Has an annual deductible of $6,000.00 or less per covered individual. 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. Michigan Qualified Health Care Letter Hundreds of thousands of Florida children could lose health coverage Were happy to help. Personal Injury Protection & Qualified Health Letters - Mason-McBride Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. U-M health plans are qualified health coverage as defined by the insurance code. 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. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X All rights reserved | Email: [emailprotected], Baptist health medical group endocrinology. PDF EMPLOYERS: HELP YOUR EMPLOYEES REALIZE SAVINGS! - Detroit However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. 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 . 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. Click My Plan and Spending. YLB i5xueW|. I also found very useful information about the new auto law. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. But now the new qualified health coverage requirement effectively undoes much of this. There are several ways you can request a QHC letter. Where does my client go to get a Qualified Health Coverage (QHC) letter? %PDF-1.7 You can also connect with us via live chat; to get started, go to messa.org/contact. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices If you are interested in a rewarding position helping Michiganders apply today! 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. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. 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. 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). Under the plan documents section, click Michigan Auto Reform to request a letter be mailed to the subscriber's address. 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). This fact sheet provides general information about health, car or motorcycle insurance. Unlimited coverage, the default option. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. To receive firm communications, please select from the list of topics, complete your contact information, and Sign Upbelow. (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 . If you don't see a QHC letter online or are unable to get one through calling the number on the back of your card, you can reach out to your employer to request the letter. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. 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. 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. You can log in to your online member account to see if you have a QHC letter to download. $250,000 per person per accident. 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. Need a Health Care Plan Verification Letter for Your Auto Insurance Health Benefit Plans | Oakland County, MI State-chartered Bank and State-chartered Savings Bank forms. This field is for validation purposes and should be left unchanged. Send us an email at DIFSInfo@michigan.gov, Department of Insurance and Financial Services, Additional Financial and Insurance Services Forms, https://dev.michigan.local/som/json?sc_device=json. There are several ways you can request a QHC letter. Your doctor will submit the form by following the instructions on the back. 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. 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. How our department monitors insurance market practices, Insurance Company Contract and Rate Filings. Auto insurance agencies require a letter confirming your QHC. Emily Palacios focuses her practice on transactional and litigation matters involving real estate, construction, land use, and public law and government affairs. Auto insurance reform | Priority Health The Michigan state legislature initiated auto insurance reform in 2019 to provide financial relief to Michigan drivers. We provide health insurance in Michigan. 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. 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. To request your QHC confirmation letter: Log in to your member account. Michigan.gov. Register Now. The state of Michigan currently requires individuals to purchase unlimited personal injury protection, or PIP, through their auto insurer. (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. (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.