction and Surrogacy, Child and Spousal Support, Custody, and Parenting Time, Family Owned Business and Closely Held Companies. Estimates are that enrollment in Florida . Where do I get my letter? 60 0 obj <> endobj Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. They are required to prepare and provide this documentation. Please see Bulletin 2020-01-INS for more information. My auto insurance company has requested a letter stating I have qualified health coverage. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. 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. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. hb``e``h^ 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. Your qualified health coverage does not exclude or limit coverage for motor vehicle accidents and . 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. However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. But now the new qualified health coverage requirement effectively undoes much of this. Are you looking for the form that coordinates your auto and medical insurance after an accident? Category: Health Detail Health. The term "Qualified Health Plan." Identify by full name all plan enrollees in the household Confirm that your specific health plan has a $6,000 or less deductible annually. If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. Reform now allows you to select the level of PIP you want. We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. If your application for Life Insurance coverage requires completion of a , Health (8 days ago) WebThis letter applies to plan year 01/01/2022 - 12/31/2022 insurance plans meet the requirements to be considered qualified health coverage: Blue Care Network MI , Encompass health therapy clinical ladder, Sound health and wellness for providers, Priority health provider manual michigan, Baptist health medical group endocrinology, Baptist health hardin lymphedema clinic, Occupational health and safety positions, 2022 health-mental.org. The changes could affect employers health plan costs for Michigan residents. 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. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. Licensing - Consumer Finance and Mortgage. A $50,000 PIP medical limit is available when the applicant is enrolled in Medicaid and family members have QHC or PIP medical coverage. Starting July 1, you can choose your level of PIP. . $500,000 per person per accident. The new Michigan No-Fault insurance law defines qualified health coverage in two ways: It is "health or accident coverage" that "does not exclude or limit coverage for injuries related to motor vehicle accidents" and its "annual deductible for coverage" must be "$6,000 or less per individual." (MCL 500.3107d (7) (b) (i)) Or it is Medicare coverage. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. Unlimited coverage, the default option. 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. Get access to your member portal. 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. The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. 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. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X In other words, if a driver or a family member does not have health insurance that qualifies, then a driver will be locked out of any savings that the politicians promised would be available to drivers under our new auto law. In other words, if a plans in-network deductible for individual coverage is $6,000 or less, it appears the entire plan is QHC even if the out-of-network or family tier deductible is more than $6,000. 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. 83 0 obj <>/Filter/FlateDecode/ID[<098023445965EC4C9B51CDDD359A14D4><17EF24148C2295489EF4FB9E7BA16CE8>]/Index[60 41]/Info 59 0 R/Length 109/Prev 85913/Root 61 0 R/Size 101/Type/XRef/W[1 3 1]>>stream 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. An appointment with your doctor to fill out the forms. Under the plan documents section, click Michigan Auto Reform to request a letter be mailed to the subscriber's address. Loss of Qualified Health Coverage During No-Fault Policy Term. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. I recommended him to all my friends and neighbors." What information must be included in this letter? Clarifying Eligibility for a Qualified Health Plan through an Exchange, Advance Payments of the Premium Tax Credit, Cost-Sharing Reductions, a Basic Health Program, and for Some Medicaid and Children's Health Insurance Programs (CMS-9894-P) . Individuals attempting unauthorized access will be prosecuted. This field is for validation purposes and should be left unchanged. You can log in to your online member account to see if you have a QHC letter to download. But what the politicians who passed this new auto law neglected to tell people (aside from that these promised savings will be limited and for most of us very disappointing) was that these lower PIP medical coverage levels would be unavailable if the driver or certain family members did not have the right type of health insurance coverage. 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. To find forms customized for your benefits, log in to your member account. Follow the instructions on the page to have your letter created. It is health or accident coverage that does not exclude or limit coverage for injuries related to motor vehicle accidents and its annual deductible for coverage must be $6,000 or less per individual. (MCL 500.3107d(7)(b)(i)), Or it is Medicare coverage. 3 0 obj 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. <> Unfortunately, suppose the above three items are not included in this letter from your medical insurance carrier. To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. You can call the number on the back of your member ID card. This is not intended to substitute for the advice of an attorney. Andary v. USAA Michigan Court of Appeals ruling: No-Fault changes do not apply retroactively (Updated with New DIFS Bulletin issued on 10/5/2022), Car Insurance For Teenagers: Michigan Laws For Minors Explained, Car Insurance Advice For Young Drivers: Heres What To Know, "Maximum stars for this law company and particularly for Mr. Steven Gursten - Attorney at Law. Youll have the option of choosing from different levels of personal injury protection coverage. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. Registration is easy! DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. If your auto insurance carrier requests or requires confirmation of your university health plan meeting the requirements to be considered qualified, please provide them with this letter: 2022 version and 2023 version. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. 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. U-M health plans are qualified health coverage as defined by the insurance code. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. 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. In order to select certain lower and presumably cheaper levels of No-Fault PIP medical benefits, you or a family member will need to have health insurance that meets the requirements of qualified health coverage under the new Michigan No-Fault law. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . 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. All rights reserved. Don't have a member account? (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. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. The total opt-out of No-Fault PIP medical benefits for a driver who has Medicare requires that his or her spouse or family member that lives with the driver either have qualified health coverage that is required under the new Michigan No-Fault insurance law (i.e., insurance for accident-related medical care through a private plan or through Medicare) or have his or her own No-Fault auto insurance policy.
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