michigan qualified health coverage letter michigan qualified health coverage letter

Do you wish to proceed? State and Federal Privacy laws prohibit unauthorized access to Member's private information. Follow the instructions on the page to have your letter created. Learn more about U-Ms health plans and PIP. Don't have a member account? Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. To get your financial incentive, you'll need to fill it out with your doctor. 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 $50,000 PIP medical limit is available when the applicant is enrolled in Medicaid and family members have QHC or PIP medical coverage. 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. 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. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. 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. Where do I get my letter? 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. IDENTIFICATION REQUIRED BY MPRC RULE 7.2(d): Attorney Steven M. Gursten is responsible for the content of Michigan Auto Laws advertisement. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . 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. 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. 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). Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. We provide health insurance in Michigan. Those children who lose coverage automatically will be referred to Florida KidCare, a state-sponsored health insurance program with low monthly premiums. 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 state's auto insurance reform law that took effect July 1. Were happy to help. Use of a computer or larger sized tablet is recommended. qualified health coverage, you must notify your insurer within 30 days of loss of coverage. 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. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. 2023 The Regents of the University of Michigan, Learn more about U-Ms health plans and PIP, The Regents of the University of Michigan. I also found very useful information about the new auto law. 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. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. 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 the plan documents section, click Michigan Auto Reform to request a letter be mailed to the subscriber's address. qualified health coverage. Need to talk with DIFS? 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. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . 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. Information will be needed from both you and your doctor. (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 have a Blue Cross Blue Shield of Michigan plan other than Healthy Blue Achieve that requires a qualification form, please use the form below. 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. Follow the instructions on the page to have your letter created. To request your QHC confirmation letter: Log in to your member account. 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. An individual may opt-out of PIP coverage if the individual has QHC. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. 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. 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. 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. Your doctor will submit the form by following the instructions on the back. 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. They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. Health insurance is perceived as less costly than No-Fault. To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. QHC cannot exclude or limit coverage for injuries related to motor vehicle accidents, and must have an annual deductible of $6,000 or less per individual (this $6,000 amount may be annually adjusted). Note: The no-fault auto insurance law is not a health insurance law, therefore, you should discuss PIP coverage or other auto coverage with your auto insurer or agent. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. 0 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. 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. Get access to your member portal. endstream endobj startxref Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. 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. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. Click My Plan and Spending. 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. Health. Individuals attempting unauthorized access will be prosecuted. Insureds will have to contact their health insurer or health plan to obtain this documentation. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. 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 . There are several ways you can request a QHC letter. Michigan Assigned Claims Plan . Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. To select this option . As a result, employer group health plans should be prepared to provide employees with documentation about whether the plan is QHC to allow plan participants to opt-out of PIP coverage if the group health plan is QHC. 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. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. I recommended him to all my friends and neighbors." 2.26 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage. , 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. . Two letters confirming you have MESSA coverage that are often requested by your auto insurance carrier can be found in your MyMESSA member account. We provide health insurance in Michigan. 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. To find forms customized for your benefits, log in to your member account. stream Are you looking for the form that coordinates your auto and medical insurance after an accident? Click My Plan and Spending. You can call the number on the back of your member ID card. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. 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. 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. Your doctor will submit the form by following the instructions on the back. 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 The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. Provide your contact information to get in touch, https://www.mercer.com/content/dam/mercer/attachments/global/law-and-policy/gl-2020-michigan-clarifies-qualified-health-coverage-for-auto-insurance-law.pdf, Diversity, Equity and Inclusion in investments, Michigans new auto insurance law Choosing PIP medical coverage, Michigans automobile insurance reforms may cost group health plans. 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. How Much Car Insurance Do I Need in Michigan? %PDF-1.6 % All rights reserved. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. <> A list of reports produced by our Department. Estimates are that enrollment in Florida . endobj Blue Cross Complete of Michigan may be referred to in this .. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Michigan Medicine improves the health of . A letter indicating whether the consumer's coverage would coordinate with no-fault benefits. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. You can log in to your online member account to see if you have a QHC letter to download. $250,000 per person per accident with exclusions. But now the new qualified health coverage requirement effectively undoes much of this. or . Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). 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. Not Registered? 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 hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X 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. 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. Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. endstream endobj 61 0 obj <. 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. 1 0 obj You can also connect with us via live chat; to get started, go to messa.org/contact. This fact sheet provides general information about health, car or motorcycle insurance. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. 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. 100 0 obj <>stream If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. You can opt out of, or cut your level of medical benefits, under the auto plan. Download paper 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. Past results are no guarantee of future results. Not Registered? Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. The Video could not be loaded because the privacy settings are disabled. There are several ways you can request a QHC letter. Get access to your member portal. 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. {f/3mq0NAe7m`K3 c Michigans no-fault law no longer requires Michigan drivers to carry unlimited medical coverage (frequently referred to as PIP coverage). You can call the number on the back of your member ID card. hb``e``h^ You can find what youll need on oursubrogation page. This field is for validation purposes and should be left unchanged. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. Health insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. Your qualified health coverage does not exclude or limit coverage for motor vehicle accidents and . 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 . 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) . 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. If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. 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. They are required to prepare and provide this documentation. 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. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. This is not intended to substitute for the advice of an attorney. However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. Full name(s) and date(s) of birth of all individuals covered by policy: Name: ________________________________________ 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. No attorney-client relationship is formed nor should any such relationship be implied. 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. Qualified health coverage means either coverage under both Medicare Parts A and B, or health and accident coverage that does not exclude or limit coverage for injuries related to auto accidents and has an annual individual deductible of $6,000 or less. Loss of Qualified Health Coverage During No-Fault Policy Term. Claims are processed according to your benefits and the laws in effect in the state where you reside. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. (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. Letters can only be produced based on enrollment as of the current date. For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. If you are interested in a rewarding position helping Michiganders apply today! % The law defines QHC as coverage under Medicare or an accident or health policy with a deductible of $6,000 or less per individual and no coverage limits for injuries caused by car accidents. %%EOF . (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)). In 2019, the State of Michigan passed legislationthat changes the requirement to have unlimited, lifetime personal injury protection (PIP) benefits for no-fault auto insurance plans. To request your QHC confirmation letter: Log in to your member account. 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. 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. Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. Qualified health coverage letter sample, Health (9 days ago) WebThis sample notice can be used by health insurers or employers to provide confirmation of current QHC to consumers. Therefore, we can bet that our health insurance costs will go up and that employers who provide health insurance will likely be passing these increased costs onto the rest of us. "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. We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. 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. 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. 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. You can log in to your online member account to see if you have a QHC letter to download. Where does my client go to get a Qualified Health Coverage (QHC) letter? <> The law is subject to frequent changes and varies from one jurisdiction to another. %PDF-1.7 PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. What you choose is important because PIP covers more than medical expenses it includes things like attendant care, housing modifications and lost wages due to an accident. Oakland County's Qualified Health Coverage Letter for Retiree Notice of Qualified Health Coverage for Purposes of Michigan No-Fault Auto Law Medical Health Plans ASR Plan Documents ASR PPO 1 Plan Document ASR PPO 3 Plan Document Summary of Benefits and Coverage 2023 PPO 1 Summary of Benefits and Coverage 2023 PPO 3 Summary of Benefits and Coverage The new Michigan no-fault auto insurance law means that residents are no longer required to buy unlimited personal injury protection, or PIP, with their auto insurance. 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.