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.

What are the rate restrictions? Insurance providers, with the exception of Blue Cross Blue Shield of Michigan's individual policies, do NOT have any rate restrictions.

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).

Are elimination riders legal during open-enrollment period? Although elimination riders are not permissible, Blue Cross Blue Shield of Michigan is required to guarantee coverage, which includes HIPAA (Health Insurance Portability and Accountability Act) eligible individuals, as well.

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.

Are preexisting condition requirements applicable for obtaining coverage? There is a 6-month look-back coupled with an exclusionary period limit for preexisting medical conditions, which applies to both Blue Cross Blue Shield of Michigan and for HMOs. As for individual medical coverage, other Michigan Health insurance, providers must adhere to a 6-month look-back as well as a 12-month exclusionary period limitation on preexisting medical conditions.

Is there an online source for consumers, who are in quest of health insurance quotes, to obtain hassle free medical coverage information? Any insurance representative, who charges consumers for Michigan health insurance quotes, is breaking the law.

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

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