What is the difference between the Personal Injury Protection (PIP) medical exclusion (Option 4) and the PIP medical opt out (Option 6)?

The limited coverage option of $250,000 with exclusions (Option 4) allows some or all persons to exclude PIP medical under their policy. Anyone who is excluded will have no PIP medical coverage. Anyone who is not excluded will have $250,000 in PIP medical coverage. For a named insured who wants to exclude under this option, they must have Qualified Health Coverage that is not Medicare. For any resident relative or spouse who wants to exclude PIP medical under this option, they must have Qualified Health Coverage.

The limited coverage option of $250,000 with exclusions is a separate option from the Medicare opt out (Option 6). The $250,000 option with exclusions allows some or all covered individuals to exclude PIP medical coverage. Under the Medicare opt-out option, none of the covered individuals will have PIP medical coverage. To choose this option, the named insured must have Medicare Parts A and B and any resident relative or spouse must have Qualified Health coverage or PIP medical coverage under another Michigan auto policy.