When do I need to collect a Qualified Health Coverage (QHC) letter or Medicare/Medicaid documentation?

Auto insurers, directly or through their producers, should collect a QHC letter and, if applicable, Medicare or Medicaid documentation not only when a customer first applies for coverage, but also at every renewal when a customer is relying on QHC, Medicare, or Medicaid to make a PIP medical coverage selection under PIP medical selection Options 4, 5, or 6. A QHC letter cannot be required to provide a customer a quote for any of the PIP medical selection options. Please see Bulletin 2020-33-INS for more information.

Enrollment in U.S. Department of Veterans Affairs benefits does not qualify as QHC. Please see Bulletin 2020-47-INS for more information.