Help! I Just Moved to Michigan!

So...you just moved to Michigan, and everything seems new and unfamiliar. Your old insurance doesn't work here, and you don't know what to do.

Welcome to the Great Lakes State!

Lake Michigan, photo by Meredith Buhalis

Lake Michigan, photo by Meredith Buhalis

What Was Your Coverage?

You cannot have Medicaid in two states at once, so if you had Medicaid in your old state, cancel that first, before applying for Medicaid here. 

Did you have employer insurance? Will you have the same employer? (If so, check with Human Resources to see if your plan changes.) Will you have a different employer? 

Are you in a period of flux? You may want to see our post on Annual vs. Monthly Income.

Were you self-employed? Will you continue to be self-employed?

Did you have a Marketplace plan? Plans differ by state, so you will probably need to choose a new one.  

Were you in a state that did not expand Medicaid? Michigan did expand Medicaid, and you may be eligible for Medicaid here.

Did you move from out of the country? If you need to, cancel your insurance from the other country.

What Will Be Your Coverage? 

Whether you have a Marketplace plan or an employer plan, moving itself creates a Special Enrollment Period. For employers, that will be one month; for the Marketplace, two months.

 

The key thing is: Don't delay reporting your change in location!

 

 

It's As Easy As 1, 2, 3!

  1. Report changes to your old insurance--cancel Medicaid or private insurance; talk to your employer.
  2. Assess your eligibility now. Your circumstances may have changed. See our posts on Employer, Marketplace, and Medicaid insurance.
  3. Enroll in new coverage if necessary. DON'T MISS the Special Enrollment Periods! Time may be short!

If you have questions, we can help.  Call the Washtenaw Health Plan at (734)544-3030 or find help in another part of the state here

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