Are there any exceptions to BCBSMs preexisting exclusion?
• Had at least 18 months of coverage with no more than a 62-day break. Coverage may include group health plans, individual health insurance, Medicare, Medicaid, public health plans, military or federal benefit programs, Indian Health Service, or other health plans. Freestanding benefit programs, such as dental and vision coverage, cannot be counted as prior health care coverage • Had the most recent health coverage through an employer group policy. Enrollment in Associations and Chambers, one-subscriber groups and sole proprietorships is considered individual coverage, not group. • Are a Michigan resident • Do not currently have health coverage from Medicare, Medicaid or any other health insurance carrier • Did not have your last coverage terminated due to premium nonpayment or fraud The member will not have to meet the 180-day preexisting exclusion period if he or she: • Meets all the criteria listed above • Presents a “certificate of coverage” as proof of prior coverage, including CO
