The Healthy Michigan Plan enrollment launched April 1

If your income falls within 100 – 133 percent of the federal poverty line and you are a single individual between the ages of 19 and 64, you may qualify for this special health insurance plan through the State of Michigan.

The new Michigan’s Healthy Plan launched its enrollment April 1, 2014. The Healthy Michigan Plan is an expansion of Michigan’s Medicaid program. This plan will provide health care coverage for many low income uninsured Michigan residents. Individuals between the ages of 19 and 64 who are currently uninsured who have incomes between 100 and 133 percent of the federal poverty level will be eligible for the Healthy Michigan Plan.

There is some cost to the participants. After the first six months of coverage, copayments will be assessed for certain services including $2 for a doctor visit, $1 or $3 for prescriptions, and $3 for dental services. There will not be any copays for preventive services or emergency services. Copays may be waived for participants trying to manage a chronic disease like diabetes or to prevent further complications according to the Michigan League for Public Policy, March 2014 newsletter. Healthy behaviors, yet to be defined by the State of Michigan will be rewarded by reducing the amount of copayments required.

Per the Michigan League of Public Policy, individuals between 100 and 133 percent of the federal poverty level will be required to make an income-based contribution to a Michigan Health Account. This amount will equate to two percent of the annual income, and must be contributed to on a monthly basis beginning the seventh month of enrollment. Contributions can be made to the account by the enrollee, family member, employer or charitable organization. Consequences for not making copayments or Health Account payments by enrollees have not yet been determined; however, the federal government has stated that no person will be terminated from the program for failure to make payments. Copayments and Health Account payments will be made to the Healthy Michigan Plan and not at the time of service. The amounts will be based upon the prior six month’s service usage.

Enrollment for the Healthy Michigan Plan began on April 1. There are three ways to apply. One can go online to to apply directly through the internet. This will likely be the fastest way to apply. One can also use the telephone and apply by calling 1-855-789-5610. The third way would be to pick up a paper application at your local Department of Human Services and fill it out and send it in to the indicated address. Applying by mail will be the slowest way of making an application. People are encouraged to apply online or by telephone. There is no end date to enroll in the Healthy Michigan Plan so consumers can go to the website at any time they feel they would qualify for coverage.

Michigan State University Extension continues to provide health insurance information and education through the Affordable Care Act Roadmap

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