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Spring Arbor University’s health plan will take a secondary stance regarding auto-related medical claims.

SECONDARY: This means Spring Arbor University’s health plan will pay for covered medical claims after PIP. In the absence of PIP, the plan will pay medical benefits per the terms of the policy. It may not cover all medically-recommended services, with all providers, and it will not cover expenses related to assistance with the activities of daily living.

Please note: You have the option of waiving PIP completely if you are enrolled in Spring Arbor University’s health plan that has an annual deductible of less than $6,000 per covered person. If you do not have PIP, you may not have a source of income following an auto accident, in addition to coverage for services that are not a benefit under Spring Arbor University’s health plan.  Your health plan, GuideStone, will provide you a letter confirming qualifying health coverage upon request.  Please contact the Customer Solutions team at 1-844-467-4843 to request the letter.

Your auto insurance carrier may request a coordination of benefits statement. Please provide them with this language from the Legal Notices section of the 2022 SAU Benefits & Enrollment Guide, page 53.

MI No Fault and Auto Coordination
The medical plans offered by Spring Arbor University do meet the requirements to be considered qualified health coverage under the Michigan no-fault law. This is because the plans (1) do not exclude or limit coverage for injuries related to motor vehicle accidents; and (2) have an annual deductible of $6,579 or less per individual.
When coverage is “coordinated” between your auto policy and your employer-sponsored health plan, the health plan pays first for auto-related medical claims. The auto insurer will require you to provide documentation proving that your health plan will pay first, in order to elect coordinated coverage. As of January 1, 2022, SAU's group health plan is NOT considered 'coordinated' coverage, but this does not necessarily mean that other health coverage (i.e. spouse’s) is not ‘coordinated’. Be sure to ask the question and confirm this detail before you have a discussion with your auto insurer agent.
If coverage between the auto policy and the health plan is “uncoordinated,” then the PIP coverage will pay claims first. Spring Arbor University’s health plan is considered ‘uncoordinated’ and will take a secondary stance regarding auto- related medical claims.
SECONDARY: This means Spring Arbor University’s health plan will pay for covered medical claims only after auto PIP coverage. In the absence of PIP, the plan will pay medical benefits per the terms of the policy. It may not cover all medically-recommended services, with all providers, and it will not cover expenses related to assistance with the activities of daily living.