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The Companies We Work With
Below is a list of some of the insurance carriers we work with at Michigan Health and Life. For more information, or if you do not see a company that you are looking for,
please contact us
Below is a list of some of the insurance carriers we work with at Michigan Health and Life. For more information, or if you do not see a company that you are looking for,
please contact us
Basic Michigan Health Insurance
Questions and Answers
by Mike Novelli December 11, 2009
by Mike Novelli December 11, 2009
For Michigan health insurance, the selection of medical coverage entails understanding various legal requirements, underwriting stipulations, as well as preexisting medical guidelines. Refer to the questions and answers to shop around for health insurance.
Are rate restrictions applicable? The only insurance provider, who must rate products for individual polices is Blue Cross Blue Shield of Michigan.
What are the underwriting guidelines for Michigan health insurance? In Michigan, all insurance agencies have the authority to medically underwrite services with the exceptions of Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs).
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 are the guidelines of Michigan's Patient Bill of Rights? Mandated on October 1, 1997, the Michigan Patient Bill of Rights warrants that patients have the right to medical information, as well as health coverage sooner for conditions, which were in existence prior to enrollment of the current Michigan health insurance. Self-funded health care plans are not applicable to the policy.
Are preexisting condition requirements applicable for obtaining coverage? There is a 6-month look-back coupled with an exclusionary period limit for preexisting medical conditions, which applies to both Blue Cross Blue Shield of Michigan and for HMOs. As for individual medical coverage, other Michigan Health insurance, providers must adhere to a 6-month look-back as well as a 12-month exclusionary period limitation on preexisting medical conditions.
Is there a source for the consumers in need of health insurance quotes to gather hassle free medical coverage information? Any insurance representative, charging for Michigan health insurance quotes is breaking the law.
Serving: IL, MI, OH, WI
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