Essential Michigan Health Insurance Questions and Answers

Written By: Mike Novelli on December 22, 2009 2 Comments

Selecting Michigan health insurance calls for a basic understanding of the legislative guidelines, preexisting medical guidelines, as well as any underwriting stipulations. Review these questions and answers about health insurance coverage.

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.

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.

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.

At MichiganHealthandLife.com, licensed insurance agent, Michael Novelli provides several various 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.