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Temporary High Risk Pool
As part of the 2010 Patient Protection and Affordable Care Act, the state of Michigan is offering a Temporary High Risk Pool for uninsured people with pre-existing conditions. The federal government will provide sliding scale subsidies for persons with low income. This plan offers coverage to uninsured Michigan citizens who have been unable to obtain health coverage because of a pre-existing health condition. Coverage will be offered through Michigan-based HMO Physicians Health Plan of Mid-Michigan (PHP). PHP has contracted directly with the U.S. Department of Health and Human Services (HHS) to administer this program.
Information for Consumers:
Michigan residents with pre-existing conditions who have been uninsured for the previous six months will be eligible to enroll. Consumers interested in this program need to provide the following documentation:
- Proof of U.S. citizenship (i.e. birth certificate) and Michigan residency (i.e. state driver’s license).
- Certification by a physician (i.e. doctor’s letter), issued within the past six months, demonstrating that the individual suffers from a medical condition found in the pool’s list of pre-existing conditions, OR
- Evidence that, for health reasons, a carrier has refused to issue coverage to the individual within the previous six months (i.e. health insurance company denial letter).
For a list of the pool’s pre-existing conditions, visit: http://www.michigan.gov/documents/dleg/Pre-Ex_330602_7.pdf
Michigan consumers interested in detailed enrollment, benefit and eligibility information should contact PHP weekdays from 9:00 am – 5:00 pm EST at 877-459-3113 or www.hipmichigan.com .
The available dollars for the program will not be sufficient to meet all of Michigan’s qualified citizens. It would be prudent to get your name on the list early. The pool will end in 2014 when the Insurance Exchanges with subsidized coverages for persons with low incomes become available.