Currently Blue Cross and Blue Shield of Michigan already accept all individuals without regard to pre-existing conditions. Since BCBS is the only company in Michigan to accept all applicants-business was bad for business. In response, the lack of competition for BCBS and uninsured numbers high, state legislators are trying to reform health insurance companies throughout the state.
Senator Tom George believes that changes in Michigan are required in addition to the new legislation as Detroit Free Press . George said, "We have 1.3 million people without health insurance. We also have a very unhealthy population. And costs of health care consume budgets of many of our businesses, local governments and the state government. There are many things we can do to make insurance more affordable and more available to make healthier Michiganders. "
The overhaul plan Michigan insurance companies includes:
- All insurance companies will pay in a catastrophic health coverage plan to cover medical claims $ 800,000 to $ 80,000.
- a council of state will design a health insurance plan all insurers will have to offer to consumers.
- Blue Cross and Blue Shield will create a $ 0 million separate funds, which pay the costs of health care for residents with incomes below 300 percent of the federal poverty level.
- the state will have more control over rates insurance.
- insurance companies will be allowed to examine the use history to determine rates.
State legislatures will review the plan during spring break. what whether or not this will create fairer competition for businesses, reduce the number of uninsured and reduce costs of health care will play out over time.
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