What Do I Need To Know About The Changes To Michigan’s No
Who is this for?
This is for Blue Cross Blue Shield of Michigan members who want details about Michigans new no-fault auto insurance law that goes into effect on July 1, 2020.
Are you looking for the form that coordinates your auto and medical insurance after an accident? You can find what youll need on our subrogation page.
Are You Sure You Want To Leave This Website
You are leaving the Horizon Blue Cross Blue Shield of New Jersey website. Please click Continue to leave this website. Or, if you would like to remain in the current site, click Cancel.
This website is operated by Horizon Blue Cross Blue Shield of New Jersey and is not New Jerseys Health Insurance Marketplace. This website does not display all Qualified Health Plans available through Get Covered NJ. To see all available Qualified Health Plan options, go to the New Jersey Health Insurance Marketplace at Get Covered NJ.
Products and services are provided by Horizon Blue Cross Blue Shield of New Jersey, Horizon Insurance Company, Horizon Healthcare of New Jersey, Braven Health, and/or Horizon Healthcare Dental, Inc., each an independent licensee of the Blue Cross Blue Shield Association. Communications may be issued by Horizon Blue Cross Blue Shield of New Jersey in its capacity as administrator of programs and provider relations for all its companies. The Blue Cross® and Blue Shield® name and symbols are registered marks of the Blue Cross Blue Shield Association. The Horizon® name and symbols are registered marks of Horizon Blue Cross Blue Shield of New Jersey. The Braven Health name and symbols are service marks of Braven Health.
For J.D. Power 2022 award information, visit jdpower.com/awards
Information in Other Languages
Can I Use My Health Insurance If I Am In A Car Wreck
A frequently asked question from our clients at The Jewkes Firm is whether to use health insurance for treatment of injuries. In Georgia, you are ultimately responsible for the medical expenses incurred from the car wreck. More often than not, those individuals with health insurance pay a smaller portion of âout of pocketâ expenses towards their medical bills. For this reason, we generally recommend that you use your health insurance to cover your medical treatment.
Getting treatment for injuries can become tricky, especially when there are different types of insurances policies in place. The injured individual often doesnât understand which insurance policies they should use for paying medical bills. They are also unsure about whether their health insurance can cover the accident injuries.
Several health insurance policies do cover injuries sustained in a car accident but often only to a certain point. Weâll share with you some important issues associated with auto accident injuries and health insurance.
Also Check: How Often Should You Change Your Car Battery
Should You Get Pip Or Medpay If You Have Health Insurance
While health insurance, PIP and MedPay all help you pay for medical expenses after a car accident, they each serve a different purpose. You may want to consider adding PIP or MedPay to your car insurance coverages, even if you’re not required by state law to do so.
For one, PIP and MedPay can also help pay for the deductible on your health insurance. If you anticipate having to use your health insurance, like if your PIP or MedPay allowances run low, you can use the last of your MedPay allotment to pay your health insurance deductible. PIP and MedPay will also cover expenses associated with a funeral, which health insurance does not. While it may be unpleasant to consider, funerals are expensive something that can add more financial stress to an already upsetting situation for your family. PIP and MedPay will cover those costs.
Additionally, PIP and MedPay provide coverage for passengers injured in your vehicle. If you find yourself in the car often with nonimmediate family, it may be a benefit to have PIP or MedPay cover their injuries in the event of an accident.
Lastly, there is simply a degree of peace of mind in knowing you have a second source of coverage to pay for a potentially expensive injury. Medical bills can pile up after a car accident, and having an extra $50,000 worth of PIP or MedPay coverage can make a difference. You’ll also have a backup in the event your health insurance company denies your claim.
Get Legal Help From Our Personal Injury Attorneys
A big problem I see with people who try and settle their own cases without an attorney is that the injured person forgets, or is not aware, they owe their medical payments coverage back. So you have, for example, $3,000 in medical bills which are paid by your own auto insurance company. You settle with the other insurance company for the drunk guy that hit you for $2500 in your pocket. You spend all of that money, then one day you get that letter in the mail that you were never expecting, from your own insurance company, that threatens to sue you if you do not repay them that $3000 that they paid on your behalf. What do you do? Well, it is too late at that point. You owe the money. There are things you can do to try and cut your losses, but the bottom line is you got hurt, and after you settle, you owe money.
Dont let this happen to you. If you are injured in Tennessee and have questions about third party denial claims, or how your bills are going to be paid after your car wreck, give us a call at 807-7900 and let us make sure you come out on top.
Don’t Miss: How To Remove Hard Water Spots From Car Windows
If We Contact You About Coordination Of Benefits Or Subrogation
When we send you a form that asks if you have more than one health insurance plan, you should respond, even if the answer is no.
You dont have to wait for us to contact you. You can:
- Let us know anytime you or anyone on your plan adds or drops other health insurance
- Confirm your existing coordination of benefits information or update it when your plan renews each year then we wont mail you a form
If we contact you about subrogation, you should also respond. Learn more about subrogation.
How Does Health Insurance Work With No
The extent to which health insurance will cover car accident injuries by paying for a crash victims medical bills will depend on the No-Fault PIP medical benefits coverage level in the auto insurance policy through which the victim will be claiming No-Fault benefits.
Starting with policies issued or renewed after July 1, 2020, drivers can choose one of the following medical coverage levels: Unlimited $250,000 $500,000 or $50,000 for drivers enrolled in Medicaid. )
When a crash victims medical bills exceed either the $250,000 or $500,000 coverage levels, then he or she could turn to his or her health insurance plan to cover car accident injuries in excess of the coverage levels.
Significantly, its unlikely that medical insurance would play any role in circumstances where the No-Fault PIP medical benefits coverage levels were either unlimited or $50,000 for Medicaid recipients:
Also Check: How Often Should You Change Your Car Brakes
Getting Help After A Car Accident
If you’ve been injured in a car accident and you’ve got questions about the insurance coverage pictureâor if you just want to put your car accident case in the hands of a skilled legal professionalâit might be a good idea to discuss your situation with an experienced lawyer.
Not only will a lawyer know how to navigate the murk of the insurance realm, they’ll also make sure you recover compensation for the full spectrum your losses . That means not just your medical bills but also your lost income, other out-of-pocket losses, and your mental and physical pain and suffering. Learn more about how an attorney can help with a car accident case.
What If I’m Injured After An Accident But I Don’t Have Health Insurance
Don’t delay getting necessary medical treatment after a car accident, even if you don’t have health insurance. Depending on the law in your state, hospitals and other care providers may be legally required to present certain options to uninsured patients, including interest-free payment plans and discounted charges for treatment, depending on the specifics of the law.
For car accident injuries in particular, some health care providers will treat the patient now and postpone getting paid until any car insurance claim or injury lawsuit is resolved. This kind of arrangement is often called a “medical lien.” Learn more about health care provider claims on personal injury settlements.
Recommended Reading: Where To Get My Car Detailed
What Happens To All Your Medical Bills In A Florida Car Accident
When you get in a motor-vehicle accident, medical bills I put #2 behind loss wages as far as uh-oh why? Because its something you can touch. Youve got to give a $100 bill unlike your pain and suffering thats really not something you can put a finger on or something you can write a check for.
#1, your insurance company under the No-Fault law, PIP , pays your medical bills. Theres a $10,000 reservoir between the medical bills and wages. So when you take that ambulance ride for 500 bucks, youve got to send it to your insurance company.
Then you get to the hospital, youre going to have an emergency room physician, youre going to have x-ray techs, youre going to have radiology, all these big words for doctor bills, and youre going to have to send those there.
If you go to the hospital and they do surgery, guess what, the $10,000 of your PIP is gone immediately. What do we do then? We hope that youve got a secondary or other insurance, health insurance, Aetna, United Healthcare, Blue Cross Blue Shield, theyll then step in line.
And what we have to do is get an exhaustion letter that youve exhausted your PIP benefits. We submit that to Blue Cross Blue Shield, Aetna, United, and then theyll start paying sometimes.
If they dont, then we need to follow up and get what they need.
It says that, hey Mr. Hospital, my clients in an accident. Back off a little bit. I promise you when we settle the case, were going to pay you.
RESULTS & SETTLEMENTS
Does Health Insurance Cover Car Accident Injuries The Same As No
No health insurance does not cover car accident injuries the same as No-Fault insurance. Subject to the No-Fault PIP medical benefits coverage levels, No-Fault insurance covers all medical care, medical treatment and medical services that are reasonably necessary to a victims care, recovery or rehabilitation. )
This means that medical insurance and auto No-Fault are definitely not the same. In regards to health insurance covering car accident injuries, it fails to cover many of the necessary medical treatments and services that No-Fault readily covers for people who desperately need certain types of medical care.
These limited and/or excluded medical treatments and services under medical insurance often include:
- Residential care
- Attendant care by an agency
- In-home attendant care
- Long-term speech and cognitive therapy
Read Also: How Do I Know If My Car Was Towed
How Can I Get A Qhc Letter
There are several ways you can request a QHC letter.
- You can log in to your online member account to see if you have a QHC letter to download. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page.
- You can call the number on the back of your member ID card.
- If you don’t see a QHC letter online or are unable to get one through calling the number on the back of your card, you can reach out to your employer to request the letter.
What Does Blue Cross Blue Shield Cover
Do you know what Blue Cross Blue Shield covers? Well, you are at the perfect place to find the answer to such a question.
Are you wondering what your Blue Cross Blue Shield insurance covers? Or are you looking to sign up for new coverage through a new company? We have the scoop on what Blue Cross Blue Shield covers!
Blue Cross Blue Shield provides personalized healthcare across the nation, based on the needs of those living in the community. They provide medical, dental, and vision to those that qualify, but each state has their own amount of coverage for each category, so you need to apply at your local office. Children are provided excellent medical and full dental coverage on most BCBS plans until they turn 21.
The following article dives into all you need to know about signing up for Blue Cross Blue Shield Health Insurance.
You May Like: Where To Dispose Of Car Batteries
Get Legal Help After A Car Accident In South Carolina
If you were injured in an auto accident in the Columbia area, you should contact the Law Office of Kenneth Berger for a free consultation. A car accident lawyer can help injured people after an accident by handling the crash investigation, negotiating your insurance claims, and representing you in any lawsuits that you need to claim a full and fair recovery.
The attorneys at the Law Office of Kenneth E. Berger have years of experience handling cases like yours, and would be honored to help you and your family with the legal recovery process while you focus on healing. Our offices are conveniently located in Columbia and Myrtle Beach, and we proudly serve the Sumter and Florence areas, as well as the entire state of South Carolina. Call us today at 803-790-2800 / 843-427-2800 , or start a 24/7 with a real, live person to arrange a free and confidential consultation.
Bcbs Coverage Travels With You
If you arent sure whats covered, its a good idea to call your Blue Cross Blue Shield company to find out what your benefits are if something goes awry while on vacation. When traveling within the United States, most Blue Cross Blue Shield members will be covered under the BlueCard program, which connects all 36 individual Blue Cross Blue Shield companies so that members can enjoy access to the savings the local Blue Cross Blue Shield plan has negotiated with its doctors and hospitals.
For example, if a member of Blue Cross Blue Shield of Texas, whose Plan includes the BlueCard program, falls and breaks his arm while hiking in Yellowstone, he will be charged the rate Blue Cross Blue Shield of Wyoming has negotiated with the local hospital rather than paying the steep fees he would otherwise encounter. Likewise, a BCBS Wyoming member who falls ill in Dallas would be charged the rate BCBS Texas has negotiated with its local providers. Its one of the many benefits of belonging to the nations oldest and largest health insurance system.
If your plans include international travel, GeoBlue has an extensive network of options to meet your needs when living or working abroad for an extended period of time. Though many Blue Cross Blue Shield plans cover international care in emergency situations,GeoBlue plans offer the most complete set of benefits and access to services like emergency medical evacuation, which might not be covered by your regular plan.
You May Like: How Much To Rent A Car
Need Help Call Michigan Auto Law First
If you have been injured in a crash and you need help with getting your No-Fault auto insurance company or your health insurance company to cover costs for your car accident injuries, call toll free anytime 24/7 at 777-0028 for a free consultation with one of our experienced attorneys. You can also get help from an experienced auto accident attorney by visiting our or you can use the chat feature on our website.
What Are The Benefits Of Getting Insurance Through Blue Cross Blue Shield
The Blue Care Network is very large and allows for those with their coverage to get access to healthcare across the country through a team of highly trained professionals that handle each individual case with privacy and respect.
Not only do they offer health, dental, and vision plans, but Blue Cross Blue Shield also gives you access to transportation services and a 24-hour Nurse Help line.
Read Also: How To Get A Car Unstuck From Snow
When Does Health Insurance Cover Car Accident Injuries
There are two specific circumstances where health insurance cover cars accident injuries and a victims medical care and treatment. They involve:
- Coordinated No-Fault benefits When the victim coordinated his or her No-Fault coverage and medial insurance coverage so that, in return for a lesser premium, medical insurance will pay first after a collision. No-Fault will pay only after the medical insurance had been exhausted.
- Excess medical bills When the victims accident-related medical bills exceed the No-Fault PIP medical benefits level in the auto insurance policy through which the accident victim is seeking benefits and the victim has medical insurance that will provide coverage.
Accident Attorneys Help Hold At
I do not want to live in a state or nation where reckless drivers can take to our roadways, injure families, then have their auto insurance carrier claim only partial responsibility simply because the family they hurt possessed health insurance. South Carolina families pay health insurance premiums to protect themselves, not to absolve dangerous drivers of the harm they cause. If you agree, feel free to share this article with others and let your legislators know that fair compensation for medical bills was, is, and must always be the law in our state.
Also Check: How To Change Car Tire
What Has Changed And How Does It Affect Me
The new Michigan no-fault auto insurance law means that residents are no longer required to buy unlimited personal injury protection, or PIP, with their auto insurance.
Youll have the option of choosing from different levels of personal injury protection coverage. What you choose is important because PIP covers more than medical expenses it includes things like attendant care, housing modifications and lost wages due to an accident.
Note: The no-fault auto insurance law is not a health insurance law, therefore, you should discuss PIP coverage or other auto coverage with your auto insurer or agent.