Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. - Mira. Where does my client go to get a Qualified Health Coverage (QHC) letter? Get access to your member portal. For Medicare Members: No-fault auto law changes | bcbsm.com Were happy to help. Claims are processed according to your benefits and the laws in effect in the state where you reside. 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. 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. Please see Bulletin 2020-01-INS for more information. Where does my client go to get a Qualified Health . 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. % Qualifying life event documents | bcbsm.com PDF Michigan Department of Insurance and Financial Services Quick Facts Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. State and Federal Privacy laws prohibit unauthorized access to Member's private information. Information will be needed from both you and your doctor. 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. 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. 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. The Video could not be loaded because the privacy settings are disabled. 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). 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. 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. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. Letters for your auto insurance carrier - MESSA <> Health insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. PDF Certificate of Coverage You can find what youll need on oursubrogation page. Registration is easy! (MCL 500.3109a(2)(a)), The $50,000 coverage level is expected to provide average (not individual) savings of 45%. PDF How we coordinate health coverage with your car or motorcycle - BCBSM (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 . Employers May Need to Provide Employees with Documentation of Qualified 2 0 obj 1 0 obj Michigan Assigned Claims Plan . 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. Personal Injury Protection & Qualified Health Letters - Mason-McBride "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. (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. . But now the new qualified health coverage requirement effectively undoes much of this. Hundreds of thousands of Florida children could lose health 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. Blue Cross Complete of Michigan may be referred to in this .. Plan Documents and Forms | Help Center | bcbsm.com A $50,000 PIP medical limit is available when the applicant is enrolled in Medicaid and family members have QHC or PIP medical coverage. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. 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. They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. 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. Physician Qualification Form (PDF) Healthy Blue Achieve Form You can log in to your online member account to see if you have a QHC letter to download. 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. 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. Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. 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. Michigan Auto Insurance Reform -- What HAP Members Should Know Qualified health coverage is the insurance that the new Michigan No-Fault insurance law requires drivers to have to be able to select certain PIP medical benefit levels. The state of Michigan currently requires individuals to purchase unlimited personal injury protection, or PIP, through their auto insurer. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. 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 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). 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 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 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. 60 0 obj <> endobj Qualification Forms | Managing My Account | bcbsm.com The Michigan law (Mich. Comp. ., 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?. qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . 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. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. You must have qualified health coverage (QHC) that is not Medicare; AND. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. Michigans no-fault law no longer requires Michigan drivers to carry unlimited medical coverage (frequently referred to as PIP coverage). Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). 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. No attorney-client relationship is formed nor should any such relationship be implied. For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. You can call the number on the back of your member ID card. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. Youll have the option of choosing from different levels of personal injury protection coverage. A statement: (a) as to whether the coverage provided constitutes "qualified health coverage" as defined in MCL 500.3107d(7)(b)(i), or (b) that the coverage: Does not exclude coverage for motor vehicle accidents and Has an annual deductible of $6,000.001 or less per covered individual. She has practiced law in Michigan since 2002 and is a member in our Detroit office. As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. Insureds will have to , Health (6 days ago) WebThere are several ways you can request a QHC letter. Need a Health Care Plan Verification Letter for Your Auto 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 . The level of PIP coverage you choose will impact the cost of your auto insurance coverage. The $50,000 coverage level for drivers enrolled in Medicaid requires that the drivers spouse or relative who lives in the same home have QHC, be enrolled in Medicaid or have his or her own No-Fault auto insurance policy. endobj Oakland County's Qualified Health Coverage Letter for Retiree Notice of Qualified Health Coverage for Purposes of Michigan No-Fault Auto Law Medical Health Plans ASR Plan Documents ASR PPO 1 Plan Document ASR PPO 3 Plan Document Summary of Benefits and Coverage 2023 PPO 1 Summary of Benefits and Coverage 2023 PPO 3 Summary of Benefits and Coverage Learn more about U-Ms health plans and PIP. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018.
