Selecting Michigan health insurance calls for a basic understanding of the legislative guidelines, preexisting medical guidelines, as well as any underwriting stipulations. Review these questions and answers about health insurance coverage.

Are there any rate restrictions? Insurance carriers do not have any rate restrictions; however, Blue Cross Blue Shield of Michigan is required to community rate products for individual plans.

What are the underwriting guidelines for Michigan health insurance? In Michigan, all insurance agencies have the authority to medically underwrite services with the exceptions of Blue Cross Blue Shield of Michigan and health maintenance organizations (HMOs).

During open enrollment, are elimination riders legitimate? Although Blue Cross Blue Shield of Michigan and HMOs are required to guarantee coverage during open enrollment (including HIPAA eligible), elimination riders are non-permissible.

What is Michigan's Patient Bill of Rights? Effective as of October 1, 1997, the Michigan Patient Bill of Rights guarantees patient rights, regarding health coverage plan information, medical coverage sooner for preexisting conditions that were existent prior to enrollment of the current health coverage plan. However, the Michigan health insurance stipulation is not applicable to self-funded medical care policies.

In Michigan, what are the preexisting condition requirements? Michigan health insurance mandates a 6-month look-back, as well as an exclusionary period limit for preexisting medical conditions, applicable to HMOs and for Blue Cross Blue Shield of Michigan. Other Michigan health insurance carriers are required to adhere to a 6-month look-back and a 12-month exclusionary period limit for preexisting medical conditions on individual plans.

Where can individuals in need of health insurance obtain hassle free medical quotes? It is illegal for any insurance representative to charge for medical quotes.

For no obligation whatsoever, licensed insurance agent, Michael Novelli offers instant, free medical quotes at MichiganHealthandLife.com.

To speak with a trusted agent in Michigan about Michigan health insurance, speak to Mike Novelli at 1-866-522-5953. Or you can obtain your own free quote by clicking on this link, Michigan health insurance quote.