Introduction: Health insurance situation in Michigan does not significantly differ from other states of United States. According to a survey conducted by Center for Disease Control, between 2001 and 2003, 11% of the total Michigan population was uninsured for Michigan health insurance for each year.
In this article, we have talked about some vital rules and regulations of Michigan health insurance. The article also contains a comprehensive list of major Michigan health insurance companies as well as a brief and useful discussion on Michigan state health insurance alternative programs. Hopefully, this article would help Michigan dwellers knowing current health insurance situation of their state.
Some Important Regulations for Michigan Health Insurance
The state government has introduced some rules and regulations to control the overall Michigan health insurance situation and to monitor the activities of Michigan health insurance companies. The health insurance companies should strictly abide by the state laws. The regulations are as follows:
- Every Michigan medical insurance plan should have a guaranteed provision for renewal. This guaranteed renewability provision lets an individual renew his or her existing Michigan health insurance plan. However, the individual should make sure that he or she has disbursed all the premiums, on time and provided no false information during the course of existing Michigan health insurance plan.
- As per Michigan state law, all Michigan residents have right to buy an individual Michigan health insurance plan.
- BCBSM or Blue Cross Blue Shield of Michigan offers individual Michigan health insurance plans to any of the Michigan residents at any point of time.
- HMOs or Health Maintenance Organizations should have an annual open enrollment period of 30days.
- Some of the Michigan medical insurance companies inflict a waiting period for a pre-existing medical condition.
- A pre-existing medical condition may be defined as an illness for which an individual has been diagnosed or treated previously; within 6 months before commencement of new Michigan health insurance plan.
- Michigan health insurance companies have right to decide the duration of waiting period for a pre-existing medical condition.
- Sometimes, an existing Michigan medical insurance policy can be credited to new Michigan medical insurance policy, for pre-existing medical condition waiting period; provided there was no breakage in insurance coverage.
- In Michigan, self-employed medical insurance plans are generally sold as small-group Michigan medical insurance plans; provided the self-employed individual is the only employee of that particular employer.
- All Michigan health insurance companies, other than Health Maintenance Organizations (HMOs) and Blue Cross Blue Shield of Michigan (BCBSM) can refuse an application on the basis of health condition of the applicant.
- All Michigan health insurance companies can hike the rate of premiums, indefinitely, depending on health condition, gender and age of the individual; only except Blue Cross Blue Shield of Michigan (BCBSM).
- Michigan health insurance companies that offer dependant coverage should cover newborns under his parent's personal medical insurance policy, for at least 31 days from the day of birth. However, the policy must be modified after that period.
- Handicapped dependants have right to enjoy insurance coverage under their parents' individual Michigan medical insurance plans, even if they exceed the decided age limit.
Michigan Health Insurance Alternative Options
There are some state-aided health insurance alternative programs available in the state of Michigan. Michigan individuals, who are otherwise considered as “uninsurable” or unable to afford individual Michigan health insurance, qualify for these state-aided health insurance alternative programs. The programs are discussed below:
- Michigan Medicaid: This is a state health insurance alternative program that is available to the individuals who meet all the eligibility as well as income-qualifying criteria.
- MIChild: This is Michigan State Children's Health Program. This is especially designed to provide Michigan health insurance to the children below and up to the age of 19. Children, from families that are not eligible for Medicaid or otherwise can't afford Michigan medical insurance, are only eligible to take advantage of this program.
Michigan Health Insurance Companies
According to the Michigan Insurance Services, the top Michigan Health Insurance Health Maintenance Organizations that offer open enrollment periods are as follows:
- Blue Care Network of Michigan
- Aetna Health, Inc.
- Care Choices HMO
- Cape Health Plan, Inc.
- Fidelis SecureCare of Michigan, Inc
- Community Choice MI
- Great Lakes Health Plan, Inc.
- Grand Valley Health Plan, Inc.
- HealthPlus of MI, Inc.
- Health Alliance Plan of MI
- Health Plan of MI, Inc.
- HealthPlus Partners, Inc.
- Midwest Health Plan, Inc.
- M-Care, Inc.
- Molina Healthcare of Michigan, Inc
- McLaren Health Plan, Inc.
- Omnicare Health Plan
- Physicians Health Plan of South Michigan
- Paramount Care of Michigan, Inc.
- Physicians Health Plan of Mid-Michigan
- Physicians Health Plan of Mid-Michigan FamilyCare
- Priority Health Government Programs, Inc.
- Physicians Health plan of Southwest Michigan, Inc.
- Priority Health
- Total Health Care USA
- Pro Care Health Plan, Inc.
- Upper Peninsula Health Plan Inc.
- Total Health Care, Inc.
Michigan Office of Financial and Insurance Services
For more information on Michigan health insurance, you can contact at the following address:
Michigan Office of Financial and Insurance Services
P O Box 30220
Lansing, Michigan 48909
Telephone No: (877)-999-6442 or (517)-373-0220