{"data":{"id":"us-mi/mich.-comp.-laws-550.1410a","jurisdiction":"us-mi","citation":"Mich. Comp. Laws § 550.1410a","heading":"Provisions of group certificate; electing coverage under group conversion certificate; notice of conversion privilege; requirements of group conversion certificate; premium; issuance; compliance.","body":"Sec. 410a.\n\nA group certificate that is issued or renewed in this state after December 31, 1990 shall include provisions consistent with this section.\n\nIf an individual subscriber has been continuously covered under a group certificate for at least 3 months immediately prior to termination, the individual subscriber and his or her covered spouse and dependents may elect coverage under a group conversion certificate upon termination. As used in this section, termination includes, but is not limited to, the following:\n\nDiscontinuance of a group certificate in its entirety or with respect to a covered class.\n\nLoss of coverage due to voluntary or involuntary termination of employment except for termination of employment because of gross misconduct.\n\nFor a surviving spouse or dependent, death of an individual subscriber covered under a group certificate.\n\nAn event that causes a person, who is a spouse or dependent of an individual subscriber at the time of the event, to cease to be a qualified family member under a group certificate.\n\nCoverage under a group conversion certificate shall take effect immediately upon the termination of coverage under the group certificate.\n\nNotification of the conversion privilege shall be included in each certificate of coverage.\n\nA master certificate holder shall give written notice to an individual subscriber of the option to elect a group conversion certificate within 14 days after the occurrence of subsection (2)(a) or (b).\n\nAn individual subscriber shall notify the health care corporation of his or her election to convert to a group conversion certificate not later than 30 days after termination of coverage. The first premium shall be paid to the health care corporation at the time the individual elects to convert to a group conversion certificate.\n\nA group conversion certificate under this section:\n\nShall be issued without evidence of insurability.\n\nShall not use conditions pertaining to health as a basis for classification.\n\nShall not exclude a preexisting condition that is not excluded by the group certificate solely because it is a preexisting condition.\n\nMay provide that benefits may be reduced by the amount of benefits paid for a specific covered service pursuant to the group certificate that has been terminated.\n\nThe premium for a group conversion certificate under this section shall be determined using the aggregate experience for all such certificates issued in this state by the health care corporation and in accordance with premium rates applicable to the age, class of risk, and the type and amount of coverage provided. The experience of an individual under a group conversion certificate shall not be an acceptable basis for establishing that individual's rate for his or her group conversion certificate.\n\nA health care corporation is not required to issue a group conversion certificate under this section if any of the following circumstances apply:\n\nThe individual is covered for similar benefits and to a similar extent by another expense-incurred hospital, medical, surgical, or sick-care insurance policy or certificate, hospital or medical service subscriber contract, medical practice or other prepayment plan, or other expense-incurred plan or program.\n\nThe individual is covered under title XVIII of the social security act, chapter 531, 49 Stat. 620, 42 U.S.C. 1395 to 1395b, 1395b-2, 1395c to 1395i, 1395i-1a to 1395i-3, 1395j to 1395dd, 1395ff to 1395mm, and 1395oo to 1395ccc.\n\nIf termination of an individual's coverage under a group certificate occurred because of any of the following:\n\nThe individual failed to pay any required contribution.\n\nDiscontinued group coverage was replaced by group coverage.\n\nThe individual acted to defraud the health care corporation.\n\nA group conversion certificate under this section delivered outside this state for a group certificate that was issued and delivered in this state shall comply with this section.\nccurred because of any of the following:\n\nThe individual failed to pay any required contribution.\n\nDiscontinued group coverage was replaced by group coverage.\n\nThe individual acted to defraud the health care corporation.\n\nA group conversion certificate under this section delivered outside this state for a group certificate that was issued and delivered in this state shall comply with this section.","path":["MI Code","Chapter 550","Act Act-350-of-1980"],"source_url":"https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-550-1410a","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:31Z","sha256":"eadaff4b1298f75cba869fab51423e4c603b80d617eb7b7995a2aefdf222515a","source_id":"us-mi","stale":false,"prev":"us-mi/mich.-comp.-laws-550.1410","next":"us-mi/mich.-comp.-laws-550.1410b"},"notice":"GroundRules: Original legal text. Not legal advice."}