This is not intended to substitute for the advice of an attorney. (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. 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. Blue Care Network Member Reimbursement Form hb``e``h^ 2007-2023 Michigan Auto Law. Individuals attempting unauthorized access will be prosecuted. 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. 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. U-M health plans are qualified health coverage as defined by the insurance code. 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). 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. Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. (MCL 500.3109a(2)(a)), The $50,000 coverage level is expected to provide average (not individual) savings of 45%. stream Health. The new Michigan No-Fault insurance law defines qualified health coverage in two ways: Check out our video to learn more about what qualified health coverage is under Michigans No-Fault auto insurance law: Yes. Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. He can be contacted at (248) 353-7575. 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. "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. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. 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. I recommended him to all my friends and neighbors." The changes could affect employers' health plan costs for Michigan residents. Where does my client go to get a Qualified Health . Not Registered? A $50,000 PIP medical limit is available when the applicant is enrolled in Medicaid and family members have QHC or PIP medical coverage. If you are interested in a rewarding position helping Michiganders apply today! 3 0 obj <> Those children who lose coverage automatically will be referred to Florida KidCare, a state-sponsored health insurance program with low monthly premiums. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. 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. 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 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). A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. Your doctor will submit the form by following the instructions on the back. %PDF-1.7 Auto insurance agencies require a letter confirming your QHC. Scroll down to Additional resources, where the two letters are listed by name under the Medical section of Plan information.. Register Now. 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. 100 0 obj <>stream Very professional and prompt! Please see Bulletin 2020-01-INS for more information. Create an account now. You can find what youll need on oursubrogation page. $250,000 per person per accident with exclusions. She has practiced law in Michigan since 2002 and is a member in our Detroit office. 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. {f/3mq0NAe7m`K3 c Michigan Medicine improves the health of . Loss of Qualified Health Coverage During No-Fault Policy Term. Drivers could attempt to save money by opting for lower PIP coverage levels. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. 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-1.6 % Michigan.gov. 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. Letters can only be produced based on enrollment as of the current date. Health insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. You can log in to your online member account to see if you have a QHC letter to download. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. 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. 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. 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 endobj Your doctor will submit the form by following the instructions on the back. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. Are you looking for the form that coordinates your auto and medical insurance after an accident? 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. For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. 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. We provide health insurance in Michigan. Where do I get my 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. 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 An individual may opt-out of PIP coverage if the individual has QHC. 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. 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. Reform now allows you to select the level of PIP you want. They may also contact the HR Solutions Center at [email protected]. . qualified health coverage, you must notify your insurer within 30 days of loss of coverage. 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. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. 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. You can also connect with us via live chat; to get started, go to messa.org/contact. If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). endobj Do you wish to proceed? Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. Get access to your member portal. To find forms customized for your benefits, log in to your member account. 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). 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. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. 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. , 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. There are several ways you can request a QHC letter. Were happy to help. qualified health coverage. up to $2,000,000 if they have no other . It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. 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.
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