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Originally Posted by Paully Any medical insurer excluding your healrh coverage for any reason would be a good reason to switch medical coverage. Thats pretty fucked up.

This may be in particular of the Michigan no-fault auto (vehicular) laws. Any bodily injury from an accident is the responsibility of your insurer and not the party at fault.

Every year here you are assessed a state operated catastrophic medical fund premium.

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About the Michigan Catastrophic Claims Association MCCA stands for Michigan Catastrophic Claims Association. It's a special fund set up by state law. Our no-fault insurance system provides unlimited medical benefits for people who are hurt in auto accidents. So, a single injury can cost millions of dollars. MCCA reimburses insurance companies for these large losses after they reach a certain threshold, currently at $530,000. Then companies have to pay an assessment to cover what MCCA paid out for claims. Finally, this cost is passed on to all policyholders. In other words, the MCCA charge is your share of the cost for catastrophic injuries resulting from traffic accidents. To find out more details about the Michigan Catastrophic Claims Association, including financial data, visit: http://www.michigancatastrophic.com http://www.iiminfo.org/CONSUMERS/Aut...5/Default.aspx

Bottom line is that the insurer will not coordinate benefits resulting from an auto accident -- that is the auto insurer's claim -- that ended up costing me an extra $250 or so in the end.

Here it is why it is better for me to pay the $550 +-/yr to have the state fund pay the primary PIP

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3. If you have an HMO. HMOs can be very restrictive and can often result in delayed medical treatment. By electing primary medical PIP, you do not have to treat within the HMO and can substantially expedite your treatment and improve your choice of providers. 4. Important Warning about Medicare and Medicaid if you are injured in a car accident and have Michigan No-Fault insurance: If you have Medicare, Medicaid, Veterans Administration Benefits or any county health plan, you should have primary medical PIP on your auto No-Fault insurance. This helps to avoid the ?super liens? that providers of government benefits may otherwise have against your automobile negligence case (the case for your personal injuries and pain and suffering that you would bring against the person who has caused your accident). http://www.hg.org/article.asp?id=19025

I'll have to look into it at the end of the year when the HMO/PPO ? policy expires. Blue Cross/Blue Sheild was $2,000+- more a year -- this addone PIP primary ended up costing $250 or $1,700 or so less -- so I am ahead of the game (I guess paying less for ?)