Open enrollment is a time when many people are reviewing their health insurance options, whether that means choosing a new plan, switching carriers or adjusting their current coverage. While you’re focused on deductibles, premiums and provider networks, there’s another piece of your insurance picture worth reviewing: your auto policy.
Your health insurance and auto insurance can both play a role when it comes to medical expenses resulting from an auto accident. How those coverages work together can depend on your health plan and the Personal Injury Protection (PIP) selections on your auto policy.
What is PIP? Personal Injury Protection (PIP) is coverage within your auto insurance policy that can help pay for medical expenses. Michigan does not require everyone to carry the same PIP medical limit. Drivers can select a level of PIP medical coverage.
That’s why a change in health insurance is a good reason to check in with your insurance agent. Rather than assuming your coverage still works the way you expect, we can help you review your current health plan and auto policy together.
If any of these apply to you, reach out to us!
You switched health insurance carriers.
You enrolled in a new employer-sponsored health plan.
Your spouse changed jobs or health plans.
You added or removed someone from your health insurance.
Your health plan's coverage or benefits changed during open enrollment.
You're unsure whether your health insurance coordinates with your auto coverage.
Justin Goushaw is a trusted Farm Bureau Insurance agent based in Rockford, MI. At the Justin Goushaw Agency, located at 118 Courtland St. Rockford MI 49341, he specializes in comprehensive Home, Auto, Life, and Farm insurance solutions. With a focus on personalized service and community involvement.