Blue Care Network Member Reimbursement Form 2.26 Blue Cross Complete of Michigan is the name of the health care plan described in this Certificate of Coverage. up to $2,000,000 if they have no other . We provide health insurance in Michigan. 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. 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 Physician Qualification Form (PDF) Healthy Blue Achieve Form You can call the number on the back of your member ID card. Licensing - Consumer Finance and Mortgage. qualified health 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. 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 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. (MCL 500.3107d(7)(b)(ii)). . Health insurance is perceived as less costly than No-Fault. 4 0 obj Create an account now. % 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. How Much Car Insurance Do I Need in Michigan? 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. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. 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. DIFS Prohibition Orders for Consumer Finance and Credit Union. 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. (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)). Registration is easy! YLB i5xueW|. Where do I get my letter? 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. 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. 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. Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. She has practiced law in Michigan since 2002 and is a member in our Detroit office. All rights reserved. Use of a computer or larger sized tablet is recommended. All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. I recommended him to all my friends and neighbors." This is not intended to substitute for the advice of an attorney. 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. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. Get access to your member portal. 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 $250,000 per person per accident. . 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). Employees can now get a Health Care Plan Verification letter through Wolverine Accessby selecting Employee Self-Service > Benefits > Health Care Plan Verification. Please do not give us any information you regard as confidential until a formal attorney-client relationship has been established. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. Any information you give to us before establishing an attorney-client relationship will not be regarded as privileged or confidential. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. Within 30 days of losing . The Video could not be loaded because the privacy settings are disabled. Michigan Assigned Claims Plan . Find the forms and documents you need Medical, dental & vision claim forms Pharmacy mail-order & claims Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. If you have any questions, please contact us. - Mira. endobj Starting July 1, you can choose your level of PIP. This notification confirms that the following Michigan State University health insurance plans meet the requirements to be considered qualified health coverage: Blue Care Network MI Community Blue Community Blue CDHP Humana Group Medicare Advantage PPO Humana MSU Non-Medicare PPO Michigan State University 1407 S. Harrison, Suite 110 However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. 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. 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 have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices A list of reports produced by our Department. My auto insurance company has requested a letter stating I have qualified health coverage. Health. The level of PIP coverage you choose will impact the cost of your auto insurance coverage. Register Now. What information must be included in this letter? %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. 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. Click My Plan and Spending. 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. 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. 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. Drivers could attempt to save money by opting for lower PIP coverage levels. 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. Claims are processed according to your benefits and the laws in effect in the state where you reside. No attorney-client relationship is formed nor should any such relationship be implied. This right type of health insurance is what the No-Fault law refers to as qualified health coverage. Unfortunately, suppose the above three items are not included in this letter from your medical insurance carrier. Were happy to help. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . 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. or . The big selling point for Michigan new auto No-Fault law was that it would save drivers money. 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. 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. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . 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. You can log in to your online member account to see if you have a QHC letter to download. Your doctor will submit the form by following the instructions on the back. In 2019, the State of Michigan passed legislationthat changes the requirement to have unlimited, lifetime personal injury protection (PIP) benefits for no-fault auto insurance plans. If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. <> 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. Michigan.gov. New PIP Insurance Options in Michigan. 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. You can opt out of, or cut your level of medical benefits, under the auto plan. This fact sheet provides general information about health, car or motorcycle insurance. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. 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. Follow the instructions on the page to have your letter created. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. Get access to your member portal. qualified health coverage, if an excluded person is injured in an auto accident, coverage will be provided by the . You can also connect with us via live chat; to get started, go to messa.org/contact. Your doctor will submit the form by following the instructions on the back. In Insurance Bulletin 2020-01-INS, entitled Qualified Health Coverage Notices and issued on January 14, 2020, Michigans Insurance Commissioner stated that, because individuals who have (QHC) are allowed to make certain choices regarding their no-fault coverage, [h]ealth insurers and health plans should develop a document that indicates whether a persons coverage is qualified for purposes of no-fault insurance . $500,000 per person per accident. 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. Register Now. 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. Individuals attempting unauthorized access will be prosecuted. They may also contact the HR Solutions Center at SolutionsCenter@hr.msu.edu. Do you wish to proceed? As a no-fault system, Michigan drivers were previously required to purchase unlimited PIP through the state. 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. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. There are several ways you can request a QHC letter. 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. 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. 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 Michigan law (Mich. Comp. 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. The law is subject to frequent changes and varies from one jurisdiction to another. Insureds will have to contact their health insurer or health plan to obtain this documentation. To request your QHC confirmation letter: Log in to your member account.