Medicine
5:37 pm
Mon April 18, 2011

New health insurance options for people with preexisting conditions

People with pre-existing medical conditions now have the option of paying lower premiums and higher deductibles if they enroll with Michigan’s Health Insurance Program.

State officials are trying to get more people to take advantage of the program that is a precursor to national health care reforms taking effect in 2014.

Eric Schneidewind, president of the Michigan chapter of AARP, says only a few hundred people have enrolled with the program so far.

“I think it’s a new program, for one thing, and they just don’t know it exists. And so they aren’t aware of it, they haven’t taken advantage of it, and so it’s really potentially a very good deal for a person who has a chronic condition of health—bad health.”

Schneidewind hopes offering the lower premium and higher deductible will encourage thousands of people to enroll. He says hundreds-of-thousands of people in Michigan are eligible.

"I’ve run across members who have tragic stories about themselves or their children who really probably died prematurely because they couldn’t get adequate health care for a chronic condition. What I’m telling our members at AARP and elsewhere, there now is an option, it is affordable."

The health care company that runs the pool recently got federal approval for a plan to bring down rates that can still be hundreds of dollars a month. The new plan allows people with preexisting conditions to pay higher deductibles and lower premiums than were previously offered.

Michigan is one of a group of states suing the federal government to opt out of national health care reform.