endobj ., 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?. A list of reports produced by our Department. <> Full name(s) and date(s) of birth of all individuals covered by policy: Name: ________________________________________ 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. Your qualified health coverage does not exclude or limit coverage for motor vehicle accidents and . Michigan Assigned Claims Plan . What information must be included in this letter? Your doctor will submit the form by following the instructions on the back. Has an annual deductible of $6,000.00 or less per covered individual. (MCL 500.3107d(7)(b)(ii)). 1 0 obj 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. Follow the instructions on the page to have your letter created. Need to talk with DIFS? 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. Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). But now the new qualified health coverage requirement effectively undoes much of this. <>/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>> Reform now allows you to select the level of PIP you want. 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. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. The changes could affect employers' health plan costs for Michigan residents. 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. She has practiced law in Michigan since 2002 and is a member in our Detroit office. This is not intended to substitute for the advice of an attorney. Don't have a member account? A letter indicating whether the consumer's coverage would coordinate with no-fault benefits. The claim behind the new auto law was that it would save drivers money on their auto insurance. Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. 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. The law is subject to frequent changes and varies from one jurisdiction to another. 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. Blue Cross Complete of Michigan may be referred to in this .. 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. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X 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 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 Click My Plan and Spending. 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. 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. This letter confirms . 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. Very professional and prompt! Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. 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. We provide health insurance in Michigan. 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. (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)). endobj A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. 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. 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. Two letters confirming you have MESSA coverage that are often requested by your auto insurance carrier can be found in your MyMESSA member account. 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. 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. You can call the number on the back of your member ID card. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices (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. 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. Under the plan documents section, click Michigan Auto Reform to request a letter be mailed to the subscriber's address. 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. endstream endobj 61 0 obj <. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. 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. 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) . qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . 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. I recommended him to all my friends and neighbors." (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. Register Now. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. 0 $250,000 per person per accident with exclusions. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. You can also connect with us via live chat; to get started, go to messa.org/contact. 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. 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. 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 fact sheet provides general information about health, car or motorcycle insurance. Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. 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. All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. 60 0 obj <> endobj An appointment with your doctor to fill out the forms. 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. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. 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. 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 . 2 0 obj Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. 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 Health. You can call the number on the back of your member ID card. Please see Bulletin 2020-01-INS for more information. 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. 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. Information will be needed from both you and your doctor. You can opt out of, or cut your level of medical benefits, under the auto plan. Not Registered? 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. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. 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. (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 . Category: Health Detail Health. State and Federal Privacy laws prohibit unauthorized access to Member's private information. I also found very useful information about the new auto law. Do you wish to proceed? Not Registered? Michigans no-fault law no longer requires Michigan drivers to carry unlimited medical coverage (frequently referred to as PIP coverage). Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. 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. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. endobj <> The Video could not be loaded because the privacy settings are disabled. If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. Follow the instructions on the page to have your letter created. You must have qualified health coverage (QHC) that is not Medicare; AND. 2007-2023 Michigan Auto Law. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices <>/Metadata 111 0 R/ViewerPreferences 112 0 R>> The Michigan law (Mich. Comp. There are several ways you can request a QHC letter. U-M health plans are qualified health coverage as defined by the insurance code. . 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. Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. An individual may opt-out of PIP coverage if the individual has QHC. The changes could affect employers health plan costs for Michigan residents. qualified health coverage, you must notify your insurer within 30 days of loss of coverage. DIFS confirmed this interpretation of the bulletin in an informal conversation with us. To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. Individuals attempting unauthorized access will be prosecuted. . "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. Physician Qualification Form (PDF) Healthy Blue Achieve Form 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. If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. % "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. 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. This field is for validation purposes and should be left unchanged. 2023 The Regents of the University of Michigan, Learn more about U-Ms health plans and PIP, The Regents of the University of Michigan. Each letter serves a distinct and specific purpose: You can find both letters by logging in to your MyMESSA member account and selecting the Benefits menu. The state of Michigan currently requires individuals to purchase unlimited personal injury protection, or PIP, through their auto insurer. Find the forms and documents you need Medical, dental & vision claim forms Pharmacy mail-order & claims Health insurance is perceived as less costly than No-Fault. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. Download paper 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. To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. 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). 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. 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). 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 . Please see Bulletin 2020-01-INS for more information. 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. (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 . Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. If you are unable to access Wolverine Access to obtain yourHealth Care Plan Verification Letter please emailsharedservices@umich.eduwith your request. YLB i5xueW|. You can log in to your online member account to see if you have a QHC letter to download. Health. 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 All rights reserved. It's not meant to substitute for legal advice or for your coverage certificate. 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.
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