MSU Human Resources >> Benefits >> Healthcare >> Qualified Health Coverage (QHC)


Your auto insurance carrier may also request a coordination of benefits (COB) letter, which is different from a QHC.  Please contact your respective health insurance carrier to request a COB.  Blue Cross Blue Shield of Michigan will immediately send a secured email with the letter attached.

MSU employees’, retirees’, graduate assistants’ and students’ health plans meet the requirements to be considered qualified health coverage. MSU health plans do not exclude or limit coverage for injuries related to motor vehicle accidents. Health plans through MSU have an annual deductible of $6,579 or less per individual.

The basic no-fault auto policy has three parts: Personal Injury Protection (PIP); Property Protection Insurance (PPI) and Residual bodily injury and property damage liability. The PIP portion of your no-fault policy pays for medical costs if you are hurt in a motor vehicle accident. Keep in mind that Michigan No-Fault Personal Injury Protection (PIP) coverage pays for more than medical expenses — including things like attendant care, housing modifications, lost wages, etc. You should discuss PIP coverage and other motor vehicle coverage with your auto carrier or agent. 


Please consult with your automobile insurance carrier if you have any questions about the terms and coverage options of your no-fault policy. The university cannot answer questions about your no-fault automobile policy.

For Employees and Retirees

QHC documentation is required to reduce or opt out of Personal Injury Protection.  BOTH of the following documents must be submitted to your automobile insurance carrier.


Page 1 - 2024 QHC Letter (will not qualify if submitted alone)

Page 2 - A copy of your Benefits Summary from EBS.  

Current Benefits Participation image from EBS Click on the Current Benefits Participation

download arrow image - Click on download arrow found at the bottom of the next page.

For Graduate Assistants

Please contact the HR Solutions Center at to confirm credible coverage.

For Students

Please contact Blue Care Network of Michigan at (800) 287-4103 to confirm credible coverage.