PLMImedium
A Michigan named insured wishes to fully opt out of PIP medical coverage. Which combination of facts allows that election under MCL 500.3107d?
AThe insured is Medicaid-enrolled with no household residents
BThe insured is enrolled in Medicare Parts A and C, and the insured's spouse and resident relatives each have qualified health coverage that covers auto-related injuries
CThe insured signs an opt-out form regardless of any other coverage
The insured is enrolled in Medicare Parts A and B, and the insured's spouse and resident relatives each have qualified health coverage that covers auto-related injuries
Why this is the answer
MCL 500.3107d permits a complete PIP opt-out only when the named insured is enrolled in both Medicare Part A and Part B and every spouse and resident relative has qualified health coverage that does not exclude or limit auto-injury treatment. The insurer must verify Medicare enrollment and obtain a written election.
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