A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. 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. Where does my client go to get a Qualified Health Coverage (QHC) letter U-M health plans are qualified health coverage as defined by the insurance code. 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. endstream endobj 61 0 obj <. Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. 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. Your doctor will submit the form by following the instructions on the back. Very professional and prompt! The changes could affect employers' health plan costs for Michigan residents. Register Now. Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. 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. You can log in to your online member account to see if you have a QHC letter to download. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. Benefit Plan Forms and Documents - Human Resources University of Michigan 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. PDF Public Acts 21 and 22 of 2019 - Michigan Technological University Claims are processed according to your benefits and the laws in effect in the state where you reside. 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. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . 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. PDF Certificate of Coverage 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. PDF State of Michigan Department of Insurance and Financial Services Need a Health Care Plan Verification Letter for Your Auto Insurance Download paper 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 Category: Health Detail Health. 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. A list of reports produced by our Department. I also found very useful information about the new auto law. Michigan.gov. or . 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. You can opt out of, or cut your level of medical benefits, under the auto plan. Click My Plan and Spending. Health Insurance Forms for Individuals & Families - Aetna endstream endobj startxref Site Map|Feedback|Download Adobe Acrobat Reader, Learn more about a Healthier Michigan.org, Important Information About Medicare Plans, Your subscriber ID card, formerly known as enrollee ID. No attorney-client relationship is formed nor should any such relationship be implied. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. 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. 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. This fact sheet provides general information about health, car or motorcycle insurance. 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. This Video is unable to play due to Privacy Settings. Physician Qualification Form (PDF) Healthy Blue Achieve Form A letter indicating whether the consumer's coverage would coordinate with no-fault benefits. DIFS confirmed this interpretation of the bulletin in an informal conversation with us. But now the new qualified health coverage requirement effectively undoes much of this. 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. We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. 4 0 obj stream In Insurance Bulletin 2020-01-INS, entitled Qualified Health Coverage Notices and issued on January 14, 2020, Michigans Insurance Commissioner stated that, because individuals who have (QHC) are allowed to make certain choices regarding their no-fault coverage, [h]ealth insurers and health plans should develop a document that indicates whether a persons coverage is qualified for purposes of no-fault insurance . Where do I get my letter? 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. Auto insurance reform | Priority Health State and Federal Privacy laws prohibit unauthorized access to Member's private information. Hundreds of thousands of Florida children could lose health coverage Drivers could attempt to save money by opting for lower PIP coverage levels. If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. The guidance also indicates that a group health plan with an individual deductible offset in any manner (e.g., by funds contributed to health reimbursement arrangements) so as not to exceed $6,000 could qualify as QHC, provided the plan doesnt exclude or limit medical coverage for auto accident injuries. Register Now. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. 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. qualified health coverage. <> 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. Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. 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 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. 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. endobj <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 11 0 R 29 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> 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. . To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. 60 0 obj <> endobj 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. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. 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. 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. (MCL 500.3107d(7)(b)(ii)). (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. My auto insurance company has requested a letter stating I have qualified health coverage. Create your account today for an optimal, personalized experience. Click My Plan and Spending. You can log in to your online member account to see if you have a QHC letter to download. 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. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. 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. 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. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. Do I have to keep PIP with Michigan's no fault law? | Goodman Acker Starting July 1, you can choose your level of PIP. The big selling point for Michigan new auto No-Fault law was that it would save drivers money. There are several ways you can request a QHC letter. For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. 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. (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 . Not Registered? up to $2,000,000 if they have no other . We provide health insurance in Michigan. If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. Where does my client go to get a Qualified Health . I recommended him to all my friends and neighbors." You can call the number on the back of your member ID card. 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. ., 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?. PDF State of Michigan Department of Insurance and Financial Services Within 30 days of losing . 2.26 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage.
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