MI Health Account (MIHA)Make MI Health Account Payment

Healthy Michigan Plan beneficiaries who enroll in a health plan will pay most cost-sharing through the MI Health Account. Cost-sharing for these beneficiaries includes co-pays and for some, MIHA fees. You will receive a MI Health Account Welcome letter once you have enrolled in a health plan. The Welcome letter will explain how the MI Health Account keeps track of health care costs, along with how co-pays and any MIHA fees are figured.

Sample Welcome Letter

What are the co-pays?

Not all services have co-pays, and not all people are required to pay copays. For example, services that help you get or stay healthy, like preventive services or certain services or medications that help you manage a chronic condition, have no co-pays. Also, some people don't have to pay co-pays, like those who are under age 21. The link below includes some information on what services and groups have no co-pays, and the co-pay amounts.

Healthy Michigan Plan Co-Pays

How do co-pays work with the MI Health Account?

Before you are enrolled in a health plan, you will pay any co-pays to the provider. Once you are enrolled in a health plan, if the service is covered by your health plan, you will pay those co-pays to the MI Health Account.

You will get a statement that shows how these amounts were figured and how much to pay each month.

Sample Healthy Michigan Plan Statement

Will I ever pay co-pays to my doctor's office or pharmacy?

Maybe. If you have services that are covered by fee-for-service but have a co-pay, your doctor or pharmacy may ask you to pay them when you have the service or fill your prescription.

What is a MI Health Account (MIHA) fee?

A MIHA fee is the amount of money that you pay toward your health care coverage. MIHA fees are based on your income and family size and will be listed on your Healthy Michigan Plan Statement.

How much could my MIHA fee be?

MIHA fees are figured based on your income and family information. Below are tables that show you what your MIHA fee might be. The MIHA fee amounts in the tables are just an estimate. Your Healthy Michigan Plan Statement will tell you exactly what you have to pay.

 

Household of 1

 

Average Monthly Income for Household of 1 1 Person with the Healthy Michigan Plan - Each Person Pays This Amount
$0 - 1,062 $0
$1,063 - 1,117 $21
$1,118 - 1,174 $22
$1,175 - 1,233 $23
$1,236 - 1,296 $25
$1,297 - 1,363 $26
$1,364 - 1,432 $27
$1,433 - 1,477 $29

 

Household of 2

 

Average Monthly Income for Household of 2 1 Person with the Healthy Michigan Plan - Each Person Pays This Amount 2 People with the Healthy Michigan Plan - Each Person Pays This Amount
$0 - 1,436 $0 $0
$1,437 - 1,509 $21.00 $14.00
$1,510 - 1,586 $22.00 $15.00
$1,587 - 1,667 $23.00 $16.00
$1,668 - 1,752 $25.00 $17.00
$1,753 - 1,841 $26.00 $17.00
$1,842 -1,935 $27.00 $18.00
$1,936 - 1,995 $29.00 $19.00

 

Household of 3

 

Average Monthly Income for Household of 3 1 Person with the Healthy Michigan Plan - Each Person Pays This Amount 2 People with the Healthy Michigan Plan - Each Person Pays This Amount 3 People with the Healthy Michigan Plan - Each Person Pays This Amount
$0 - 1,809 $0 $0 $0
$1,810 - 1,901 $21.00 $14.00 $12.00
$1,902 - 1,998 $22.00 $15.00 $12.00
$1,999 - 2,100 $23.00 $16.00 $13.00
$2,101 - 2,208 $25.00 $17.00 $14.00
$2,209 - 2,320 $26.00 $17.00 $15.00
$2,321 - 2,439 $27.00 $18.00 $15.00
$2,440 - 2,514 $29.00 $19.00 $16.00
 

The income amounts listed above are BEFORE taxes. If your situation is not shown above, call 1-800-642-3195 (TTY: 1-866-501-5656) for help.

How do I use the table?

First, identify how many people live in your household and look at the table for that number of people. On that table, find your household's monthly income before taxes (in the blue boxes on the left hand side). Next, find the column that shows how many people in your household have the Healthy Michigan Plan. Where those lines meet is an estimate of the MIHA fee amount for each person in your household with the Healthy Michigan Plan.

Example #1 - You live in a household with 2 other people (your two children). Your monthly income is $1700.00 before taxes. You are the only person in your household on the Healthy Michigan Plan. Therefore, your expected MIHA feeamount is $20.00 per month.

Example # 2 - You live in a household with 1 other adult. Your monthly household income is $1,500. Both of you are on the Healthy Michigan Plan. Therefore, each of you will expect to pay $15 per month in MIHA fees.

The MIHA fee amounts in the table are just an estimate. Your Healthy Michigan Plan Statement will tell you exactly what you have to pay.

If your situation is not shown above, or you have questions, call 1-800-642-3195 (TTY: 1-866-501-5656) for help.

Could I pay less in MIHA fees?

Certain people in the Healthy Michigan Plan do not have to pay MIHA fees at all, like pregnant women, people under 21, certain Native Americans and Alaska Natives, and people in hospice.

In addition, you can cut your MIHA fees in HALF by completing a Health Risk Assessment and agreeing to work on or keep up with healthy behaviors. Call your health plan to find out how.

The MIHA fee amounts in the table are just an estimate. Your Healthy Michigan Plan Statement will tell you exactly what you have to pay.

How is what I owe figured?

The following amounts will be added together to get the total amount you owe:

  • Any MIHA fees you owe for the next 3 months
  • Any co-pays for services shown in the statement
  • Any overdue amount from earlier statements

The total amount will be divided by 3 to figure out your monthly payments.

The Healthy Michigan Plan Statement will show you what you owe and how that amount was figured.

How do I pay what I owe?

The Healthy Michigan Plan Statement will tell you what you have to pay and how to pay it. You will be able to pay online and by mail.

Are there ways to reduce what I owe?

Yes. If you complete a Health Risk Assessment with your doctor and agree to work on getting healthy or stay healthy, you could earn a healthy behavior reward that may reduce what you owe. Contact your health plan to find out how.

What if I don't make my payments?

If you don't make your payments, you may have a penalty. For example, if you have a healthy behavior reward, you could lose it. Your information may also be sent to the Michigan Department of Treasury. They can take your overdue amount from your tax refund or future lottery winnings. Your doctor cannot refuse to see you because of an overdue amount.

Questions? Please call the Beneficiary Help Line at 1-800-642-3195 (TTY: 1-866-501-5656) for more information about the MI Health Account.