Youll have the option of choosing from different levels of personal injury protection coverage. You can also connect with us via live chat; to get started, go to messa.org/contact. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. This expands the number of plans that could qualify as QHC. Where do I get my letter? To request your QHC confirmation letter: Log in to your member account. Estimates are that enrollment in Florida . 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. To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. Claims are processed according to your benefits and the laws in effect in the state where you reside. Site Map|Feedback|Download Adobe Acrobat Reader, Learn more about a Healthier Michigan.org, Important Information About Medicare Plans, Your subscriber ID card, formerly known as enrollee ID. Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. Explore Mercers latest thinking to see how were helping to redefine the world of work, reshape retirement and investment outcomes, and unlock real health and well-being. Download paper If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. endobj 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. 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. 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 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. 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. <>/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>> 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. The law is subject to frequent changes and varies from one jurisdiction to another. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. 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. To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. - Mira. 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. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. This letter confirms . 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. 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 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. You can call the number on the back of your member ID card. 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 you have any questions, please contact one of the Miller Johnson employee benefits attorneys. Register Now. %%EOF endobj Blue Cross Complete of Michigan may be referred to in this .. Please see Bulletin 2020-01-INS for more information. Vpj~ka[B/-lA}HjBk u,mT^[l+>0~]H(.INSvM]ScLv[ZK). hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X State and Federal Privacy laws prohibit unauthorized access to Member's private information. There are several ways you can request a QHC letter. endobj DIFS Prohibition Orders for Consumer Finance and Credit Union. The D. Dan and Betty Kahn Health Care Pavilion is a 12-story hospital that will house 264 private rooms capable of converting to intensive care; a state-of-the-art neurosciences center; and high-level, specialty care services for cardiovascular and thoracic patients, along with advanced imaging. You must have qualified health coverage (QHC) that is not Medicare; AND. $250,000 per person per accident with exclusions. 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. 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. You can call the number on the back of your member ID card. 4 0 obj 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. 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. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices 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. The Michigan law (Mich. Comp. You can opt out of, or cut your level of medical benefits, under the auto plan. 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. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. 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. 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. There are several ways you can request a QHC letter. Get access to your member portal. . 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. Physician Qualification Form (PDF) Healthy Blue Achieve Form 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. Need to talk with DIFS? The changes could affect employers health plan costs for Michigan residents. A list of reports produced by our Department. You can call the number on the back of your member ID card. To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. Auto insurance agencies require a letter confirming your QHC. 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). 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. To request your QHC confirmation letter: Log in to your member account. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . Registration is easy! Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. $500,000 per person per accident. 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. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. Standard 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. To get your financial incentive, you'll need to fill it out with your doctor. All rights reserved. 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. As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. The claim behind the new auto law was that it would save drivers money on their auto insurance. Where does my client go to get a Qualified Health . Follow the instructions on the page to have your letter created. Individuals attempting unauthorized access will be prosecuted. (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 . Reform now allows you to select the level of PIP you want. Has an annual deductible of $6,000.00 or less per covered individual. For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. 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. "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. You can log in to your online member account to see if you have a QHC letter to download. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. We take pride in the vastly diverse cultures, backgrounds, interests, and expertise of the people who work here. Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. %PDF-1.6 % (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. 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. Your doctor will submit the form by following the instructions on the back. qualified health coverage. 2 0 obj 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 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. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. 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. 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. (MCL 500.2111f(2)(a)), The opt-out for drivers on Medicare is expected to result in no premium charge for coverage for No-Fault PIP medical benefits. 100 0 obj <>stream Letters can only be produced based on enrollment as of the current date. 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 Video could not be loaded because the privacy settings are disabled. I recommended him to all my friends and neighbors." 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. 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. Those children who lose coverage automatically will be referred to Florida KidCare, a state-sponsored health insurance program with low monthly premiums. 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. 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. If your auto insurance carrier requests or requires confirmation of your university health plan meeting the requirements to be considered qualified, please provide them with this letter: 2022 version and 2023 version. Learn more about U-Ms health plans and PIP. $250,000 per person per accident. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. This Video is unable to play due to Privacy Settings. However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. Health insurers and self-insured group health plan sponsors should be prepared to provide documentation to Michigan drivers (and any family members) indicating whether the health plan is QHC and, if so, confirming their coverage under the health plan. If you are unable to access Wolverine Access to obtain yourHealth Care Plan Verification Letter please emailsharedservices@umich.eduwith your request. State-chartered Bank and State-chartered Savings Bank forms. 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). Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. Loss of Qualified Health Coverage During No-Fault Policy Term. Your doctor will submit the form by following the instructions on the back. Use of a computer or larger sized tablet is recommended. The new Michigan no-fault auto insurance law means that residents are no longer required to buy unlimited personal injury protection, or PIP, with their auto insurance. Get access to your member portal. They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . 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 you wish to proceed? This is not intended to substitute for the advice of an attorney. Individuals attempting unauthorized access will be prosecuted. Find the forms and documents you need Medical, dental & vision claim forms Pharmacy mail-order & claims Not Registered? <>/Metadata 111 0 R/ViewerPreferences 112 0 R>> (MCL 500.3109a(2)(a)), The $50,000 coverage level is expected to provide average (not individual) savings of 45%. 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. The law also allows a car owner to select a $250,000 PIP medical limit, with an exclusion from PIP medical coverage for the applicant and any family members with QHC. ., 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?. If you are interested in a rewarding position helping Michiganders apply today! Are you looking for the form that coordinates your auto and medical insurance after an accident? We provide health insurance in Michigan. Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. or . % Create your account today for an optimal, personalized experience. Two letters confirming you have MESSA coverage that are often requested by your auto insurance carrier can be found in your MyMESSA member account. 0 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 . A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. Qualified health coverage means either coverage under both Medicare Parts A and B, or health and accident coverage that does not exclude or limit coverage for injuries related to auto accidents and has an annual individual deductible of $6,000 or less. Michigan.gov. She has practiced law in Michigan since 2002 and is a member in our Detroit office. 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. 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. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. Blue Care Network Member Reimbursement Form DIFS confirmed this interpretation of the bulletin in an informal conversation with us. Auto , Health (4 days ago) WebThe 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 , Health (9 days ago) WebA 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 , Health (Just Now) WebIf you choose the Opt-Out PIP option, you MUST obtain a letter from your medical insurance carrier that includes the following: The term Qualified Health Plan. Identify by full name all plan enrollees in the , Health (4 days ago) WebNotice of qualified health coverage for auto personal injury protection (PIP) benefits: Changes to Michigans no-fault auto insurance law that took effect in 2020 allow Michigan residents to customize the , Health (1 days ago) WebAuto insurance agencies require a letter confirming your QHC. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. 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. Were happy to help. hb``e``h^ Please see Bulletin 2020-01-INS for more information. 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. Category: Health Detail Health. {f/3mq0NAe7m`K3 c You can find what youll need on oursubrogation page. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. Not Registered? 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. (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. 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 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. No-fault auto insurance carriers or their agents are required to collect documentation of QHC at the initial issuance of an individuals no-fault auto insurance policy and at every renewal when the individual is relying on QHC to opt-out of PIP coverage for the individual and the individuals spouse and resident relatives. 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) . PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. Create an account now. qualified health coverage, you must notify your insurer within 30 days of loss of coverage. 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. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. 2023 The Regents of the University of Michigan, Learn more about U-Ms health plans and PIP, The Regents of the University of Michigan. , 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. Licensing - Consumer Finance and Mortgage. . Drivers could attempt to save money by opting for lower PIP coverage levels. Michigan Assigned Claims Plan . What information must be included in this letter? Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. Some of the information on this site may be deemed attorney advertising in some states. Your doctor will submit the form by following the instructions on the back. Additionally, an individual may opt-out of PIP coverage for the individuals spouse and all relatives that reside in the same household if they also have QHC (or coverage under another no-fault auto policy with at least $250,000 of PIP coverage). Unlimited coverage, the default option. 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. Full name(s) and date(s) of birth of all individuals covered by policy: Name: ________________________________________ 2.26 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage. 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.