DLEG - Health Insurance Information

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Information on Health Insurance: How to Get the Most Out of Your Health Coverage

Selecting, purchasing and understanding health insurance and health coverage options can be a complex experience. The purpose of this web page is to provide basic information regarding health insurance and health coverage in Michigan to help you make informed decisions when choosing health care coverage. Throughout the following web pages you will find responses to frequently asked questions, links to related topics and other helpful information.

Should you have questions, or need additional information, the staff of the Office of Financial and Insurance Regulation is available to provide assistance. Here is how to contact office.


		Health Insurance Basics

		Click here for: Coverage options, HIPAA eligible individual, creditable coverage, individual vs. group coverage


		Traditional Health Policy Specifics

		Click here for: Michigan's minimum coverage requirements, prescription drug coverage and other policy provisions


		Rate Regulation for Health Insurance

		Click here for: How health insurance rates are regulated, loss ratios


		Health Maintenance Organization (HMOs) Basics

		Click here for: Information on HMOs


		Blue Cross Blue Shield of MI

		Click here for: Information on BCBSM


		Leaving an Employer Group

		Click here for: Conversion rights, continuation rights and moving from group coverage to individual coverage


		Health Savings Accounts

		Click here for: Information on HSAs


		Health Coverage Appeals

		Click here for: Internal grievance process and Patients Right to Independent Review Act, adverse determination, external reviews and time frames


		Self-Funded Health Care Plans

		Click here for: Self-funded health care plans


		Carrier Information

		Click here for: Private rating firms, filing a complaint with OFIS, and carrier comparisons


		Senior Issues

		Click here for: Medicare, Medicare supplement, and long term care insurance


		Miscellaneous Topics

		Click here for: Clean claims, disability income insurance, and discount health care plans


		Glossary

		Click here for: Definition of terms used


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