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Michigan No-fault Auto Insurance Policies - Coordinated & Uncoordinated Medical Coverage
If you have been injured in a Michigan car accident
, truck accident, or motorcycle accident you may be available for either coordinated medical coverage or uncoordinated (primary) medical coverage depending on what type of no-fault auto policy you selected.Under the Michigan No-Fault law, if a person is injured in a Michigan accident, the insurer must pay all the reasonable charges for products, services, and accommodations till the person's recovery.
**Michigan Coordinated Medical Coverage
If you have selected coordinated coverage as your no-fault auto policy, you must submit your medical bills to your health care insurance or HMO first. With the coordinated medical coverage, the insurer will pay for the reasonable and necessary care/expenses that is not covered by your health insurance or HMO.
The No-Fault auto insurer does require proof that the bills have been submitted to your health care insurance first. The auto insurer will pay the medical coverage if after the bills have been submitted, they were either rejected or partially paid.
If you have a deductible with your coordinated coverage, payments made by your primary health insurance will be used towards satisfying the deductible.
If your primary health insurance does not cover medical expenses or you do not have health insurance coverage on your policy, payments will be reduced to $300 in addition to your deductible if any. Medicare is an example of a health insurer that does not cover medical expenses for car accident injuries. In this scenario, you would submit your medical expense bills directly to your No-Fault auto insurer.
**Michigan Uncoordinated Medical Coverage
If you have selected uncoordinated coverage or primary medical coverage as your no-fault auto policy, your medical bills may be paid twice. Your health insurer will pay the provider and the auto insurer will pay you.
Your health insurance may not always cover medical expenses. In fact, health insurance plans try to avoid paying for medical expenses caused from car accident injuries. Some health insurance plans use policy language stating that if a person has no-fault coverage they will not cover medical expenses. However, other policies state that to prevent duplication of benefits being paid they will not cover medical expenses if the victim has an uncoordinated or primary no-fault policy.
When choosing a health insurer, you should always inspect their policy to establish whether or not they would cover your medical expenses if you were to be injured in a Michigan car accident.
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