27 Dec 09 Michigan Health Insurance Coverage QA

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 stipulations for Michigan health insurance? In Michigan, all insurance agencies with the exception of Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs) have the autonomy 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.

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.

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.

Tags: health and fitness