Michigan Medicine improves the health of . As a result, employer group health plans should be prepared to provide employees with documentation about whether the plan is QHC to allow plan participants to opt-out of PIP coverage if the group health plan is QHC. 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). Create your account today for an optimal, personalized experience. Find the forms and documents you need Medical, dental & vision claim forms Pharmacy mail-order & claims Your doctor will submit the form by following the instructions on the back. 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. 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 . <> 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. Do you wish to proceed? The big selling point for Michigan new auto No-Fault law was that it would save drivers money. Qualified Health Coverage & Michigan No-Fault Insurance The Michigan law (Mich. Comp. There are several ways you can request a QHC letter. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. Letters for your auto insurance carrier - MESSA Health insurers and health plans should develop a document that indicates whether a persons coverage is QHC for purposes of auto no-fault insurance. Your doctor will submit the form by following the instructions on the back. Use of a computer or larger sized tablet is recommended. Health insurance is perceived as less costly than No-Fault. 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. . She has practiced law in Michigan since 2002 and is a member in our Detroit office. Hundreds of thousands of Florida children could lose health coverage Qualifying life event documents | bcbsm.com DIFS confirmed this interpretation of the bulletin in an informal conversation with us. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices PDF Certificate of Coverage PDF This letter applies to plan year 01/01/2022 - 12/31/2022 To: MSU (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. 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. Employers May Need to Provide Employees with Documentation of Qualified Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. 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. I recommended him to all my friends and neighbors." The changes could affect employers' health plan costs for Michigan residents. Under , Health (Just Now) WebA health statement provides proof of insurability and may be required under certain circumstances. An individual may opt-out of PIP coverage if the individual has QHC. 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. Follow the instructions on the page to have your letter created. 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. $500,000 per person per accident. 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. - Mira. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices 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. 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. What information must be included in this letter? Your doctor will submit the form by following the instructions on the back. 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. Michigan Qualified Health Care Letter %PDF-1.6 % Auto insurance agencies require a letter confirming your QHC. 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. Unlimited coverage, the default option. 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. Lateral Attorney, Judicial Clerk, and Summer Associates, Paralegal, Legal Administrative Assistants, and Support Staff. 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. 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. 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. Those children who lose coverage automatically will be referred to Florida KidCare, a state-sponsored health insurance program with low monthly premiums. If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. To select this option . You can call the number on the back of your member ID card. DIFS Prohibition Orders for Consumer Finance and Credit Union. 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. Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. 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. DIFS expects health plans to offer two separate letters to their consumers: A letter indicating whether the consumer's coverage is QHC. Information will be needed from both you and your doctor. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. Need to talk with DIFS? Blue Care Network Member Reimbursement Form Health Insurance Forms for Individuals & Families - Aetna hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X 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. Call us toll-free Monday through Friday 8 a.m. to 5 p.m. at877-999-6442. "lawfully present" and "lawfully residing" used for Medicaid and CHIP are currently set . No attorney-client relationship is formed nor should any such relationship be implied. Don't have a member account? Qualified health coverage letter sample, Health (9 days ago) WebThis sample notice can be used by health insurers or employers to provide confirmation of current QHC to consumers. If you are interested in a rewarding position helping Michiganders apply today! 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.