Information relating to Insurance and Financial Services
  • Covid-19 Consumer Alert

    Information on the Coronavirus (COVID-19) is changing rapidly.  Information below may be updated frequently.

    As Michigan residents and businesses implement the measures outlined in Governor Whitmer’s Executive Orders aimed at mitigating the spread of the COVID-19 virus, questions may arise as to how insurance and financial services may be impacted. The information below will aid consumers and industry professionals in addressing these concerns.

Consumer Health Insurance

  • Consumer Health Insurance

    Health Insurance

    If you’ve recently lost your employer group health insurance due to the COVID-19 pandemic, you may be eligible for a special enrollment period. For additional information, visit DIFS’ Health Insurance Consumer Assistance Program (HICAP) website at or call 877-999-6442.


    If you need help with purchasing health insurance, a federally-trained assister can provide free enrollment assistance for Health Insurance Marketplace plans. To find assistance in your area, visit

    Consumers enrolled in a fully-insured health plan may be eligible for expanded COVID-19 coverage such as:

    • No cost for medically necessary diagnostic testing or treatment of COVID-19
    • Increased access to prescriptions
    • Prior authorization waivers
    • Expanded access to telehealth services

    For more information on the benefits offered under your health plan, contact your insurer directly.

    Patient's Right to Independent Review Act (PRIRA)

    DIFS processes requests for external review of adverse determinations made by health insurance companies. Consumers may file a request for external review under PRIRA or may file this form with the department. DIFS is continuing to process these requests as usual during the COVID-19 emergency. Consumers with an urgent request may be eligible for an expedited review of their request.

    Telehealth Coverage

    Most health insurance policies regulated under Michigan law are required to cover health services provided by telemedicine, including services provided by interactive audio or video, including by telephone.

    Coverage for telehealth benefits have been expanded for Medicare and Medicaid recipients.

Identifying and Avoiding COVID-19 Scams

  • Identifying and Avoiding COVID-19 Scams

    During this time of social distancing, people spend more time on their phones and computers for home, work, shopping and entertainment. Cyber criminals take advantage of widespread fear, panic and worry. They may use your extra screen time and time at home as an opportunity. Protect yourself by being aware of different types of scams.

    National Association of Insurance Commissioners

    Michigan Attorney General

Information for the Insurance and Financial Services Industries

Consumer Assistance

  • Consumer Assistance

    DIFS Consumer Services

    DIFS is working hard to make sure that staff is available to answer questions and respond to complaints in a timely manner.  As always, if you have questions or disputes you cannot resolve directly with your financial institution, DIFS is here to help.  Contact DIFS at: 877-999-6442,, or file a complaint.

Executive Orders


Press Releases

General Information