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1 0 obj 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. Blue Cross Blue Shield of Michigan was the only carrier still offering PPO plans through the Michigan exchange by 2017. The new No-Fault law allows drivers to choose the $250,000 coverage level for No-Fault PIP medical benefits and coordinate his or her health insurance with No-Fault coverage, which results in a . 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. 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. Call 1-844-253-4054/ TTY 711 to talk to a representative. 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. All rights reserved. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. Heres a summary of individual market enrollment totals in Michigans exchange during open enrollment each year: Seven insurers currently offer dental plans through the Michigan marketplace. Coverage under Medicaid, however, is not considered qualified health coverage. Having QHC means either Medicare Parts A & B (this could also be a Medicare Advantage plan) or a health insurance policy that doesn't limit or exclude auto accident injuries and has a deductible of $6,000 or less. The two off-exchange-only insurers (Alliance Health and Life, and Health Alliance Plan) are continuing to offer off-exchange plans for 2022. <> HAPs exit announcement noted that 9,100 members would have to find new plans. These plans are certified by the Health Insurance Marketplace and provide minimum essential coverage (MEC). You can opt out of, or cut your level of medical benefits, under the auto plan. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. 2022: Average rate increase of 4.7%. Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. Are you looking for the form that coordinates your auto and medical insurance after an accident? 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.