How our department monitors insurance market practices
Insurance Company Contract and Rate Filings
DIFS Prohibition Orders for Consumer Finance and Credit Union.
Licensing - Consumer Finance and Mortgage
Consumer Finance and Mortgage Forms
BIDCO and Anti-Redlining Forms.
Statutes, Rules and Regulations
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As Michigan residents and businesses continue to mitigate 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.
Health Insurance
If you've recently lost your employer group health insurance, you may be eligible for a special enrollment period. For additional information, visit Michigan.gov/HealthInsurance 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 LocalHelp.HealthCare.gov.
COVID-19 Funeral Assistance
FEMA has recently implemented its COVID-19 Funeral Assistance program to help ease some of the financial stress and burden caused by the pandemic. The COVID-19 Funeral Assistance program will help with funeral and burial expenses that many families did not anticipate. For more information on how to apply for assistance, please visit the FEMA COVID-19 Funeral Assistance webpage or call 844-684-6333 | TTY: 800-462-7585, Monday to Friday 9 a.m. to 9 p.m. Eastern Time.
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. 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.
As people spend more time on their phones and computers for home, work, shopping and entertainment, cyber criminals are taking advantage. They may use your extra screen time and time at home as an opportunity. Protect yourself by being aware of different types of scams.
COVID-19 Workplace Safety Guidance
Department of Labor and Economic Opportunity COVID-19 Workplace Safety
DIFS Consumer Services
If you have questions or disputes you cannot resolve directly with your financial institution, DIFS is here to help. Contact DIFS Monday through Friday 8 a.m. to 5 p.m. at 877-999-6442, DIFScomplaints@michigan.gov, or file a complaint.
Bulletin 2020-40-INS
Temporary Producer Licenses
