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. Private employers sponsoring self-funded group health plans are not required to comply with the bulletins obligations because of ERISA preemption. You can call the number on the back of your member ID card. If you have any questions, please contact one of the Miller Johnson employee benefits attorneys. Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed 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. There are several ways you can request a QHC letter. 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. 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. or . xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!w'?u3a.y%}oN|_=/s/457LugLYFGT3G.9e-\HE+mm>}]p7e ~u/{#d\IyN>4}~lksnMfySJ}nB#?9TJgHGzLkCYYE=bTvCybKgk7?=kswC{=m;,{yj):q&kFv,70:VSG=9K~i)yYZmj5Vc+\X\@a.%uS@ nQ$!N'8|e[GQ&^h5y$=Y7Q/_kBPIEg89\]%[`^FMBcII"A(@!,$5,_2X.H4Sm_.a,ZiISP?)$,bULZPA*t KP{[_:S2iB5Ld!Tq@sNM}8KT0]7`{ELV ~I6ZI_KeE+r"UkYlr;=^EdJzxpdnh>MZAyEfp1d>>/ioJoR?-Kwvn+co,E{bb+H#\W\^`J|wS$:x-{V,}S$T6UCuqMR6dn19[ k[mFwf6\D)%WQIcr6jF[R_X,iHX6 V"0W6m(:FRMyS&8HcD]n}(fbj19e oOuY`AGbbL_[,}M h{D'J}a_#r`}$"NirL1Fm'$u0eb zNLIj9R(g$e}5s;szg-3:-FAa(i]U'r6NDX O }j/&8]ZX5>qesS>SlH K5h,[Bx/dj>uiVmj Hundreds of thousands of Florida children could lose health coverage 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. Health insurance is perceived as less costly than No-Fault. 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. Michigan No-Fault Insurance Reform Goes into Effect July 2020 My auto insurance company has requested a letter stating I have qualified health coverage. However, medical expenses that result from motor vehicle accidents occurring after the 30-day period will not be covered. 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. (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. A licensed attorney responsible for the content of this site can be reached at (248) 353-7575. You can call the number on the back of your member ID card. This letter applies to plan year 01/01/2022 - 12/31/2022 To: . The Department of Insurance and Financial Services (DIFS) can also help answer your questions. You can opt out of, or cut your level of medical benefits, under the auto plan. Information will be needed from both you and your doctor. If you have questions about your coverage, call the Customer Service number on the back of your BCN member ID card (TTY: 711). To request your QHC confirmation letter: Log in to your member account. PDF Michigan Department of Insurance and Financial Services Quick Facts Blue Care Network Member Reimbursement Form If you have any questions, please contact us. 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. The new Michigan No-Fault insurance law defines qualified health coverage in two ways: Check out our video to learn more about what qualified health coverage is under Michigans No-Fault auto insurance law: Yes. I recommended him to all my friends and neighbors." 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. This expands the number of plans that could qualify as QHC. Your auto insurer can help if you have questions about how the changes to the no-fault auto law affect your auto coverage. 2007-2023 Michigan Auto Law. Health Insurance Forms for Individuals & Families - Aetna