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. Drivers could attempt to save money by opting for lower PIP coverage levels. Individuals attempting unauthorized access will be prosecuted. To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. 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. 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. You can also connect with us via live chat; to get started, go to messa.org/contact. No-fault auto insurance changes in Michigan | bcbsm.com CLINICAL NURSING DIRECTOR (D. Dan and Betty Kahn Health Care Pavilion Michigan Qualified Health Care Letter $250,000 per person per accident with exclusions. This is not intended to substitute for the advice of an attorney. 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. PDF EMPLOYERS: HELP YOUR EMPLOYEES REALIZE SAVINGS! - Detroit Employers May Need to Provide Employees with Documentation of Qualified Where do I get my letter? All rights reserved. Qualification Forms | Managing My Account | bcbsm.com endobj Create your account today for an optimal, personalized experience. An appointment with your doctor to fill out the forms. The law is subject to frequent changes and varies from one jurisdiction to another. Health Benefit Plans | Oakland County, MI DIFS Prohibition Orders for Consumer Finance and Credit Union. 2 0 obj 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) . 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. 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 The web Browser you are currently using is unsupported, and some features of this site may not work as intended. To request your QHC confirmation letter: Log in to your member account. Personal Injury Protection & Qualified Health Letters - Mason-McBride If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). Scroll down to Additional resources, where the two letters are listed by name under the Medical section of Plan information.. 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. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. 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. Within 30 days of losing . State and Federal Privacy laws prohibit unauthorized access to Member's private information. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. Michigan Qualified Health Insurance Letter Unfortunately, suppose the above three items are not included in this letter from your medical insurance carrier. 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 Where does my client go to get a Qualified Health Coverage (QHC) letter Auto insurance reform | Priority Health 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. Where does my client go to get a Qualified Health Coverage (QHC) letter? All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. 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. 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. 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. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. 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. 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. 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 youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. If you have any questions, please contact us. hb``e``h^ What information must be included in this letter? Insureds will have to contact their health insurer or health plan to obtain this documentation. "Qualified Health Coverage" means your health coverage: Does not exclude or limit coverage for motor vehicle accidents; and Has an annual deductible of $6,000.00 or less per covered individual. If so, the employee and any covered family members may be in a position to opt out of or substantially reduce PIP medical coverage offered by the auto insurer. I recommended him to all my friends and neighbors." Oakland County's Qualified Health Coverage Letter for Retiree Notice of Qualified Health Coverage for Purposes of Michigan No-Fault Auto Law Medical Health Plans ASR Plan Documents ASR PPO 1 Plan Document ASR PPO 3 Plan Document Summary of Benefits and Coverage 2023 PPO 1 Summary of Benefits and Coverage 2023 PPO 3 Summary of Benefits and Coverage But now the new qualified health coverage requirement effectively undoes much of this. xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!w'?u3a.y%}oN|_=/s/457LugLYFGT3G.9e-\HE+mm>}]p7e ~u/{#d\IyN>4}~lksnMfySJ}nB#?9TJgHGzLkCYYE=bTvCybKgk7?=kswC{=m;,{yj):q&kFv,70:VSG=9K~i)yYZmj5Vc+\X\@a.%uS@ nQ$!N'8|e[GQ&^h5y$=Y7Q/_kBPIEg89\]%[`^FMBcII"A(@!,$5,_2X.H4Sm_.a,ZiISP?)$,bULZPA*t KP{[_:S2iB5Ld!Tq@sNM}8KT0]7`{ELV ~I6ZI_KeE+r"UkYlr;=^EdJzxpdnh>MZAyEfp1d>>/ioJoR?-Kwvn+co,E{bb+H#\W\^`J|wS$:x-{V,}S$T6UCuqMR6dn19[ k[mFwf6\D)%WQIcr6jF[R_X,iHX6 V"0W6m(:FRMyS&8HcD]n}(fbj19e oOuY`AGbbL_[,}M h{D'J}a_#r`}$"NirL1Fm'$u0eb zNLIj9R(g$e}5s;szg-3:-FAa(i]U'r6NDX O }j/&8]ZX5>qesS>SlH K5h,[Bx/dj>uiVmj The changes could affect employers health plan costs for Michigan residents. Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. 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. The Michigan law (Mich. Comp. (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)). Loss of Qualified Health Coverage During No-Fault Policy Term. The Video could not be loaded because the privacy settings are disabled. Starting July 1, you can choose your level of PIP. Registration is easy! 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 . Very professional and prompt! New PIP Insurance Options in Michigan. Click My Plan and Spending. It's not meant to substitute for legal advice or for your coverage certificate. Physician Qualification Form (PDF) Healthy Blue Achieve Form Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. 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. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. . 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).
