endstream endobj 61 0 obj <. To select this option . 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. 3 0 obj 4 0 obj qualified health coverage, you must notify your insurer within 30 days of loss of coverage. Click My Plan and Spending. 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 PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. 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 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 is not intended to substitute for the advice of an attorney. - Mira. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. 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. 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. 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 (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. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. Download paper , 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 law is subject to frequent changes and varies from one jurisdiction to another. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. Do you wish to proceed? IDENTIFICATION REQUIRED BY MPRC RULE 7.2(d): Attorney Steven M. Gursten is responsible for the content of Michigan Auto Laws advertisement. 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. They are required to prepare and provide this documentation. There are several ways you can request a QHC letter. <> 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. 1 0 obj 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. 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. Information will be needed from both you and your doctor. The Video could not be loaded because the privacy settings are disabled. 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. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. 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. 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). This field is for validation purposes and should be left unchanged. 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. PDF This letter applies to plan year 01/01/2022 - 12/31/2022 To: MSU She has practiced law in Michigan since 2002 and is a member in our Detroit office. It's not meant to substitute for legal advice or for your coverage certificate. Employers May Need to Provide Employees with Documentation of Qualified PDF State of Michigan Department of Insurance and Financial Services 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 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. Don't have a member account? Your doctor will submit the form by following the instructions on the back. 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. Has an annual deductible of $6,000.00 or less per covered individual. 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. Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. endobj 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. Personal Injury Protection & Qualified Health Letters - Mason-McBride Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. 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. 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. Hundreds of thousands of Florida children could lose health coverage Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. Health Benefit Plans | Oakland County, MI Starting July 1, you can choose your level of PIP. To find forms customized for your benefits, log in to your member account. PDF State of Michigan Department of Insurance and Financial Services Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. 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. DIFS Prohibition Orders for Consumer Finance and Credit Union. What information must be included in this 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). Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. This reform affects the level of personal injury insurance (PIP) you choose for yourself under your auto insurance plan, as well as others covered under your plans. 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. Some of the information on this site may be deemed attorney advertising in some states. . 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. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. 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. All rights reserved. To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. . 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). 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.