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Basic Michigan Health Insurance Questions and Answers
December 23rd, 2009 by Mike NovelliWhen it comes to selecting medical coverage for Michigan health insurance, there are several laws, underwriting stipulations and preexisting guidelines to be aware of. Use the information, below to shop around for health insurance.
Are there any rate restrictions? Insurance carriers do not have any rate restrictions; however, Blue Cross Blue Shield of Michigan is required to community rate products for individual plans.
What are the underwriting stipulations for Michigan health insurance? In Michigan, all insurance agencies with the exception of Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs) have the autonomy to medically underwrite services.
During open enrollment, are elimination riders legitimate? Although Blue Cross Blue Shield of Michigan and HMOs are required to guarantee coverage during open enrollment (including HIPAA eligible), elimination riders are non-permissible.
What is Michigan’s Patient Bill of Rights? Effective as of October 1, 1997, the Michigan Patient Bill of Rights guarantees patient rights, regarding health coverage plan information, medical coverage sooner for preexisting conditions that were existent prior to enrollment of the current health coverage plan. However, the Michigan health insurance stipulation is not applicable to self-funded medical care policies.
Does Michigan have any preexisting condition requirements? Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs) have a 6-month look-back and an exclusionary period limit for preexisting medical conditions. As for individual policies from other Michigan health insurance plans, providers have to follow a 6-month look-back and a 12-month exclusionary period limit for preexisting medical conditions.
Where can individuals in need of health insurance obtain hassle free medical quotes? It is illegal for any insurance representative to charge for medical quotes.
For no obligation whatsoever, licensed insurance agent, Michael Novelli offers instant, free medical quotes at MichiganHealthandLife.com.
To speak with a trusted source in Michigan about Michigan health insurance, speak to Mike Novelli at 1-866-522-5953. Or you can get your own free quote by clicking on this link, Michigan health insurance quote.
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