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. (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. The big selling point for Michigan new auto No-Fault law was that it would save drivers money. Use our 2023 subsidy calculator to see if youre eligible for ACA premium subsidies and your potential savings if you qualify. For 2023, subsidies continue to be larger than they were prior to 2021, thanks to the American Rescue Plans subsidy enhancements, which were extended through 2o25 by the Inflation Reduction Act. If a policyholder qualifies, this allows them to purchase only $50,000 of PIP coverage. For 2022, Total Health Care has merged with Priority Health, but two new insurers are offering plans in the exchange: US Health and Life is new for 2022, and UnitedHealthcare has returned after a five-year hiatus. hb``e``h^ 3 0 obj Primary insured must be 18 years of age or older. Some benefits have waiting periods. 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 doctor will submit the form by following the instructions on the back. A temporary medical insurance plan likeshort term health insurance4underwritten by Golden Rule Insurance Company may provide: Questions about Short Term Medical insurance? Need a Health Care Plan Verification Letter for Your Auto Insurance If youre self-employed or without insurance from your employer in other words, youre looking for individual or family health insurance in Michigan you might be looking for Affordable Care Act insurance, what's often called Obamacare. 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). Member reference | Aetna Better Health of Michigan 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. (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. You can call the number on the back of your member ID card. 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).

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