Basic Michigan Health Insurance Questions and Answers
Jan 1st, 2010 Posted in insurance | no comment »When 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.
Are there any underwriting guidelines for Michigan health insurance? In the state of Michigan, insurance providers, not including health maintenance organizations (HMOs) and Blue Cross Blue Shield of Michigan, are authorized to medically underwrite services,
Are elimination riders legal during open-enrollment period? Although elimination riders are not permissible, Blue Cross Blue Shield of Michigan is required to guarantee coverage, which includes HIPAA (Health Insurance Portability and Accountability Act) eligible individuals, as well.
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.
In Michigan, what are the preexisting condition requirements? Michigan health insurance mandates a 6-month look-back, as well as an exclusionary period limit for preexisting medical conditions, applicable to HMOs and for Blue Cross Blue Shield of Michigan. Other Michigan health insurance carriers are required to adhere to a 6-month look-back and a 12-month exclusionary period limit for preexisting medical conditions on individual plans.
Is there an online source for consumers, who are in quest of health insurance quotes, to obtain hassle free medical coverage information? Any insurance representative, who charges consumers for Michigan health insurance quotes, is breaking the law.
However, the insurance representative of MichiganHealthandLife.com, Michael Novelli provides competitive, free medical coverage quotes.
To speak with a trusted agent in Michigan about Michigan health insurance, speak to Mike Novelli at 1-866-522-5953. Or you can obtain your own free quote by clicking on this link, Michigan health insurance quote.
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