Tagged: insurance

Federal officials are trying to talk Michigan political leaders out of repealing the state's motorcycle helmet law. Members of the National Transportation Safety Board are in Lansing today to meet with Governor Snyder's administration.

Insurance groups are also getting involved. Laurie Conarton is with the Insurance Institute of Michigan. She says more people will be injured or die if the law is repealed:

"After Florida repealed their helmet law, there were 81% more fatalities and 80% more closed head injuries."

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.

Last January, the Michigan Civil Service Commission approved domestic partner benefits for state employees. The benefits were scheduled to go into effect on October 1st.

The ruling went against the Snyder administration's wishes, and the state legislature has been working to overturn the ruling. The State Senate passed a resolution against the domestic partner benefit ruling earlier this month.

Today, the State House is expected to vote on a resolution which would overrule the MCSC's January decision.

Todd Heywood wrote about the resolution in today's Michigan Messenger:

If the House approves the measure, it will be the first time in the history of the MCSC that a decision by the body was overturned by the legislature. Republicans are also seeking a ballot initiative to remove the MCSC from the state constitution, and in the meantime has been working to strip the body of much of its power.

Heywood reports "the House currently has a 63 member GOP majority. But approving this resolution requires a two-thirds super majority, which means 74 votes, so 11 Democrats need to cross party lines in order for the bill to pass."

As MPRN's Rick Pluta reported, the Snyder administration said it objected to MCSC's decision because of the cost - estimated at around $6 million.

The rules were expected to cover 70% of all state employees. Their unmarried partners and dependents who have lived with them for a year or more would be eligible for the benefits. The eligibility is the equal for gay and heterosexual couples.

The benefits had to be equally available to gay and heterosexual couples because 59% of Michigan voters passed a ban on same-sex marriage in 2004. The "defense of marriage amendment" is now part of the Michigan Constitution.

In one study, Michigan had the highest auto insurance rates in the nation. In another, Michigan ranked 11th in the nation.

That's according to a piece from Dawson Bell at the Detroit Free Press. Bell writes both studies cited "the state's unique mandate for unlimited coverage for personal injuries as a primary cause for high rates."

From the article:

Michigan auto insurance rates led the country -- $2,541 a year for a hypothetical 40-year-old man with a clean driving record -- in an annual survey released last week by the consumer insurance information site insure.com.

The Michigan rate jumped more than 21% from the same survey a year earlier, overtaking Louisiana, which topped the list last year.

Vermont, at $995 a year, was the cheapest place to buy auto insurance, the survey found.

The Michigan Senate has voted by a super-majority to reverse a state Civil Service Commission decision that would allow unmarried state employees to claim domestic partners on their health insurance.

Earlier this year, a state employment panel approved unmarried partner benefits that would include people in same-sex relationships and their dependents.

Republican state Senator Mark Jansen says the state can’t afford it – and voters have already spoken about domestic partner benefits by refusing to recognize same-sex marriages or civil unions.

“This is about economics. This is about our budget. This is about getting Michigan back on track."

But, Democratic state Senator Rebekah Warren says rejecting domestic partner benefits would hurt children.

“Families are always stronger when health insurance is accessible to everyone in the household.”

The measure now goes to the state House, where Republicans will have to muster a two-thirds majority vote to reverse the policy. Otherwise, state employees will be able to claim unmarried partners on their benefits starting October first.

Update 11:43 a.m.:

The state Civil Service Commission has approved agreements to allow state employees to put their live-in partners on their insurance plans, Rick Pluta reports.

The commission's action ratifies agreements that were worked out between Governor Jennifer Granholm's administration with two state employee unions and state workers who are not part of a union. The commission acted over the objections of Governor Rick Snyder's administration.

8:20 a.m.:

It’s expected that The Michigan Civil Service Commission will take up a measure today that would extend health insurance benefits to same-sex partners of state employees, The Detroit News reports. As the News explains:

An attempt to push through the change in the waning days of the Granholm administration failed when the commission tabled the issue in December. Now, the new administration of Gov. Rick Snyder is expected to tell the commission today the state can't afford the change — expected to cost close to $6 million a year…

The four-member commission is split on the issue, as are unions for state employees who are bracing for anticipated fights on wage and benefit issues viewed as higher priorities. Employee benefits for same-sex partners were negotiated in 2004, shortly before Michigan voters passed a ballot initiative that defined marriage as a union between a man and a woman.

The U.S. Department of Justice along with the Michigan Attorney General's office filed a lawsuit against Blue Cross Blue Shield of Michigan.

U.S. Department of Jusitice Assistant Attorney General Christine Varney Holds said:

New census data says 16.7% of Americans are without health insurance:

The number of people without health insurance coverage rose from 46.3 million in 2008 to 50.7 million in 2009

But starting today, that will change for many without coverage, including young adults and kids with pre-existing conditions.