To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. 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. This is for Blue Cross Blue Shield of Michigan members who want details about Michigans new no-fault auto insurance law that goes into effect on July 1, 2020. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. $500,000 per person per accident. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. 2023 The Regents of the University of Michigan, Learn more about U-Ms health plans and PIP, The Regents of the University of Michigan. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . Need to talk with DIFS? Health. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. 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. Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). Letters for your auto insurance carrier - MESSA The Michigan law (Mich. Comp. Health Benefit Plans | Oakland County, MI But now the new qualified health coverage requirement effectively undoes much of this. 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. Health insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. Category: Health Detail Health. Qualified Health Coverage & Michigan No-Fault Insurance Do I have to keep PIP with Michigan's no fault law? | Goodman Acker 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 $6,000 or less to be QHC. As a result, employer group health plans should be prepared to provide employees with documentation about whether the plan is QHC to allow plan participants to opt-out of PIP coverage if the group health plan is QHC. Loss of Qualified Health Coverage During No-Fault Policy Term. xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!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 This field is for validation purposes and should be left unchanged. No attorney-client relationship is formed nor should any such relationship be implied. 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 To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. $250,000 per person per accident with exclusions. 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. 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 endobj However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. Create an account now. 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. . Physician Qualification Form (PDF) Healthy Blue Achieve Form PDF State of Michigan Department of Insurance and Financial Services 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. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. Follow the instructions on the page to have your letter created. Your doctor will submit the form by following the instructions on the back. Click My Plan and Spending. Health. Do you wish to proceed? Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. 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. 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 Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. We provide health insurance in Michigan. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. Youll have the option of choosing from different levels of personal injury protection coverage. State and Federal Privacy laws prohibit unauthorized access to Member's private information. 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. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. 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. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. . Individuals attempting unauthorized access will be prosecuted. 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. Find the forms and documents you need Medical, dental & vision claim forms Pharmacy mail-order & claims If you are interested in a rewarding position helping Michiganders apply today! <> All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. Michigan No-Fault Insurance Reform Goes into Effect July 2020 Are you looking for the form that coordinates your auto and medical insurance after an accident? Follow the instructions on the page to have your letter created. All rights reserved. Where do I get my letter? Michigan.gov. . Michigan Qualified Health Insurance Letter We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). You can call the number on the back of your member ID card. You can find what youll need on oursubrogation page. Benefit Plan Forms and Documents - Human Resources University of Michigan 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. An appointment with your doctor to fill out the forms. 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. 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. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. 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. Some of the information on this site may be deemed attorney advertising in some states. Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. Letters for your auto insurance carrier - MESSA Under certain circumstances, individuals with QHC may be able to opt-out of PIP coverage under their no-fault policy, which generally will lead to a lower premium. 2.26 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage. 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 $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. The changes could affect employers health plan costs for Michigan residents. 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. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. 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. {f/3mq0NAe7m`K3 c (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. My auto insurance company has requested a letter stating I have qualified health 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). They are required to prepare and provide this documentation. 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 and Michigan Auto Insurance Reform The big selling point for Michigan new auto No-Fault law was that it would save drivers money. 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. , 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. Reform now allows you to select the level of PIP you want. Individuals attempting unauthorized access will be prosecuted. Where does my client go to get a Qualified Health Coverage (QHC) letter? Click My Plan and Spending. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. Letters can only be produced based on enrollment as of the current date. Has an annual deductible of $6,000.00 or less per covered individual. stream Starting July 1, you can choose your level of PIP. 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. $250,000 per person per accident. 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. PDF How we coordinate health coverage with your car or motorcycle - BCBSM Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. Please see Bulletin 2020-01-INS for more information. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. 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. 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. Your doctor will submit the form by following the instructions on the back. What information must be included in this letter? Information will be needed from both you and your doctor. Were happy to help. 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. Get access to your member portal. endstream endobj startxref Learn more about U-Ms health plans and PIP. % 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. To get your financial incentive, you'll need to fill it out with your doctor. U-M health plans are qualified health coverage as defined by the insurance code. PDF Public Acts 21 and 22 of 2019 - Michigan Technological University PDF Certificate of Coverage 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. Download paper YLB i5xueW|. Not Registered? 1 0 obj 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. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. Registration is easy! %PDF-1.7 (MCL 500.3107d(7)(b)(ii)). 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 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. 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. Health insurance is perceived as less costly than No-Fault. PDF Michigan Department of Insurance and Financial Services Quick Facts 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. 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. For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. Create your account today for an optimal, personalized experience. Your qualified health coverage does not exclude or limit coverage for motor vehicle accidents and . 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 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. endobj You can call the number on the back of your member ID card. Blue Cross Complete of Michigan may be referred to in this .. This is not intended to substitute for the advice of an attorney. 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. Auto insurance reform | Priority Health Under the plan documents section, click Michigan Auto Reform to request a letter be mailed to the subscriber's address. endstream endobj 61 0 obj <. Don't have a member account? Health Insurance Forms for Individuals & Families - Aetna 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. This letter confirms . There are several ways you can request a QHC letter. If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. 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 . 0 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.

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