“Many of the people who need help have not had access to health insurance in the past, and need help understanding how the insurance works, how to compare different insurance plans, and/or how to deal with the bureaucracies in the individual insurance market and Medicaid,” Teets said. “I have also helped a number of higher income people who want expert, impartial advice.”
Teets said that Enroll Michigan has done an excellent job of acquiring funding to support organizations that provide Navigators. He believes the ACA is a significant improvement over the prior individual insurance landscape, and that the Healthy Michigan Plan has been a blessing to many people, as well as improving the state’s economy and the state government’s finances.
“I have read about many other ideas to replace the ACA. Most are vague and lacking in detail, but the overall ideas are clearly inferior to the ACA,” Teets said. “I would say that at least 95% of the people I have helped as a Navigator are better served by the ACA than by any conservative replacement proposal. I think a single payer system like Medicare for all could be an improvement on the ACA, but it seems unlikely to be implemented in the near future.”
Teets has served on the board of Enroll Michigan for more than a year and is proud of the great work the organization has done statewide. He sees Enroll Michigan increasingly becoming a source of reliable information as the healthcare landscape may change.
“While Enroll Michigan and most Navigator organizations are not in a position to do advocacy about health policy, we can be important sources of information about health policy issues and how they may be affected by changes in federal and state laws and regulations,” Teets said.
Teets also serves on the board of the MetroHealth Foundation, a small foundation that makes grants to support physical health for people with low incomes in southeast Michigan.
Dave had trouble finding affordable health coverage after being laid off from his longtime employer. On the advice of family and friends, he reached out to a Navigator and was connected to coverage through the Health Insurance Marketplace. Read his story below.
Single parent Robin Mead earned too much to qualify for Medicaid before it was expanded in Michigan, but wasn’t offered health insurance by her employer. Affordable coverage was out of reach, so she ignored symptoms that indicated a bigger health issue brewing. An unexpected hospitalization helped save Robin’s life and connected her to the Healthy Michigan Plan. Read her story below.
Read this article by the Ludington Daily News (published April 10, 2017) highlighting the great work being done by Enroll Michigan navigators at District Health Department #10:
In 2012, the number of uninsured residents living in the 10-county area of District Health Department 10 totaled 31,631.
Fast forward to 2015, and that number decreased to 16,858 people uninsured.
Since the Affordable Care Act’s first open enrollment for the Health Insurance Marketplace in October 2013, thousands of Michigan’s uninsured residents signed up and could finally get medical coverage.
Prior to that, many went untreated or went to emergency rooms, racking up enormous medical bills they couldn’t afford.
Currently, more than 28,000 residents within the DHD 10 service area are enrolled in either the Health Insurance Marketplace or Healthy Michigan Plan, all made possible through the Affordable Care Act.
“These programs have had life-changing impact on so many of our residents who had no medical coverage prior to this,”said Health Officer Kevin Hughes. “The question now is, what will happen to them if it all goes away? We don’t know what the future holds with the changing political climate, but the Affordable Care Act finally offered a solution to the uninsured, and the numbers tell us it is working.”
As soon as the Affordable Care Act came into effect, DHD 10 sprang into action, getting staff certified as navigators and working with other agencies to help get people enrolled. Thanks to funding from various resources, including Tencon Health Plan, DHD 10’s Outreach Team put boots on the ground to educate the public on their options and how to apply. They met with community organizations, employers, and worked closely with hospitals and health care providers to increase referrals for enrollment. As the numbers show, their efforts have paid off.
Now, as the entire program is up in the air, DHD 10 will continue to reach out to all residents to assist them with navigating the insurance marketplace. For more information on the services provided by DHD 10 or to speak to someone about your insurance coverage options, visit www.dhd10.org or call the DHD 10 office in your county. We service Crawford, Kalkaska, Lake, Manistee, Mason, Mecosta, Missaukee, Newaygo, Oceana, and Wexford Counties.
Changes to report
- Changes to your expected income for the year
- Changes in health coverage:
- Someone in your household getting an offer of job-based insurance, even if they don’t enroll in it
- Someone in your household getting coverage from a public program like Medicaid, the Children’s Health Insurance Program (CHIP), or Medicare
- Someone in your household losing coverage, like job-based coverage or Medicaid
- Changes to your household or individual members:
- Birth or adoption
- Placing a child for adoption or foster care
- Becoming pregnant
- Marriage or divorce
- A child on your plan turning 26
- Gaining or losing a dependent some other way
- Moving to a permanent address in your state.
- Note: Don’t update your application if you move out of state. See what to do when you move out of state.
- Corrections to name, date of birth, or Social Security number
- Changes in status:
- Change in disability status
- Change of tax filing status
- Change of citizenship or immigration status
- Change in status as an American Indian/Alaska Native or tribal member
- Incarceration or release from incarceration
From the Michigan Department of Health and Human Services:
For dates of service on or after April 1, 2017, co-pays for certain Healthy Michigan Plan beneficiaries are going up. MSA Policy 17-02 includes the revised co-pay amounts and describes how this change will impact Healthy Michigan Plan beneficiaries and providers.
Beginning April 1, 2017, the eligibility response within CHAMPS will provide the tiered co-pay amounts applicable to the beneficiary. Beneficiaries have been notified of these changes by MDHHS.
The Healthy Michigan Plan list of chronic health conditions that are exempt from beneficiary co-pay requirements has also been updated for dates of service on or after April 1, 2017. It is located at www.michigan.gov/
Finally, consistent with MSA letter L 14-52, the handout “Information on HMP Co-pays” has been updated to reflect the revised co-pay structure. It is located at http://www.michigan.gov/