Urgent Action Needed: No Repeal Without Replacement

We are asking you to contact your federal lawmakers and urge them not to repeal the Affordable Care Act (ACA) without a comprehensive replacement plan. Congress is currently putting forth legislation to repeal the ACA. This is not about political affiliations, but about healthcare coverage continuity for millions of Americans. Any repeal of the ACA without a plan to take its place will negatively affect hundreds of thousands of Michigan residents and millions of Americans. It’s wrong for America and it’s wrong for Michigan.

Here’s why:

  • An immediate repeal would affect roughly 1-in-10 people in Michigan, disproportionately impacting less well-off districts. Without agreement on an immediate replacement, repeal could leave those dependent on ACA for health coverage completely uninsured.
  • ACA repeal without a robust replacement plan could also increase the cost of coverage as younger and healthier Michigan residents opt out of health insurance, further burdening the State to cover those older or with chronic conditions. Furthermore, ACA repeal without a substantive replacement means those with pre-existing conditions will either be denied coverage or face far higher costs for basic coverage. This would affect around 28% of Michigan residents. Michigan citizens should not be forced to choose between their health and bankruptcy.
  • Because the ACA allows children to stay on their parents’ health insurance until they reach age 26, repeal could eliminate coverage for nearly 73,000 young adults in Michigan age 18-26.
  • In Michigan, the Medicaid expansion has had a positive effect on the state’s economy and more than paid for itself. According to a study published by the University of Michigan in the New England Journal of Medicine, nearly 30,000 new jobs were created every year with 85% of them in the private sector and one-third in a healthcare field. Repealing the ACA without a replacement plan in place would undo all of this and could cost Michigan over 100,000 jobs.
  • Seniors and people with disabilities rely on Medicaid for long-term services an d Cuts, block grants, or per capita cap proposals would hurt these people, who have no other means of paying for the care they need.

Call your U.S. Representative at: (202)225-3121 Call Senator Stabenow at: (202) 224-4822

Call Senator Peters at: (202) 224-6221

Use Engage to email your lawmakers using the sample message:

  1. Go to our Engage site (http://cqrcengage.com/biami/home)
  2. Send the featured letter that’s posted by pressing Take Action
  3. Fill in your information, and add personal details if you would like

Thank you for your immediate attention to this urgent matter.

CPAN Executive Committee Expels MHA

Lansing, Mich., January 3, 2017 – The Executive Committee of the Coalition Protecting Auto No-Fault (CPAN) voted to remove The Michigan Health and Hospital Association (MHA) from the organization. The vote was held shortly after the close of the 2016 lame duck session of the Michigan State Legislature and officially announced December 21, 2106. The vote to expel is a result of MHA collaborating with the auto insurance industry on reforms to auto no-fault that would have capped benefits for uninsured children, seniors. bicyclists. and pedestrians; cut family-provided attendant care for catastrophically injured accident victims; and created an unbalanced fraud authority funded by the auto insurance industry.

CPAN was created in 2003 solely for protecting the Michigan Auto No-Fault Law as ii was originally designed and to preserve its promise that all injured auto accident victims would be guaranteed coverage for all necessary medical and rehabilitation expenses for as long as they are deemed necessary, up to and including the life of the victim. The Brain Injury Association of Michigan (BIAMI) has been a staunch supporter and member of CPAN from the beginning.

“When it was first created, CPAN adopted a Statement of Principles to further define its objectives and the membership commitment that would be required of all persons and organizations who sought to join the Coalition. During the last several weeks of the lame duck legislative session, the Michigan Health and Hospital Association violated those principles and breached that commitment by actively supporting and vigorously pursuing legislation that would have stripped thousands of

seriously injured accident victims of their lifetime coverage. Legislation such as this is exactly what CPAN was created to vigorously oppose CPAN has an abiding obligation to its membership to act decisively to demonstrate that it will remain true to its principles and its mission. That is why the actions of the Michigan Health and Hospital Association cannot be ignored,” said Cornack.

While MHA’s membership in CPAN has ended, CPAN’s Executive Committee stated it would be willing to work with MHA on any auto no-fault proposals that were not inconsistent with CPAN goals and objectives.

“If anything, what happened during this lame duck session has galvanized CPAN’s membership to stay strongly united in its common commitment to find fair, long-term solutions to improving Michigan’s auto no-fault insurance system so that lifetime coverage for severely injured patients is not jeopardized,” said Cornack. He also stated that CPAN hopes MHA will take this as an opportunity to re-commit itself to the patients served by the no-fault system and act in their best interest to protect and improve this critical health care system.


About the Brain Injury Association of Michigan

BIAMI is dedicated to improving the lives of those affected by brain injury while reducing the incidence and impact of brain injury through education, advocacy, support, treatment services, and research. Founded in 1981, the Brighton, Mich.­ based BIAMI serves Michigan’s brain injury community through comprehensive education and prevention programs. The BIAMI is the primary conduit between survivors and an extensive network of facilities, programs, and professionals in the state of Michigan, which is nationally recognized as a center of excellence in brain injury treatment and rehabilitative care. The BIAMI also supports 20 statewide chapters and support groups that meet monthly. For more information, visit www.biami.org or call the toll-free helpline at (800) 444-6443.

Auto No-Fault Alert

A $400,000 cap auto injury benefits will shift millions of dollars in insurance industry costs onto taxpayers

Severe auto injuries can cost hundreds of thousands in the first week alone. Just because the injury benefit is capped doesn’t mean the need for care will go away. Studies have shown capping injury benefits will shift millions of dollars in costs from insurance providers onto taxpayers.  Eventually, our most seriously injured will end up on government-funded programs like Medicaid.

Cuts to attendant provided care will harm Michigan’s most seriously injured accident victims

The family -provided attendant model is cost-effective and allows an injured person to receive care from those who know and care about that person the most. The hourly rate cap will cause many families to hire commercial nursing care, which is significantly more expensive for the no-fault insurers than paying family or household members to provide care.

Catastrophically injured people often require 24 hours a day attendant care and cumulative total amount of daily care beyond24 hours. Under this bill, care will be capped at 56 hours per week, or 8 hours per day! The only way these injured people can receive payment for attendant care is by going through the undefined and unexplained “medical review” process, which creates uncertainty regarding whether they will be able to receive the amount of care that they require.

This bill creates a biased and weak Fraud Authority

While reducing fraud is an important, we need a balanced fraud authority. Insurance companies regularly and knowingly deny legitimate insurance claims. Michigan needs a balanced fraud authority with representation from the health care provider community. In addition, the Fraud Authority proposed in the bill has no actual power. We need a Fraud Authority to conduct true criminal investigations regarding actual acts of fraud.

This bill puts insurance company profits over actual people

Nothing in this bill guarantees reduced rates for drivers. These changes are only benefiting auto insurance companies’ bottom lines at the expense of accident survivors and health care providers.

Contact your legislators today and tell them to vote against this bill!

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