In other words, if a driver or a family member does not have health insurance that qualifies, then a driver will be locked out of any savings that the politicians promised would be available to drivers under our new auto law. Where do I get my letter? Do I have to keep PIP with Michigan's no fault law? | Goodman Acker Your health plan, such as Medicare, only pays after your car insurer. 2020: Average rate decrease of 2.5%. No attorney-client relationship is formed nor should any such relationship be PDF State of Michigan Department of Insurance and Financial Services Consumers Mutual enrolled just 29 percent of their projected membership in 2014, and had net losses of $16 million during the first year of operations. Rick Snyder, a Republican, supported a state-run exchange for Michigan. You may have read or heard lately about auto insurance reform and health coverage in Michigan. 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. Individuals attempting unauthorized access will be prosecuted. The total opt-out of No-Fault PIP medical benefits for a driver who has Medicare requires that his or her spouse or family member that lives with the driver either have qualified health coverage that is required under the new Michigan No-Fault insurance law (i.e., insurance for accident-related medical care through a private plan or through Medicare) or have his or her own No-Fault auto insurance policy. Not Registered? %PDF-1.7 From Detroit to Lansing, Grand Rapids to Ann Arbor, explore theseMichigan health insurance options and more that may be available now. And, like a lot of Michigan residents, you might have some questions about the new law and your HAP health coverage. Your doctor will submit the form by following the instructions on the back. You can call the number on the back of your member ID card. This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. But Priority Health, which is a separate entity, has continued to offer individual and small group plans, on and off the exchange. Bipartisan legislation (HB6112) was introduced in 2022 that would direct the state to conduct a study on the impacts of switching to a fully state-run exchange, and potentially make that move at some point in the future. healthinsurance.org. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Some of the information on this site may be deemed attorney advertising in some states. Health Alliance Plan (HAP) announced in September 2017 that they would not offer plans in the Michigan exchange for 2018, although their off-exchange plans continued to be available. But average benchmark premiums in Michigan dropped by 6% for 2020, and premium subsidies are based on benchmark premiums. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 11 0 R 29 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> PIP Coverage in Michigan: How Much Do I Need? average rate increases nationwide for 2016, able to buy off-exchange silver plans that didnt have the added cost of CSR built into their premiums, average rate increase for 2019 was about 1.7%. Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc. 60 0 obj <> endobj Get access to your member portal. . The Michigan law (Mich. Comp. By responding to this offer, you agree that a representative may contact you. From late 2013 until the spring of 2022, total enrollment in Medicaid and CHIP in Michigan grew by 52% with enrollment up by nearly a million people. Some plans may require copayments, deductibles and/or coinsurance for these benefits. No-fault auto insurance changes in Michigan | bcbsm.com Medicare in Michigan Michigan has long protected access to Medigap plans for Medicare beneficiaries under age 65 Qualified Health Coverage The coverage provided to you and eligible individuals by _____ is "Qualified Health Coverage" as defined in MCL 500.3107d(7)(b)(i) for purposes of the Michigan Auto No-Fault Law. 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. 12.6 percent of the risk corridor payments that were owed to carriers, dropped their individual PPO plans in Michigan at the end of 2016, uncertainty caused by the Trump Administration and GOP-led Congress. The enrollment growth was largely driven by Medicaid expansion and the COVID pandemic (including the Families First Coronavirus Response Act, which has paused Medicaid eligibility redeterminations throughout the COVID public health emergency). To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. I recommended him to all my friends and neighbors." HAPs exit announcement noted that 9,100 members would have to find new plans. You may need to show it to your auto insurance agent as proof you have qualified health coverage through HAP. How are Michigan exchange premiums changing for 2023? Three of the available options require that drivers and/or any spouse and resident relatives have . Would love your thoughts, please comment. 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. PDF How we coordinate health coverage with your car or motorcycle - BCBSM Under these limits, this amount is the most a driver's auto insurance company will pay per person per accident for an injured person's expenses under PIP medical coverage. Website: www.michigan.gov/autoinsurance Phone: 1-833-ASK-DIFS (275-3437) Email: [email protected] Was this content helpful? A QHP is a health insurance plan that meets the requirements established by the ACA. Health insurance for individuals who are65 or older, or those under 65 who may qualify because of a disability or another special situation. What is a qualified health plan? Call 1-800-273-8095 / TTY 711to talk to a licensed insurance agent. Product design and availability varies by state. Drivers may need qualified health coverage (QHC) in order to save money on their auto insurance premiums under the Michigan No-Fault insurance law. 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). Include yourself, your spouse, and children claimed as dependents on your taxes. 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. endobj Learn about adult and pediatric dental insurance options in Michigan, including stand-alone dental and coverage through Michigan's marketplace. Outside of open enrollment, a qualifying event is necessary to enroll or make changes to your coverage. 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. Enrollments completed by December 15 will have coverage effective January 1, while enrollments completed between December 16 and January 15 will have coverage effective February 1. Health ProtectorGuard fixed indemnity insurance,5underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure. Physician Qualification Form (PDF) Healthy Blue Achieve Form {f/3mq0NAe7m`K3 c <>/Metadata 83 0 R/ViewerPreferences 84 0 R>> A trusted independent health insurance guide since 1994. To ensure your health plan meets the requirements of the new law it must not exclude or limit coverage for car accident-related medical care. Medicaid - $50,000. Not Registered? qualified health coverage. 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. 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 states auto insurance reform law that took effect July 1. UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare Community Plan, Inc. As part of theAmerican Rescue Plan Act of 2021and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower or in some cases $01,2,3 monthly premiums for ACA Marketplace health coverage. hbbd```b``"Iu"g=`5`8z0yD2H/`st@_ `4f`4F0 %X The catch, however, is that many of these medical services that are not covered or that are drastically limited with health insurance are still considered vital to a car accident injury victims care and recovery. Register Now. In 2017, Humanas coverage area included most of southeast Michigan, as well as Kalamazoo County and Kent County. Between the two of them, they have about 5,000 enrollees (the total individual market in Michigan has about 360,000 enrollees, so the ten exchange insurers have virtually all of the market share, although some of their enrollees do have off-exchange coverage). Michigan auto insurers are encouraged to collect documentation of QHC or Medicaid coverage from the auto insurance applicant. Those with incomes between 100% and 150% of the federal poverty level (FPL) may qualify for a zero-dollar premium silver plan (after tax credits). 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. 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: o Does not exclude coverage for motor vehicle accidents and . 1 0 obj Earlier this year, Michigan DIFS regulators noted in an email to Mercer that a health plan with even one annual deductible such as an out-of-network deductible exceeding $6,000 per individual wouldnt qualify as QHC. What is a qualified health plan? | healthinsurance.org stream Looking for health care plans on the Affordable Care Act (ACA) Marketplace? They may also request a coordination of benefits letter that shows how your health insurance and auto insurance work together to pay auto accident claims. You can find what youll need on oursubrogation page. Plan specifics and benefits vary by coverage area and by plan category. (MCL 500.3109a(2)(a)), The $50,000 coverage level is expected to provide average (not individual) savings of 45%. Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices It has a deductible of $6,000 or less per person. 2016: Average increase of 6.5%. Coordinating benefits may not help if the employer health plan otherwise meets the QHC definition. To select this option . According to Crains Detroit Business, only a little more than a fifth of Consumers Mutuals members purchased their plans in the exchange in 2015, and at that point, there was a possibility that the remaining 80 percent of theenrollees might be able to keep their plans, with the CO-OP continuingto offer plans outside the exchange. 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. What is a qualified health plan (QHP)? - PeopleKeep Claims are processed according to your benefits and the laws in effect in the state where you reside. Very professional and prompt! Michigan Auto Insurance Reform | State Farm Due to the uncertainty over whether cost-sharing reductions (CSR) would be funded in 2018, the Michigan Department of Insurance required insurers to file two sets of rates for 2018 one that assumed that cost-sharing reductions would be funded, and one that assumed they wouldnt. Insurers have differing coverage areas and plan availability, which means rates in one area can change more or less than rates in another area of the same state. What type of health insurance marketplace does Michigan utilize? 2021: Average rate increase of 1.1%. They may also qualify for a zero-dollar premium bronze plan (after tax credits). Eff. The following insurers offer plans in the Michigan exchange for 2023, with plan availability varying from one location to another: Time/Assurant and Consumer Mutual Insurance of Michigan both left the Michigan exchange at the end of 2015. The number of exchange insurers had dropped to eight by 2018, but grew to nine in 2019 when Oscar joined the exchange in Michigan. endstream endobj startxref 2007-2022 Michigan Auto Law. Answer a few questions to see which insurance options may be available for you. If you have questions about enrollment, you can learn more in our comprehensive guide to open enrollment and our comprehensive guide to special enrollment periods. Which health insurance carriers have offered coverage in the Michigan marketplace in the past? Youll have the option of choosing from different levels of personal injury protection coverage. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable). The Handbook and COC are available on this website. Drivers could attempt to save money by opting for lower PIP coverage levels. Note: The no-fault auto insurance law is not a health insurance law, therefore, you should discuss PIP coverage or other auto coverage with your auto insurer or agent. 0 Premium subsidies vary by address and subject to eligibility. Administrative Services provided by United HealthCare Services, Inc. or their affiliates. Create your account today for an optimal, personalized experience. A qualified health plan (QHP) is a health insurance plan that meets requirements established by Obamacare, which is also known as the Affordable Care Act (ACA). You can log in to your online member account to see if you have a QHC letter to download. For 2023, the states insurers (including two that only offer coverage outside the exchange) have implemented an overall average rate increase of 5.5% (slightly lower than insurers initially proposed), with the following rate changes for each insurer: Alliance Health & Life, and Health Alliance Plan, both of which only offer coverage outside the exchange in Michigan, have average rate increases of 10.3% and 2%, respectively. It would do this by shifting the responsibility for paying for car accident-related medical care to drivers health insurance companies. Health Alliance also dropped their PPOs, continued to offer more than 45 Personal Alliance HMO plans, both on and off-exchange (the PPOs were offered via Alliance Health and Life Insurance Company, which is a subsidiary of Health Alliance; Alliance Health and Life Insurance Company plans are no longer offered on the Michigan exchange). (1) For an insurance policy that provides the security required under section 3101 (1) and is issued or renewed . Over 900k enrolled in Healthy Michigan Plan; Work requirement was overturned by a judge in March 2020. In most of Michigan, at least four insurers are offering plans in the exchange for 2023, although there are just two participating insurers in upper Michigan. The Handbook and COC includes but are not limited to the following information: Andary v. USAA Michigan Court of Appeals ruling: No-Fault changes do not apply retroactively (Updated with New DIFS Bulletin issued on 10/5/2022), Car Insurance For Teenagers: Michigan Laws For Minors Explained, Car Insurance Advice For Young Drivers: Heres What To Know, Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. You're covered by a health plan that doesn't cover car-related injuries. So there are a total of ten insurers offering exchange plans in Michigan for 2022. But, only if all members of your household have other qualified health coverage or their own auto plan with PIP. Employers May Need to Provide Employees with Documentation of Qualified 01:38 For instance, you may qualify for this option if you have qualified health insurance. That bill had not advanced as of July 2022. %PDF-1.6 % Their rate filing from earlier in the summer (when they were still planning to participate in the exchange) said that it would impact 17,000 members, but those with off-exchange coverage were able to keep their plans for 2018 if they wished to do so (HAP had 650,000 members in total in 2017, virtually all of whom had Medicare, Medicaid, or employer-sponsored coverage and were therefore not affected at all by the insurers decision to exit the exchange). 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. The open enrollment period for individual/family coverage runs from November 1, to January 15 in Michigan. Humanadropped their individual PPO plans in Michigan at the end of 2016, but that only impacted the off-exchange market, as Humanas on-exchange plans were already HMOs. Since 1973, all Michigan auto . All rights reserved. How much could you save on 2023 coverage? 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. This coverage is only available if . Please provide your zip code to see plans in your area. The overall average rate increase in Michigans individual market was 16.7% for 2017 (including carriers that only offer off-exchange plans). 4 0 obj The law defines QHC as coverage under Medicare or an accident or health policy with a deductible of $6,000 or less per individual and no coverage limits for injuries caused by car accidents. * This tool provides ACA premium subsidy estimates based on your household income. 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. In 2019, the State of Michigan passed legislation that changes the requirement to have unlimited, lifetime personal injury protection (PIP) benefits for no-fault auto insurance plans. So even if your insurer doesnt change its rates at all for the coming year, your price will still go up just because youre a year older (if you receive subsidies, the subsidies will grow to keep pace with the age-related premium increases; subsidies for older enrollees are larger than subsidies for younger enrollees). How many people are enrolled through Michigan's health insurance exchange? Health Insurance Coverage - Michigan State University Starting July 1, you can choose your level of PIP. In order for the policyholder to qualify, they must be enrolled in Medicaid, and any resident relatives or spouse must also have Medicaid, PIP coverage through a different policy, or any other qualified health coverage. Accidental injuries and critical illness happen when you least expect them. Blue Cross Blue Shield of Michigan was the only carrier still offering PPO plans through the Michigan exchange by 2017. Your health insurer should provide you with a document that tells you if your policy is con This is not intended to substitute for the advice of an attorney. Two new insurers joined the exchange for 2022: US Health and Life, and UnitedHealthcare. A new Michigan auto insurance law changes the way Personal Injury Protection (PIP) coverage works, providing more options when selecting coverage. Plan: Blue Care Network (BCN) Premium Cost: Summer 5/16/20 - 8/15/20 $474.00 (approx. 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 See links to resources for the Michigan health insurance marketplace. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Qualified Health Coverage (QHC) & Michigan No-Fault Insurance - BenePro Please review plan details to learn more. You can even opt out of PIP entirely as long as you have qualified health coverage (QHC). Aetna Better Health of Michigan regularly updates its Member Handbook and Certificate of Coverage (COC). By November 4, the announcement on Consumers Mutuals website indicated that all enrollees including those who had purchased their plans outside the exchange would need to seek new coverage for 2016, and that the CO-OP would wind down its operations by the end of 2015. PIP is the primary coverage for medical claims only when coordinating with plans that pay secondary after auto insurance. endobj For 2023 coverage, there are ten insurers that offer exchange plans in Michigan. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. Heres where promises of lower health insurance premiums smack into the new reality of increased health insurance costs. Accident insurance5andcritical illness insurance5can help by paying cash benefits for covered injuries or illnesses. What you choose is important because PIP covers more than medical expenses it includes things like attendant care, housing modifications and lost wages due to an accident. State and Federal Privacy laws prohibit unauthorized access to Member's private information. To be eligible to completely opt out of PIP coverage, the Michigan Department of Insurance and Financial Services states that the "qualified health coverage" other people in a household would need to have is defined as: Both Medicare Part A and Part B, or 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. Michigan Auto Insurance Reform -- What HAP Members Should Know Information will be needed from both you and your doctor. We provide health insurance in Michigan. 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 . When average benchmark premiums decline more sharply than overall average premiums, the result is higher after-subsidy premiums for some enrollees. A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1994. In August 2015, the Michigan Department of Insurance and Financial Services (DIFS) announced that the weighted average rate increase in the individual market for 2016 would be 6.5%, although the average rates increase dropped lower than that once Consumers Mutual exited the market. endobj The changes could affect employers health plan costs for Michigan residents. Read frequently asked questions about marketplace enrollment, rates and carriers in Michigan, Background on Michigans exchange efforts. However, U-M health plans do not cover certain services, such as attendant care, housing and vehicle modifications, as well as lost wages. Proof of qualified health coverage is required for each household member that is excluded. This policy is subject to various exclusions and limitations. Call HAP Customer Service at the number on your ID card. For 2023, state regulators approved premiums that amount to an overall average rate increase of 5.5% for Michigans individual market insurers.