To request your QHC confirmation letter: Log in to your member account. Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. 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). PDF State of Michigan Department of Insurance and Financial Services For Medicare Members: No-fault auto law changes | bcbsm.com She has practiced law in Michigan since 2002 and is a member in our Detroit office. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. Follow the instructions on the page to have your letter created. Two letters confirming you have MESSA coverage that are often requested by your auto insurance carrier can be found in your MyMESSA member account. Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. 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! Your doctor will submit the form by following the instructions on the back. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. There are several ways you can request a QHC letter. To find forms customized for your benefits, log in to your member account. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. 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. 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. 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. The Michigan law (Mich. Comp. The big selling point for Michigan new auto No-Fault law was that it would save drivers money. 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. 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. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices CLINICAL NURSING DIRECTOR (D. Dan and Betty Kahn Health Care Pavilion 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. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Need a Health Care Plan Verification Letter for Your Auto Insurance PDF Public Acts 21 and 22 of 2019 - Michigan Technological University This letter confirms . We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. If you intend to waive or reduce the level of personal injury insurance (PIP) on your auto policy, you may be asked by your auto insurance company to provide a letter stating you are enrolled in a qualified health coverage. Blue Cross Complete of Michigan may be referred to in this .. 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. 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. The law is subject to frequent changes and varies from one jurisdiction to another. endobj stream Click My Plan and Spending. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X "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. 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 PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. Don't have a member account? % Past results are no guarantee of future results. Michigan Auto Insurance Reform -- What HAP Members Should Know 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. PDF State of Michigan Department of Insurance and Financial Services 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. 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. 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. We provide health insurance in Michigan. 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. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. Health. 4 0 obj 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. 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. Download paper Go to Licensing - Consumer Finance and Mortgage, Go to Additional Financial and Insurance Services Forms, Go to DIFS Biographies and Public Officials, Life Insurance and Annuity Search Service (LIAS), Financial Education (Banking, Credit Union and Credit Information), The full names and dates of birth of all individuals covered under the policy or plan; and. Those children who lose coverage automatically will be referred to Florida KidCare, a state-sponsored health insurance program with low monthly premiums. 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 What information must be included in this letter? Unlimited coverage, the default option. ., 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?. Within 30 days of losing . You can call the number on the back of your member ID card. 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 This field is for validation purposes and should be left unchanged. Michigan.gov. hb``e``h^ PDF Michigan Department of Insurance and Financial Services Quick Facts . 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. 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. New PIP Insurance Options in Michigan. Full name(s) and date(s) of birth of all individuals covered by policy: Name: ________________________________________ Michigan No-Fault Insurance Reform Goes into Effect July 2020 If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. U-M Health Plans and Michigan Auto Insurance Reform (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. Health Benefit Plans | Oakland County, MI Information will be needed from both you and your doctor. Qualification Forms | Managing My Account | bcbsm.com 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. <>/Metadata 111 0 R/ViewerPreferences 112 0 R>> 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. Were happy to help. Employers May Need to Provide Employees with Documentation of Qualified Get access to your member portal. endstream endobj startxref There are several ways you can request a QHC letter. Click My Plan and Spending. qualified health coverage. If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. Auto insurance agencies require a letter confirming your QHC. Individuals attempting unauthorized access will be prosecuted. 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. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. Michigan Medicine improves the health of . 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. 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. U-M health plans are qualified health coverage as defined by the insurance code. 3 0 obj Federal Register :: Clarifying Eligibility for a Qualified Health Plan 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 $6,000 or less per individual. (MCL 500.3107d(7)(b)(i)), Or it is Medicare coverage. endobj Site Map|Feedback|Download Adobe Acrobat Reader, Learn more about a Healthier Michigan.org, How Michigan's no-fault auto insurance law affects Medicare members, Important Information About Medicare Plans. PDF Sample Qualified Health Coverage Documentation - Michigan A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. An individual may opt-out of PIP coverage if the individual has QHC. If you have questions about which forms are meant for your use, call the toll-free number on the back of your member ID card. <> The claim behind the new auto law was that it would save drivers money on their auto insurance. %%EOF A big reason for this is that many health care plans either do not cover medical services for car accident-related injuries, or drastically limit these medical services. xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!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 Where does my client go to get a Qualified Health Coverage (QHC) letter? Letters for your auto insurance carrier - MESSA Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. PDF This letter applies to plan year 01/01/2022 - 12/31/2022 To: MSU Need to talk with DIFS? - Mira. DIFS Prohibition Orders for Consumer Finance and Credit Union. 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 Department of Insurance and Financial Services (DIFS) can also help answer your questions. %PDF-1.7 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. In other words, if a plans in-network deductible for individual coverage is $6,000 or less, it appears the entire plan is QHC even if the out-of-network or family tier deductible is more than $6,000. 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. 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). 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. 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. 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. 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. 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). It's not meant to substitute for legal advice or for your coverage certificate. 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 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. The state of Michigan currently requires individuals to purchase unlimited personal injury protection, or PIP, through their auto insurer. If your application for Life Insurance coverage requires completion of a , Health (8 days ago) WebThis letter applies to plan year 01/01/2022 - 12/31/2022 insurance plans meet the requirements to be considered qualified health coverage: Blue Care Network MI , Encompass health therapy clinical ladder, Sound health and wellness for providers, Priority health provider manual michigan, Baptist health medical group endocrinology, Baptist health hardin lymphedema clinic, Occupational health and safety positions, 2022 health-mental.org. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. 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. Youll have the option of choosing from different levels of personal injury protection coverage. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. Letters for your auto insurance carrier - MESSA Health Insurance Forms for Individuals & Families - Aetna 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. 2 0 obj 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. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices 0 They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. To request your QHC confirmation letter: Log in to your member account. If you have any questions, please contact us. An appointment with your doctor to fill out the forms. 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. If you don't see a QHC letter online or are unable to get one through calling the number on the back of your card, you can reach out to your employer to request the letter. Use of a computer or larger sized tablet is recommended. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. 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. (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)). Reform now allows you to select the level of PIP you want. Letters can only be produced based on enrollment as of the current date. The changes could affect employers health plan costs for Michigan residents. Loss of Qualified Health Coverage During No-Fault Policy Term. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. 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. No attorney-client relationship is formed nor should any such relationship be implied. The catch, however, is that many of these medical services that are not covered or that are drastically limited with health insurance are still considered vital to a car accident injury victims care and recovery. endobj A letter indicating whether the consumer's coverage would coordinate with no-fault benefits. Registration is easy! 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 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 state's auto insurance reform law that took effect July 1. 60 0 obj <> endobj The Video could not be loaded because the privacy settings are disabled. If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). Michigan clarifies qualified health coverage for auto - Mercer As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. 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