Michigan Health Insurance
Health Insurance in Michigan
While Michigan health insurance providers are limited by the same regulations as many other states, further protections for Michigan health insurance consumers are guaranteed through Blue Cross Blue Shield of Michigan. Health insurance in Michigan is an array of non-standardized choices by many providers of health insurance in Michigan and standardized services offered Blue Cross Blue Shield of Michigan.
Group health insurance in Michigan is very similar to group plans offered in other states. Employees cannot be denied coverage under an employer’s group health insurance in Michigan. Exclusions from health insurance in Michigan can be applied for 18 months. These exclusions from group health insurance in Michigan must be for pre-existing conditions diagnosed in the six months prior to the start of the group health insurance in Michigan.
Most providers of individual health insurance in Michigan are free to deny coverage to anyone. Blue Cross Blue Shield must provide individual health insurance in Michigan to anyone who requests it. Further, any HMO health insurance in Michigan must offer an open enrollment period for 30 days of each year. Exclusions from individual health insurance in Michigan can be applied for 12 months. Exclusions from individual health insurance in Michigan through Blue Cross Blue Shield or HMO programs are limited to six months. For all individual health insurance in Michigan, pre-existing conditions are determined by medical advice sought in the six months prior to the start of individual health insurance in Michigan. Pregnancy can be considered a pre-existing condition under individual health insurance in Michigan. Providers of individual health insurance in Michigan are free to raise premiums and fees according to the health of the insured person. Blue Cross Blue Shield may not raise rates because of the health of a person insured under individual health insurance in Michigan.
Providers of small group health insurance in Michigan are required to sell policies to businesses. Providers of small group health insurance in Michigan can require that a certain percentage of employees be covered. Blue Cross Blue Shield cannot require a percentage of employees covered under small group health insurance in Michigan. Higher premiums can be assessed for small group health insurance in Michigan when members of the plan become ill. Blue Cross Blue Shield cannot raise premiums for small group health insurance in Michigan based on the health of group members. The self- employed can obtain small group health insurance in Michigan through Blue Cross Blue Shield.