How we coordinate Blue Care Network
health coverage with your car or
motorcycle insurer
Car insurance
Every no-fault car insurance policy in Michigan must include personal injury protection for
the policy holder and all family members when they’re injured:
• In their car
• In someone else’s car
• While performing maintenance on a car
• While loading or unloading a car
• By a car while walking or standing
Health plan coverage
Blue Care Network must cover medical services resulting from car injuries and generally
pays before your car insurer.
There are some exceptions to this rule:
• Some large employer groups provide health coverage under a benefit plan that’s governed
by federal law (ERISA). These groups can decide how to handle car-related injuries.
For example, they could choose to pay first or second — or even exclude coverage for
car-related injuries.
• Medicare requires that your car insurer pay first for car-related injuries.
• Medicaid requires that your car insurer pay first for car-related injuries.
Car insurance and health insurance
Car insurers offer two types of personal injury protection plans:
• Coordinated policy — The car insurer coordinates care with the medical insurer. The
car insurer may pay first or second, depending on the person’s medical insurance.
• Noncoordinated, or full medical, policy — The car insurer pays first for medical
services, before any medical insurance the injured person might have.
What this means to you
Your car insurer may require you to purchase a noncoordinated or full medical policy
because:
• You’re covered by a health insurance plan that excludes coverage for car-related injuries.
• Your health insurance plan only pays after your car insurer pays.
If your car insurer wants to know how your health insurance coordinates with your car
insurance, call Customer Service for the information you need.
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BCN AdvantageSM is an HMO and HMO-POS plan with a
Medicare contract. Enrollment in BCN Advantage depends
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Motorcycle insurance
Motorcycle-related injuries are handled according to these rules:
• If you’re injured by a car while riding a motorcycle, the car insurer pays first for any medical services
resulting from the accident.
• If you’re injured while riding your motorcycle and there’s no car involved, your motorcycle insurer pays
first for medical services. Exceptions: Your motorcycle insurance does not include medical coverage,
or you have reached the maximum amount of medical coverage under your plan.
According to Michigan law, anyone who rides a motorcycle without a helmet must purchase medical
coverage through their motorcycle insurance plan.
Michigan nondiscrimination short notice for significant publications and significant
Michigan
nondiscrimination
short notice for significant publications and significant
communications
that are small-size.
For your
information
communications
that are
small-size.
This fact sheet provides
general
information about health, car or motorcycle insurance. It’s not meant to
The
shortened
non-discrimination
is for Michigan tri-fold brochures and
substitute for legal advice or for your statement
coverage certificate.
The shortened non-discrimination statement is for Michigan tri-fold brochures and
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Blue Cross Blue Shield of Michigan complies with applicable federal civil rights laws and does not
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Taglines are in Spanish and Arabic for Michigan tri-fold brochures and postcards.
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ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística.
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‫ ﻓﺈن ﺧدﻣﺎت اﻟﻣﺳﺎﻋدة اﻟﻠﻐوﯾﺔ ﻣﺗوﻓرة ﻟك ﺑﺎﻟﻣﺟﺎن‬،‫ إذا ﻛﻧت ﺗﺗﺣدث اﻟﻌرﺑﯾﺔ‬:
‫ﻣﻠﺣوظﺔ‬
.‫ﻟك ﺑﺎﻟﻣﺟﺎن‬
‫ﻛﻧت‬
.
‫ﻣﺗوﻓرةﺑﻚ‬
‫اﻟﻠﻐوﯾﺔﻟﺨﺎﺻﺔ‬
‫اﻟﻣﺳﺎﻋدةﻀﻮﯾﺔ ا‬
‫ﺧدﻣﺎتﻟﺒﻄﺎﻗﺔ اﻟﻌ‬
‫ﻓﺈن اﻟﺨﻠﻔﯿﺔ‬
‫ﺠﮭﺔ‬،‫اﻟﻌرﺑﯾﺔ‬
‫ﺗﺗﺣدثﺮ ﻋﻠﻰ اﻟ‬
‫ﻒ اﻟﻈﺎھ‬
‫ﻗﻢإذااﻟﮭﺎﺗ‬:‫ﻣﻠﺣوظﺔﺮ‬
‫اﺗﺼﻞ ﺑ‬
.‫اﺗﺼﻞ ﺑﺮﻗﻢ اﻟﮭﺎﺗﻒ اﻟﻈﺎھﺮ ﻋﻠﻰ اﻟﺠﮭﺔ اﻟﺨﻠﻔﯿﺔ ﻟﺒﻄﺎﻗﺔ اﻟﻌﻀﻮﯾﺔ اﻟﺨﺎﺻﺔ ﺑﻚ‬
Blue Care Network of Michigan is a nonprofit corporation and independent
licensee of the Blue Cross and Blue Shield Association.
CF 13364 FEB 17
R065819