Health Resources

When it comes to selecting medical coverage for Michigan health insurance, there are several laws, underwriting stipulations and preexisting guidelines to be aware of. Use the information, below to shop around for health insurance.

What are the rate restrictions? Insurance providers, with the exception of Blue Cross Blue Shield of Michigan’s individual policies, do NOT have any rate restrictions.

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).

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.

Are there strict guidelines for Michigan’s Patient Bill of Rights? Effective since, October 1, 1997, the Michigan Patient Bill of Rights grants patients the right to obtain their medical information and health coverage sooner for conditions that were diagnosed prior to enrollment of the current Michigan health insurance. The legislation does not apply to self-funded health care plans.

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 an online source for consumers, who are in quest of health insurance quotes, to obtain hassle free medical coverage information? Any insurance representative, who charges consumers for Michigan health insurance quotes, is breaking the law.

For no obligation whatsoever, licensed insurance agent, Michael Novelli offers instant, free medical quotes at MichiganHealthandLife.com.

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.