The Consolidated Omnibus Budget Reconciliation Act (COBRA)
The law mandates that former employees, retirees, spouse or dependent have the opportunity to continue coverage with the purchase of a temporary plan. The rates for COBRA are based on the Michigan health insurance rates and the insured parties individual health circumstances.

The Employee Retirement Income Security Act (ERISA)
The law enables individuals, who are enrolled in a plan (health or retirement plans) the right to specific information. ERISA also enables members an appeals and grievance process, entitling them to receive specific health plan benefits.

The Health Insurance Portability and Accountability Act (HIPAA)
Another important law, which safeguards Americans with preexisting medical conditions, is the Health Insurance Portability and Accountability Act (HIPAA). The legislation assures that Michigan health insurance issuance is provided for individuals, who meet specific eligibility requirements, prohibiting health care coverage discrimination.

Michigan Health insurance note: If you’re switching health plans, have your insurance agent explain your best benefit options with respect to HIPAA.

Mental Health Parity Act (MHPA)
The provision mandates that annual or lifetime dollar limitations on mental health benefits must be equivocal, but not less than the dollar limit for medical and surgical benefits provided by the group Michigan health insurance plan.

The Newborns’ and Mothers’ Health Protection Act (Newborn’s Act)
The legislation authorizes a minimum hospitalization stay, which accounts for the days subsequent to the actual childbirth.

Michigan health plan tip: If you’re searching for Michigan health insurance quotes and planning to extend your family, be sure to check what benefits are covered for delivery.

Women’s Health and Cancer Rights Act (WHCRA)
The provision safeguards patients afflicted with breast cancer to have breast reconstruction surgery in cases where a mastectomy is the outcome.

For additional information about finding the best health plan for your medical needs, click on “Michigan health insurance help.”