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. It's not meant to substitute for legal advice or for your coverage certificate. Unlimited coverage, the default option. 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. Where do I get my letter? 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. 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. 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). . Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. Licensing - Consumer Finance and Mortgage. Employers May Need to Provide Employees with Documentation of Qualified 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. 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. PDF Michigan Department of Insurance and Financial Services Quick Facts 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. Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. <>/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>> Your doctor will submit the form by following the instructions on the back. $250,000 per person per accident. 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. They are required to prepare and provide this documentation. He can be contacted at (248) 353-7575. 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. endstream endobj 61 0 obj <. 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. Do you wish to proceed? 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. For Medicare Members: No-fault auto law changes | bcbsm.com Starting July 1, you can choose your level of PIP. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices 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. This field is for validation purposes and should be left unchanged. qualified health coverage, you must notify your insurer within 30 days of loss of coverage. Health insurance is perceived as less costly than No-Fault. You can log in to your online member account to see if you have a QHC letter to download. 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. 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. Need to talk with DIFS? (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)). If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. Follow the instructions on the page to have your letter created. PDF State of Michigan Department of Insurance and Financial Services Registration is easy! %PDF-1.7 Reform now allows you to select the level of PIP you want. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. You can log in to your online member account to see if you have a QHC letter to download. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . Michigan No-Fault Insurance Reform Goes into Effect July 2020 There are several ways you can request a QHC letter. 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. Don't have a member account? 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. 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 If you need further assistance, or have any other questions about your MESSA coverage, call our Member Service Center at 800.336.0013. The law is subject to frequent changes and varies from one jurisdiction to another. $250,000 per person per accident with exclusions. 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. 2007-2023 Michigan Auto Law. Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. Very professional and prompt! Where does my client go to get a Qualified Health Coverage (QHC) 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. endobj You can find what youll need on oursubrogation page. 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 provide health insurance in Michigan. 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. 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. or . You can call the number on the back of your member ID card. Michigan Medicine improves the health of . 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. 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. Unfortunately, suppose the above three items are not included in this letter from your medical insurance carrier. PDF This letter applies to plan year 01/01/2022 - 12/31/2022 To: MSU hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X 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. Not Registered? 0 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) . stream The changes could affect employers' health plan costs for Michigan residents. Are you looking for the form that coordinates your auto and medical insurance after an accident? Need a Health Care Plan Verification Letter for Your Auto Insurance 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. But now the new qualified health coverage requirement effectively undoes much of this. This expands the number of plans that could qualify as QHC. DIFS Bulletin 2020-33-INS clarifies that to be QHC any annual deductible must be $6,000 or less, which includes in-network and out-of-network deductibles, as well as deductibles that are offset in any manner, such as by funds contributed to health reimbursement arrangements (HRAs). The big selling point for Michigan new auto No-Fault law was that it would save drivers money. Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. Physician Qualification Form (PDF) Healthy Blue Achieve Form 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. Do I have to keep PIP with Michigan's no fault law? | Goodman Acker Not Registered? Create your account today for an optimal, personalized experience. %PDF-1.6 % If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. Get access to your member portal. If you are unable to access Wolverine Access to obtain yourHealth Care Plan Verification Letter please emailsharedservices@umich.eduwith your request. 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 QHC letter in the Proof of Insurance section at the bottom of the page. Michigans no-fault law no longer requires Michigan drivers to carry unlimited medical coverage (frequently referred to as PIP coverage). Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant.
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