Register Now. I also found very useful information about the new auto law. 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. 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). Menu Benefits Enrollment or Change COBRA Dental Plan Dependent Information Expanded Long-Term Disability Flexible Spending Accounts Graduate Students Health Plans Legal Services Plan Life Insurance Other Qualified Adult Prescription Drug Plan Retirees Retirement Savings Plan Vision Plan Benefits Enrollment or Change Important: Be sure to review your beneficiary designations for life insurance . 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. 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. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices 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. 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. Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Do you wish to proceed? Reform now allows you to select the level of PIP you want. OFCCP Issues Updated Self-Identification of Disability Form, Kevin Sutton Interviewed for Detroit News Article on School Boards, Employment Lawyers Talk Off The Clock - Episode 40: PUMP Act Expands Protection For Nursing Moms In The Workplace, Episode 39 Dos and Donts When Crafting A Parental Leave Policy. 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. endstream endobj startxref up to $2,000,000 if they have no other . There are several ways you can request a QHC letter. Get access to your member portal. 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. Blue Cross Complete of Michigan may be referred to in this .. This is not intended to substitute for the advice of an attorney. Get access to your member portal. 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. hb``e``h^ 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. This field is for validation purposes and should be left unchanged. (MCL 500.3107c(1)(a)) That means that if a drivers spouse or family does not have Medicaid or No-Fault or insurance, through a private plan or through Medicare, that meets requirements of qualified health coverage under the new Michigan No-Fault insurance law, then the driver cannot select the $50,000 level. To request your QHC confirmation letter: Log in to your member account. 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. You can also connect with us via live chat; to get started, go to messa.org/contact. 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. We provide health insurance in Michigan. To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. There are several ways you can request a QHC letter. 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. 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. Individuals attempting unauthorized access will be prosecuted. 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. 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. 1 0 obj This expands the number of plans that could qualify as QHC. 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. Health insurers or employers may also create their own QHC documentation letter that complies with Michigan Department of Insurance and , Health (7 days ago) WebHealth insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. Please see Bulletin 2020-01-INS for more information. If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. There are several ways you can request a QHC letter. qualified health coverage, you must notify your insurer within 30 days of loss of coverage. YLB i5xueW|. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. 0 Under the plan documents section, click Michigan Auto Reform to request a letter be mailed to the subscriber's address. ., For our advice on how to best protect yourself and your family under Michigans new No-Fault law, please check out our blog post, How Much Car Insurance Do I Need in Michigan?, and order a copy of your FREE e-book, How much car insurance do I need?. Very professional and prompt! Need to talk with DIFS? 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. A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. To find forms customized for your benefits, log in to your member account. {f/3mq0NAe7m`K3 c You can call the number on the back of your member ID card. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. Health. 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. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. Please see Bulletin 2020-01-INS for more information. 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 select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. 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. All rights reserved. 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 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. <>/Metadata 111 0 R/ViewerPreferences 112 0 R>> Register Now. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Blue Care Network Member Reimbursement Form How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. 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. (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. Information will be needed from both you and your doctor. 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. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. 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. 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 Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. Click My Plan and Spending. If you are interested in a rewarding position helping Michiganders apply today! Documentation from Michigan Department of Health and Human Services indicating the reason for loss and when coverage ended or will end Letter from Medicaid or Children's Health Insurance Plan (CHIP) stating when coverage ended or will end Moved out of plan area or moved into new plan area Your doctor will submit the form by following the instructions on the back. 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. qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . Letters can only be produced based on enrollment as of the current date. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. You can call the number on the back of your member ID card. If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. 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. I recommended him to all my friends and neighbors." Within 30 days of losing . 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. 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). 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. 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. Auto , Health (4 days ago) WebThe 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 , Health (9 days ago) WebA 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 , Health (Just Now) WebIf you choose the Opt-Out PIP option, you MUST obtain a letter from your medical insurance carrier that includes the following: The term Qualified Health Plan. Identify by full name all plan enrollees in the , Health (4 days ago) WebNotice of qualified health coverage for auto personal injury protection (PIP) benefits: Changes to Michigans no-fault auto insurance law that took effect in 2020 allow Michigan residents to customize the , Health (1 days ago) WebAuto insurance agencies require a letter confirming your QHC. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. 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. Health. Individuals attempting unauthorized access will be prosecuted. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. Category: Health Detail Health. If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. You can opt out of, or cut your level of medical benefits, under the auto plan. 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. 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 Health insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. Find the forms and documents you need Medical, dental & vision claim forms Pharmacy mail-order & claims Use of a computer or larger sized tablet is recommended. endstream endobj 61 0 obj <. The law is subject to frequent changes and varies from one jurisdiction to another. The claim behind the new auto law was that it would save drivers money on their auto insurance. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. A QHC letter must contain the following: The full names and dates of birth of all individuals covered under the policy or plan; and 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 document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Steven Gursten has been selected a Michigan Lawyer of the Year and has been voted consistently among the top 50 attorneys in Michigan (out of over 65,000 lawyers) by Super Lawyers. 2.25 Blue Cross Complete of Michigan is authorized by the state of Michigan to arrange for the provision of health care services as a health maintenance organization. Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. 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. 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. Youll have the option of choosing from different levels of personal injury protection coverage. New PIP Insurance Options in Michigan. 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. endobj They are required to prepare and provide this documentation. Your doctor will submit the form by following the instructions on the back. An individual may opt-out of PIP coverage if the individual has QHC. Scroll down to Additional resources, where the two letters are listed by name under the Medical section of Plan information.. 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. If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). 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. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. Health insurance is perceived as less costly than No-Fault. , 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. If you have questions about which forms are meant for your use, call the toll-free number on the back of your member ID card. Loss of Qualified Health Coverage During No-Fault Policy Term. A list of reports produced by our Department. 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. Are you looking for the form that coordinates your auto and medical insurance after an accident? 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. You can log in to your online member account to see if you have a QHC letter to download. 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. DIFS Prohibition Orders for Consumer Finance and Credit Union. endobj By cultivating a diverse, equitable and inclusive culture, we seek to reflect those we serve and engage the perspectives, ideas and innovative thoughts that inspire outstanding legal solutions and exceptional service. All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. 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. Michigan Medicine improves the health of . 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. Please be advised that contacting Miller Johnson or one of its attorneys by email does not constitute establishing an attorney-client relationship or otherwise confidential relationship between you and the Firm. But now the new qualified health coverage requirement effectively undoes much of this. Has an annual deductible of $6,000.00 or less per covered individual. Past results are no guarantee of future results. Not Registered? stream Starting July 1, 2020, under certain circumstances outlined in the new law, individuals may select different levels of PIP coverage as follows: Opt out ($0) $50,000 $250,000 $500,000 Unlimited What information must be included in this letter? 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. The Michigan law (Mich. Comp. Self-insured plan sponsors may need to adjust expected costs for Michigan residents.
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