Michigan Health Insurance Rights and Regulations

Michigan health insurance companies are governed by specific rules and regulations that are meant to protect both the Michigan health insurance companies and the individuals who hold policies. Michigan health insurance companies that provide individual policies have the right to deny any applicant coverage based on age or health conditions. Under Michigan health insurance law, the company can offer individuals policies with elimination riders that exclude certain conditions from coverage. This type of insurance is virtually useless to individuals with severe illnesses or with a variety of pre-existing conditions.

Because of these circumstances, Michigan health insurance law requires that those who qualify have access to individual Michigan health insurance plans with no pre-existing condition clauses or exclusion periods. Under the Health Insurance Portability and Accountability Act, individuals who qualify are entitled to affordable Michigan health insurance without pre-existing condition clauses. If an individual who needs Michigan health insurance has used all of his or her COBRA coverage and is not eligible for Medicare, Medicaid or a group plan, he or she may be eligible for HIPAA Michigan health insurance.

There are no limits to the amount of money a Michigan health insurance company can charge for premiums. Michigan health insurance companies are free to base their premium rates on age, gender, health condition and other factors that can help determine high-risk. However, once you obtain a Michigan health insurance policy, you have the right to renew it at the end of each term as long as you have paid all of your premiums. Michigan health insurance companies cannot cancel Michigan health insurance policies based on health conditions or age.

Michigan health insurance companies are also required to offer temporary insurance know as COBRA. Individuals who lose their jobs or who are in between group Michigan health insurance policies can continue their coverage through the COBRA program. However, these temporary Michigan health insurance policies only last for up to six months, and they can be rather expensive. The less time you spend on a COBRA program the better, but it is still a worthwhile program for people who are in need of Michigan health insurance.

Pre-existing condition clauses are also regulated by the Michigan state legislature. With basic Michigan health insurance policies, Michigan health insurance companies are limited to a twelve-month exclusion period during which they can deny coverage for claims relating to pre-existing conditions. However, people HMO coverage or Blue Cross Blue Shield can only have exclusion periods of up to six months. In both cases, Michigan health insurance law defines a pre-existing condition as any illness for which the Michigan health insurance policyholder received treatment within the six months prior to beginning coverage by the new Michigan health insurance policy.

Michigan health insurance companies are also required to cover newborns and adopted children for the first thirty-one days without the Michigan health insurance policyholder having to file paperwork. After the initial thirty-one days, the Michigan health insurance policyholder must then submit paperwork to have the dependent covered by the policy. Disabled dependents are also guaranteed continued coverage beyond the usual age limit for the plan if the Michigan health insurance policyholder is the sole caretaker and supporter of the disabled dependent.

Michigan Health Insurance Rights and Regulations

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