For the HSA Plan, your deductible and out-of-pocket maximum amounts for in-network services are the same. Those costs include increased copay and deductible amounts. For Medicare Members: No-fault auto law changes bcbsm.com Health (Just Now) WebThere are several ways you can request a QHC letter. Learnyour requirements, deadline dates and more about your coverage. You may enroll in an authorized HMO plan serving your residential area. 119 0 obj 0000007848 00000 n This tool provides side-by-side medical plan comparisons and personalized cost modeling. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. Or, call the number on the back of your member ID card. 0000017188 00000 n Please enable JavaScript in your browser for a better user experience. 0000045752 00000 n K4[WYV5pL@=>QBuD 0000033229 00000 n 0000013667 00000 n For auto insurance policies issued or renewed after July 1, 2020, Michigan's Automobile No-Fault Insurance Law will change. If you don't have a Provider Connection account, you will need to register before logging in. Before you select a medical plan, consider your total costs, including the costs to have and use the plan. Now let's look at what a single person with relatively few healthcare needs might experience. PIP pays for services that health insurance may or may not cover. With the total of all her family services and prescriptions, the HSA Plan costs $3,030 to use. 0000027625 00000 n $158 per month) Eligibility: All MSU students, Law students, Visiting scholars, and more, including spouse and children of a student enrolled in the plan. SM. Blue Cross Blue Shield of Michigan, in partnership with Lucet Its important to know that in order to opt-out of PIP coverage under the new Michigan law, you must have health insurance that is considered qualified health coverage. Please keep in mind that PIP coverage pays for some items that health insurance doesnt, such as attendant care, lost wages and vehicle or housing modifications. 0000023020 00000 n An HDHP offers a lower biweekly premium in exchange for higher deductibles and out-of-pocket limits. You're eligible for an HSA if you enroll in the State HDHP and have no other non-HDHP health care coverage, including coverage through your spouse or any other person, and you are not claimed as a dependent on another persons tax return. 0000016284 00000 n 0000006930 00000 n 0000026478 00000 n endstream endobj 141 0 obj <>/Metadata 11 0 R/Pages 138 0 R/StructTreeRoot 21 0 R/Type/Catalog/ViewerPreferences 160 0 R>> endobj 142 0 obj <>/MediaBox[0 0 612 792]/Parent 138 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 143 0 obj <>stream Identified standard preventive services are covered at 100%, but most other services have a 20% in-network coinsurance after meeting the deductible. 0000026320 00000 n The rule provides protection against balance or "surprise" billing under certain circumstances, and phases in new transparency requirements on most group health plans and health insurers. endstream endobj 14 0 obj <. These plans also allow you to set aside tax-free funds that you can use for qualified medical expenses. Qualified Transportation Fringe Benefits (QTFB). See below. 120 0 obj Questions About Your Benefits? 1996-2023 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. But, if you receive services from a provider not in the PPO network, you may be responsible for paying additional out-of-pocket costs. Follow the instructions on the page to have your letter created. In accordance with state and federal law, contracted providers and facilities must attest to the accuracy of their directory information at least every 90 days. This is the amount taken from your pay each month. It has more than 20,000 physicians, including specialists, and more than 140 all acute care hospitals in Michigan. To obtain a coordination of benefits letter, call the number on the back of your Enrollee ID card. After that deductible is met, out-of-network charges are paid according to the plan design. 0000018397 00000 n Members should direct specific questions about PIP coverage to their auto insurer. Now let's look at some helpful scenarios that show how these plans work, considering the costs to have and use each plan. Employees can also make pre-tax HSA contributions by payroll deductions. 0000010306 00000 n What does PIP cover? `+DO>|5%Nqdws=0y';L a66[OIe,%EqtRS&54Qvw"E$iu3:G+x+II^ UTT"9W!4XuYS6Ly}l&!2 If you have any questions, call the phone number on the back of your Blue Cross ID card and we'll help. 0000019892 00000 n Give us a call to discuss your plan options. You can also take a closer look at your current plan to help you make the best choice for your 2021 plan. Here's how these plans work. 0000014041 00000 n 0000011210 00000 n Use the Find-a-Doctor tool to verify provider participation in one of our plan networks. 0000059434 00000 n You can log in to your online member account to see if you have a QHC letter to download. The HSA balance belongs to the employee and can be carried over from year to year. *Blue Shield of California member plans only, Pre-service review for out-of-area members. GradCare Member Reimbursement Form U-M Premier Care Member Reimbursement Form PIP coverage can include items like attendant care, housing modifications and lost wages. Health Insurance Marketplace Check out information about the Marketplace, especially if you are not eligible for coverage through LCC. 0000048207 00000 n The new Michigan No-Fault insurance law defines qualified health coverage in two ways: It is "health or accident coverage" that "does not exclude or limit coverage for injuries related to motor vehicle accidents" and its "annual deductible for coverage" must be "$6,000 or less per individual." (MCL 500.3107d (7) (b) (i)) Or it is Medicare coverage. For the HSA Plus Plan because Mary met her deductible and a portion of her service costs are paid at the 20% co-insurance, she would be responsible for $3,006 out of pocket to use this plan. For all other claims, choose your health plan on this page to find the form and instructions for sending it in. You also have an out of pocket maximum, that's the maximum amount you pay in deductibles and applicable co-insurance during one plan year. Don't have a member account? 0000025874 00000 n 0000007258 00000 n A plan is considered QHC if coverage for motor vehicle accidents is not excluded and the annual deductible is $6,000 or less per covered individual. No-fault auto insurance changes in Michigan bcbsm.com Health (6 days ago) WebThere are several ways you can request a QHC letter. Automobile No-Fault Insurance Changes: Prior to July 2, 2020, Michigans Automobile No-Fault Insurance Law required individuals to purchase unlimited Personal Injury Protection (PIP) through their auto insurer. Co-insurance is a percentage of the cost you share with the plan. 0000014702 00000 n 0000008243 00000 n Log in to get your questions answered by a live representative, Monday through Friday, 6 a.m. to 6:30 p.m. You can also review your current plan to help make the best choice for 2021. For the HSA Plus Plan, Ford contributes $1,000 towards Mary's health savings account, which further reduces her cost to use this plan. You can log in to your online member account to see if you have a QHC letter to download. 0000027783 00000 n Verify eligibility of Blue Shield of California, Blue Shield of California Promise Health Plan, other Blue plan and Federal Employee Program members, and access associated benefits information. You have certain tasks to complete within specific . 0000017479 00000 n Employees can now get a Health Care Plan Verification letter through Wolverine Access by selecting Employee Self-Service > Benefits > Health Care Plan Verification. There are different levels of PIP coverage that you can choose from. Earnings on an HSA fund balance are tax-free, and you can withdraw your money tax-free anytime, as long as you use it for qualified medical expenses for yourself or your tax dependents. h1aMXk* Q)DDJjH$*F You can keep your unlimited PIP coverage. 0000005625 00000 n 0000042215 00000 n When you combine Mary's cost to have and use the HSA Plus Plan, her total cost is $5,306. Log in to continue with member verification. 0000008905 00000 n Go paperless by submitting claims and managing payments online for free. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Look for the chat icon at the bottom right corner of the screenon any page of this website. Select Claims on the menu bar. 310 0 obj <>/Filter/FlateDecode/ID[<4C51D19B138643B1A2CB07133610D1D7>]/Index[258 116]/Info 257 0 R/Length 203/Prev 1461330/Root 259 0 R/Size 374/Type/XRef/W[1 3 1]>>stream 0000048540 00000 n endstream endobj startxref 0000027316 00000 n If your auto insurance is requesting a QHC letter to issue or renew a policy, you may request a QHC letter by contacting your health carrier. The HSA Plan is available to you at no cost. %PDF-1.7 % Under the new law, youll no longer be required to purchase unlimited personal injury protection (or PIP) if you have a certain level of health insurance coverage. Mary would pay nothing from her paycheck to have the HSA Plan. For more info, visitwww.mi.gov/AutoInsurance, emailAutoInsurance@mi.gov, or call 833-ASK-DIFS (275-3437). Each letter serves a distinct and specific purpose: Notice of qualified health coverage for auto personal injury protection (PIP) benefits: Changes to Michigan's no-fault auto insurance law that . [Instructor] Hello, and welcome to Blue Cross Blue Shield of Michigan. "Qualified Health Coverage" means your health coverage: Does not exclude or limit coverage for motor vehicle accidents; and Has an annual deductible of $6,000.00 or less per covered individual. startxref 'TMjZ}dM`V;hO0 45o` T@> $0,Tkpp9~#@="-toen7=u-J 3P6sO1v 0IA||$IRs3R6o'j*vU#;B!FL5O,hBtA7|$xVv)*09KTOM8Gh6CAIT,[*6a8 wz 0000003914 00000 n 1200 N. Telegraph Road 0000020507 00000 n 0000051836 00000 n 0000047030 00000 n 0000000016 00000 n Your auto insurer may also ask for a letter about how your health coverage coordinates with your auto insurance for auto accident medical claims (i.e., which coverage pays primary in an auto accident). James has arthritis, so he needs to take a higher cost maintenance drug. Blue Cross Blue Shield of Michigan. 0000025504 00000 n For the HSA Plus Plan, her yearly contributions, which is her cost to have the plan would be $3,300. Two letters confirming you have MESSA coverage that are often requested by your auto insurance carrier can be found in your MyMESSA member account. We're redirecting you to Blue Shield of California's Find a doctor search. The maximum deductible for two or more covered persons in your family was limited to 1 months of your basic salary. Provided in a vehicle qualified as an ambulance and part of a licensed ambulance operation N'JV|DI]Ea:%*&[|{;z^HzwD/L_d?D/q|',W2tKpcukU;Bxc%w37XeNh{%_hl@zPMy * uAd;{i6pmn'D=6e Cvy"ngpdh6 s/8bG. An HMO provides necessary hospital and medical treatment when you are sick or injured, prescription medicine services, substance abuse treatment, short-term mental health care, and routine preventive health maintenance services such as immunizations. 0000032777 00000 n Effective January 1, 2023, MSPTA-represented (To1) employees are eligible for this benefit, DROP employees and OEAIs and the dependents remain ineligible. With the HSA Plan, you pay 100% of medical and prescription costs until your deductible is met. 1tv BlueCard Program home page. To quickly and easily find out if you, the provider, or a provider referral, participate in the member's plan network*, either log in or register for Provider Connection. 0000026660 00000 n lo%x9d,oqM lzgw'TK6oB~+d; {qi.B/ R`]Hcq6~s_]=y&|9]Fl2b\o9Vp"(5Z9lb.dx;@? *Mii lkSW+0XI~'kT`C>?wlvR 0000029999 00000 n If you're asked to provide your auto insurer with a QHC letter, you will either need to contact your health plan (like Blue Cross) or your employer to request the letter. This amount does not count toward the plan's out-of-pocket maximum. 0000059965 00000 n Log in now myfordbenefits.com HELPS YOU: View personalized benefits a health reimbursement arrangement which helps members pay for qualified medical expenses. Your email address will not be published. The State High Deductible Health Plan (HDHP) with Health Savings Account (HSA) provides a different way for employees to cover health care costs while still being able to access the entire BCBSM PPO network. Per state and federal law, providers and facilities must attest to accuracy of directory information to stay visible in find a Doctor. Submit and confirm authorizations and approval of medical and pharmacy services prior to services being rendered. The HSA Plan is still the less costly option for Mary because the total cost to have and use the plan is lower in the HSA Plan. Learn More Questions? 0000025213 00000 n Visit myfordbenefits.com and make your plan selection for 2023. *Note: MSPTA-represented (T01) employees, DROP employees, and Other Eligible Adult Individuals (OEAIs) and their dependents are not eligible for this benefit. %PDF-1.6 % To help your savings grow even more, when your HSA balance reaches $1,000, you can choose a variety of investments. 0000034485 00000 n *Except for those employees in certain bargaining units who are hired on or after 1/1/00 who have a regular work schedule of 40 hours or less per bi-weekly pay period (not permanent-intermittent positions). And he pay $2,280 annually to have the HSA Plus Plan. www.bcbsm.com/som, State High Deductible HealthPlan (HDHP) withHealth Savings Account (HSA)- HDHP administered by Blue Cross Blue Shield of Michigan (BCBSM),HSA administered by HealthEquity. The BlueCard Program links Blue plans across the United States and abroad through a single electronic network for claims processing and reimbursement. Available for commercial, Shared Advantage, and BlueCard. The out-of-pocket maximum does not include monthly paycheck contributions, copayments, or any expenses not covered by your plan. 0000010545 00000 n 0 In 2021, you'll have a choice between two HSA eligible medical plans, HSA Plan and HSA Plus Plan. 600 Lafayette East. 0000020133 00000 n We're making your EOB easier to understand. 0000027473 00000 n Your doctor will submit the form by following the instructions on the back. 0000011869 00000 n In order to understand if youll need information from Blue Cross to make an auto coverage decision, youll want to first talk to your auto insurer. .r~'J ms-oA&@i 9k2 J4T{Yt;cu6J_Fs"6r|(Z? Now let's imagine Mary and her family had a year with a lot of medical and prescription expenses where they meet the out-of-pocket maximum for both plans. 0000049102 00000 n For example: a single person chooses an in-network hospital for surgery. If you choose to do so, you will be responsible for both deductibles. em4MVRpH ~*.V%s^5h}R,uJXP;6s@bH{{J 4aWS8r *W~oKMwSV-Kl^voIb #TY^hAP38HUR{mv8azF`lAQm8yiKm77!}1nW Enter the three letters of your "Enrollee ID" found on your Blue Cross Blue Shield member ID card, and then click Go. 0000007628 00000 n 0000022361 00000 n The best part is an HSA offers a triple tax advantage, payroll contributions, interest earned on investments and withdrawals for qualified medical expenses are all tax free. Share & Bookmark, Press Enter to show all options, press Tab go to next option, Retirement and Deferred Compensation Board, Upcoming Individual Consultations & Seminars, Oakland County's Qualified Health Coverage Letter for Active Employees, Oakland County's Qualified Health Coverage Letter for Retiree, Notice of Qualified Health Coverage for Purposes of Michigan No-Fault Auto Law, 2023 PPO 1 Summary of Benefits and Coverage, 2023 PPO 3 Summary of Benefits and Coverage, Summary of Information for Preventive Care, 2023 PPO 2 Summary of Benefits and Coverage, 2023 Traditional Summary of Benefits and Coverage, 2023 HAP Summary of Benefits and Coverage, BCBSM Approved Autism Evaluation Centers and Behavioral Analysts. 13 0 obj <> endobj Callers to our phone lines are currently experiencing long wait times. 0000033132 00000 n Preventive care benefits are covered 100 percent when received from a TRUST PPO network provider. Links to all provider websites can be found on our Benefit Carrier Contact Information page. %PDF-1.7 % 0000049042 00000 n The state will make an annual HSA contribution of $750 for an eligible individual employee enrolled in the State HDHP or $1,500 for an eligible employee who enrolls with one or more eligible dependents in the State HDHP,* effective January 1. If you are 55 or older, you can make an additional catch-up contribution of $1,000 per year until you are enrolled in Medicare. ^0} SX XD00{03pi`p. 0000048409 00000 n 0000009570 00000 n What's qualified health coverage under the new law? 0000030483 00000 n 0 140 0 obj <> endobj These scenarios are simple, and there are many other ways you can consider managing your out-of-pocket costs with your health savings account. This copay does not apply to the out of pocket maximum for the HSA Plan, so Mary will be responsible for this copay each time she or a family member visits the ER, after the deductible is met. 0000008446 00000 n You don't need to wait until your new plan year starts to see your doctor. Your explanation of benefits (EOB) statement has a new look. Thank you for viewing. 0000031798 00000 n hb``a`` -mY8PE!u[dCC#W6,j.Fvtl,s fb`p;CT3j SECTION 2 OTHER HEALTH COVERAGE INFORMATION . %PDF-1.6 % 0000027006 00000 n Pontiac, MI 48341. 0000029757 00000 n 0000029515 00000 n 0000014332 00000 n Detroit, MI 48226-9942. If you are new to an HMO, that HMO may ask you to select your primary care physician. You can choose your own primary care physician who will provide direct care or make referrals from within the network. 0000015914 00000 n 1-313-225-9000. 500 Renaissance Center. 0000021457 00000 n You must be in pay status to receive this payment. 0000010919 00000 n View the eGuide to see the Ford resources available all year long. 577 0 obj <>stream This was a hospitalization-only plan intended as an option if you had coverage elsewhere (for example, through a spouse who works for another employer). 0000015249 00000 n The only providers permitted to submit a signed "Hospital Coverage Letter" for hospital privileges' requirement, are the following provider specialties/types: Adolescent Medicine, Child & Adolescent Psychiatry, Developmental-Behavioral Pediatrics, Family Practice, General Practice, Geriatric Medicine, Internal Medicine, Pediatrics, Physical HSA Plan and HSA Plus Plan. Benefits under this plan were payable only after you had paid expenses equal to one month's basic salary (your deductible). 0000015623 00000 n <> Uses standard Blue Cross ID card. XYQ This product provides comprehensive PPO coverage with costsharing features. We can help. 0000031112 00000 n You keep what you dont spend on medical expenses, even if you retire or leave state employment. An HSA is a smart way to save for your future qualified health expenses, including those that may come up in retirement. You can use the money if you leave the company, change your plan, or retire. Your coverage is considered qualified if it: When making a decision, keep in mind that PIP has coverage that goes beyond traditional health insurance. If your auto insurance is requesting a QHC letter to issue or renew a policy, you may request a QHC letter by contacting yourhealth carrier. <>stream In the HSA Plus Plan, you're also responsible for all medical and prescription costs until your deductible is met. #G:&#WeKo]b287X]4 fd!n>X3jG[)GW%0.{1,JqA]Vf,fyf#Ji+OvDUpe!K|\"e2{g3ePW?/p Once logged in, navigate to the https://www.bcbsm.com/medicare/help/faqs/other/auto-law.html Category: Health Show Health This letter shows whether your health insurance plan meets the requirements to be considered QHC under the new no-fault auto law. John's annual paycheck deduction for the HSA Plan is zero. 0000009279 00000 n 0000048916 00000 n 0000031415 00000 n For Medicare Members: No-fault auto law changes Health (Just Now) WebThere are several ways you can request a QHC letter. When an out-of-area Blue plan member seeks medical care from your office, use our tools to simplify claims submission to Blue Shield of California. 0000007100 00000 n Find information about Promise Medi-Cal and Cal MediConnect, our policies, procedures and programs. For more information about the State of Michigan's eligibility requirements for employee health insurance coverage, . You can call the number on the back of your member ID card. He paid the full $800 cost of his medical services because the cost is less than the deductible for either plan. Physician Qualification Form (PDF) Healthy Blue Achieve Form (MSPTA-represented only) 0000019432 00000 n A plan is considered QHC if coverage for motor vehicle accidents is not excluded and the annual deductible is $6,000 or less per covered individual. It has more than 20,000 physicians, including specialists, and more than 140 all acute care hospitals in Michigan. After your deductible is met, co-insurance applies to medical and prescription costs until your out-of-pocket maximum is met. Let's start with Mary who selected a plan to cover her family. When we look again at the total cost of having and using the plans, the HSA Plan is the lower cost option for John. Blue Shield/Blue Shield Promise network referrals. This letter shows whether your health insurance plan meets the requirements to be considered QHC under the new no-fault auto law. Effective October 1, 2019, Blue Cross Blue Shield of Michigan, in partnership with Lucet, will be replacing Magellan Health as the State Health Plan (SHP) PPO Behavioral Health/Substance Use Disorder carrier. Visit Federal No Surprises Act (michigan.gov)for more information. 0000006145 00000 n To request your QHC confirmation letter: Log in to your member account. Visit myfordbenefits.com and make your plan selection for 2023. Once logged in, navigate to the https://www.bcbsm.com/medicare/help/faqs/other/auto-law.html Category: Health Show Health 0000041020 00000 n 0000011580 00000 n You can log in to your online member account to see if you have a QHC letter to download. PIP is the part of an auto insurance plan that covers the health care costs from a car . First, let's look at the cost to have a medical plan. 0000018138 00000 n TTY users should call 711. b|=b}#Aif3TRD0;@NHkQ#`VEQxD db4H@g& C 141 0 obj Visit, Go to Qualified Transportation Fringe Benefits (QTFB), Active Employee State Health Plan PPO BCBSM Plan Booklet, Retiree State Health Plan PPO With Medicare Booklet, Understanding HMO Insurance Premium Rates. And that both plans include a health savings account or HSA, that allows you to set aside tax-free funds that you can use for qualified medical expenses. hm6?ZqJ!nv+E 0000030725 00000 n hb``b``f`c`Taa@ V(-) Q>hL)[ley|800pt Pn`K Al@8m@@3J31k=21@=3 F%&hWfpdbm]` endobj New SHP PPO membership ID cards will be mailed in September 2019. Individuals attempting unauthorized access will be prosecuted. 0000060222 00000 n View the Telemedicine Benefit Summary to see your State-sponsored health insurance carrier's telemedicine coverage. Both plans include a health savings account HSA. 0000021696 00000 n [Narrator] Hello again, and welcome to Blue Cross Blue Shield of Michigan. Your Benefit Guide State Health Plan PPO 3 Visit BCBSM Customer Service Center 232 S. Capitol Ave. Lansing, MI 48933 . 0000023650 00000 n This contribution will be prorated for employees who enroll mid-year. State-sponsored health insurance carriers are prepared to send a letter to State employees or retirees, upon request, confirming their health plan is considered Qualified Health Coverage (QHC).
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