For more information about Michigan auto insurance reform in general, go to michigan.gov/autoinsurance or talk to your insurance agent. 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). Loss of Qualified Health Coverage During No-Fault Policy Term. 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 the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. 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. <> We provide health insurance in Michigan. Some of the information on this site may be deemed attorney advertising in some states. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. Please see Bulletin 2020-01-INS for more information. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. 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. 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. or . Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. (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)). Physician Qualification Form (PDF) Healthy Blue Achieve Form Do you wish to proceed? - Mira. This fact sheet provides general information about health, car or motorcycle insurance. "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. 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. You can find what youll need on oursubrogation page. Qualified Health Coverage & Michigan No-Fault Insurance What information must be included in this letter? hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X To find forms customized for your benefits, log in to your member account. Federal Register :: Clarifying Eligibility for a Qualified Health Plan 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 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. Plan Documents and Forms | Help Center | bcbsm.com
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