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. Michigan.gov. To request your QHC confirmation letter: Log in to your member account. Use of a computer or larger sized tablet is recommended. Follow the instructions on the page to have your letter created. 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. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. Do you wish to proceed? If you are unable to access Wolverine Access to obtain yourHealth Care Plan Verification Letter please emailsharedservices@umich.eduwith your request. %%EOF Michigan Medicine improves the health of . 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. 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 $50,000 PIP medical limit is available when the applicant is enrolled in Medicaid and family members have QHC or PIP medical coverage. New PIP Insurance Options in Michigan. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. 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 - Mira. Where does my client go to get a Qualified Health . Category: Health Detail Health. You can log in to your online member account to see if you have a QHC letter to download. You can opt out of, or cut your level of medical benefits, under the auto plan. If you have any questions, please contact us. 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. Youll have the option of choosing from different levels of personal injury protection coverage. 4 0 obj 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. {f/3mq0NAe7m`K3 c 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. up to $2,000,000 if they have no other . 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. 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. Download paper Self-insured plan sponsors may need to adjust expected costs for Michigan residents. 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) . Create an account now. 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. <> 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 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 claim behind the new auto law was that it would save drivers money on their auto insurance. You must have qualified health coverage (QHC) that is not Medicare; AND. They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. 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. . The web Browser you are currently using is unsupported, and some features of this site may not work as intended. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. $250,000 per person per accident with exclusions. endobj 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. Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. 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. 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. 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. 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. 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. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. 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. 0 These are the relevant coverage levels and requirements: Additionally, QHC plays a role in a new arrangement for the coordination of health and No-Fault coverage: Qualified health coverage is important because without it drivers will not be able to take advantage of the insurance options under the new Michigan No-Fault insurance law that politicians have promised will save them money. 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. Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. This could leave the employer-sponsored health plan as the sole source of medical coverage for injuries related to an auto accident in some situations. He can be contacted at (248) 353-7575. Reform now allows you to select the level of PIP you want. 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. 2 0 obj If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). 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. 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. 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. 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. 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. 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. To request your QHC confirmation letter: Log in to your member account. 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. A letter indicating whether the consumer's coverage would coordinate with no-fault benefits. 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. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. They are required to prepare and provide this documentation. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). 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 How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. You can log in to your online member account to see if you have a QHC letter to download. 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). Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. 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. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. 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. To select this option . YLB i5xueW|. Health insurance is perceived as less costly than No-Fault. Auto insurance agencies require a letter confirming your QHC. 2007-2023 Michigan Auto Law. 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. <> Registration is easy! If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. Physician Qualification Form (PDF) Healthy Blue Achieve Form 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. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. Explore Mercers latest thinking to see how were helping to redefine the world of work, reshape retirement and investment outcomes, and unlock real health and well-being. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. (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. Blue Cross Complete of Michigan may be referred to in this .. Within 30 days of losing . 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. 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. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. 60 0 obj <> endobj Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. This expands the number of plans that could qualify as QHC. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. 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. qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . (7 days ago) WebA 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 . Please see Bulletin 2020-01-INS for more information. However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. Blue Care Network Member Reimbursement Form Where do I get my letter? Licensing - Consumer Finance and Mortgage. You can call the number on the back of your member ID card. My auto insurance company has requested a letter stating I have qualified health coverage. Follow the instructions on the page to have your letter created. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. DIFS confirmed this interpretation of the bulletin in an informal conversation with us. 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. (8 days ago) WebMichigan State University 1407 S. Harrison, Suite 110 East Lansing, MI48823 517-353-4434 Fax: 517-432-3862 hr.msu.edu These plans meet the requirements to be . hb``e``h^ Are you looking for the form that coordinates your auto and medical insurance after an accident? The changes could affect employers health plan costs for Michigan residents. If you are interested in a rewarding position helping Michiganders apply today! "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . 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. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. , 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. I also found very useful information about the new auto law. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. 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. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. State and Federal Privacy laws prohibit unauthorized access to Member's private information. 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. 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. 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. This Video is unable to play due to Privacy Settings. Please see Bulletin 2020-01-INS for more information. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. (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. Were happy to help. This letter confirms . 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.