Unique Original Articles » Michigan Health Insurance -- Stuff You Should Know

The only guaranteed health insurance or medical insurance providers in Michigan are Blue Cross Blue Shield of Michigan. Certain plans will cover doctor visits or prescriptions, others may not.

A six month waiting period could be enforced for pre-existing situations. Pregnancy is considered a pre-existing condition but will be covered after the six month period.

There is one large shortcoming with the BCBSM policies regarding children. An adult has to be included on all policies, children can not be covered individually.

Individual BCBSM policies have limited coverage for doctor visits and prescriptions, so this can cause difficulties. Under Michigan law, individual health insurance policies are limited to one year exclusion riders on pre-existing conditions.

Consequently, most Michigan Health Insurance Companies don’t permit people that have pre-existing medical conditions, which in subsequent states, that give a longer exclusion times might be permitted. Infant babies and any legally adopted child must be given coverage for the first 31 days through either parent’s Michigan health insurance plan as per federal law.

Your health insurance policy cannot be cancelled because you get sick. As long as the facts on the original submission were truthful and your premiums are paid up to date, Michigan Health Insurance companies have got to renew your plan.

In spite of of any preexisting medical conditions, Michigan HMO’s must present their policies for the duration a one month open enrollment period. They are not required to offer prescriptions with their healthcare plans. A Michigan Health Insurance Company can impose an 18 month waiting period for pre-existing medical conditions if the employee was not previously covered under another plan within the previous 63 day period.
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