The level of PIP coverage you choose will impact the cost of your auto insurance coverage. "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. <> We provide health insurance in Michigan. Your qualified health coverage does not exclude or limit coverage for motor vehicle accidents and . To get your financial incentive, you'll need to fill it out with your doctor. You can log in to your online member account to see if you have a QHC letter to download. 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. (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. Very professional and prompt! These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. For Medicare Members: No-fault auto law changes | bcbsm.com 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. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. 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. Were happy to help. If you are interested in a rewarding position helping Michiganders apply today! (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 . Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. Those children who lose coverage automatically will be referred to Florida KidCare, a state-sponsored health insurance program with low monthly premiums. 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. Don't have a member account? Be sure to turn off pop-up blocker and private browsing prior to opening your Auto Health verification letter. Self-insured plan sponsors may need to adjust expected costs for Michigan residents. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. There are several ways you can request a QHC letter. 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. 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
