Michigan residents face a concerning reality: our state is known for having some of the worst road conditions and highest auto insurance costs in the country.
In 2019, sweeping auto insurance reforms were signed into law by Gretchen Whitmer. While intended to reduce premiums, these changes have had serious consequences for individuals injured in auto accidents—especially those requiring long-term care.
One of the most impactful changes was a nearly 50% reduction in reimbursement rates for essential post-acute services, including:
- Residential rehabilitation
- In-home nursing care
- Home health aide support
- Case management
- Community-based programs
- Transportation services
As a result, many providers have been forced to scale back, shut down, or deny services that ultimately leave those injured after 2019, struggling to access the care they need. Thousands of patients have lost care and companies have gone out of business because the new reimbursement rates are so low they can’t afford to help anyone.
Auto accidents can happen to anyone, and the aftermath can definitely be life changing. Without the proper coverage, an injured person’s access to quality care may be limited or even unavailable.
What You Can Do To Protect Yourself –
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These decisions can make the difference between receiving comprehensive, long-term care or facing significant gaps in support after an injury.
However, there is light at the end of the tunnel!
Recent Michigan court rulings are beginning to push back on unfair reimbursement cuts from the 2019 auto reform.
These decisions are aimed to increase payments for home care providers, allowing agencies to better help those injured after 2019.
Access to care is still inconsistent, and many families continue to struggle to find the support they need.
At BrightStar Care, we advocate for patients and families navigating these challenges. We are forever dedicated to providing high-quality, compassionate care—even in a rapidly changing healthcare landscape.
Sources:
https://www.hcaoa.org/newsletters/michigan-news-auto-no-fault-court-of-appeals-decision-on-home-care-reimbursement
https://www.mbipc.org/stopthescam
https://www.mbipc.org/fee-schedule-fix
https://www.mhha.org/auto-no-fault/