Essential Michigan Health Insurance Questions and Answers PDF Print E-mail
Written by Mike Novelli   
Wednesday, 06 January 2010 15:25
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.
by MikeNovelli


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 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 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 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.

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.

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.

DISCLAIMER: This article is provided as information only and is not to be taken as financial advice.

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.