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Michigan Health Insurance

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Updated June 01, 2007

Michigan Office of Financial and Insurance Services (OFIS)

OFIS is responsible for regulating all types of insurance sold in the state of Michigan - including health insurance policies.

If you are looking for health insurance coverage, OFIS can help you find an insurance agent or insurance company that is licensed to do business in Michigan. You can contact them at the phone number listed below, or conduct your own search online.

If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with OFIS. You can download a complaint form and mail it in, or contact OFIS by phone at the number listed below for more assistance.

Michigan Office of Financial and Insurance Services
P.O. Box 30220
Lansing, MI 48909
Phone: 517.373.0220 or 877.999.6442
http://www.michigan.gov/cis/0,1607,7-154-10555---,00.html

U.S. Department of Labor

If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.

If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.

U.S. Department of Labor Employee Benefits Security Administration
Detroit District Office
211 West Fort Street, Suite 1310
Detroit, MI 48226-3211
Patrick Kawa - Supervisor
Phone 313.226.7450
Fax 313.226.4257
http://www.dol.gov/ebsa/

Buying Individual Policies in Michigan

As a general rule, insurers in Michigan are allowed to reject your application for coverage based on your health status. Blue Cross Blue Shield of Michigan is the one exception to this rule - they are required to sell a policy to anyone, regardless of health status.

Blue Cross Blue Shield of Michigan
600 E. Lafayette, MC 1826
Detroit, MI 48226
Phone 313.225.8100 or 800.637.2227
http://www.bcbsm.com/home/coverage_options/index.shtml

MiChild - the State Children's Health Insurance Program

MiChild provides health insurance coverage for children under age 19 whose family meets certain income requirements. There is a $10 monthly premium for MiChild coverage. This premium is $10 no matter how many children you have.

MiChild
Phone: 1.888.988.6300
http://www.michigan.gov/mdch/1,1607,7-132-2943_4845_4931---,00.html

Michigan Medicare/Medicaid Assistance Program (MMAP)

MMAP provides free one-on-one counseling for Medicare and Medicaid beneficiaries with questions about any aspect of Medicare or Medicaid, including the Medicare Part D prescription drug benefit, or Medigap coverage.

MMAP
6105 West St. Joseph, Suite 204
Lansing, MI 48917-4850
Phone 1.800.803.7174
http://www.mymmap.org/index.php]

Michigan Medicaid

Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about Michigan Medicaid, including eligibility requirements, contact Michigan Medicaid at the number listed below.

Michigan Medicaid
Michigan Department of Community Health
Capitol View Building
201 Townsend Street
Lansing, Michigan 48913
Phone: 517.373.3740
http://www.michigan.gov/mdch/0,1607,7-132-2943_4860---,00.html

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