Ndemanga: Pa inshuwaransi yamagalimoto, opanga malamulo amvera kale

Ndemanga yaposachedwa ya Tom Judd wa Michigan Council of Brain Injury Providers (CRIN, Sept. 12) imati opanga malamulo akuima mopanda kanthu pamene thambo likugwa pa kukonzanso magalimoto a bipartisan 2019. Palibe chomwe chingakhale chowonjezera kuchokera ku choonadi.

Dongosolo lolakwika komanso lachikale la Michigan la zolakwa zangozi zinali zolandirika pazachinyengo, zomwe zimalimbikitsa kuti zipatala ndi azithandizo ena azichulukirachulukira komanso kugwiritsidwa ntchito mopitilira muyeso kwa chithandizo chamankhwala. Kuti zinthu ziipireipire, Michigan inalinso dziko lokhalo mdzikolo lomwe linkafuna kuti madalaivala azigula zopindulitsa zachipatala zopanda malire za moyo wawo wonse kudzera mu inshuwaransi yawo yamagalimoto – chomwe chidapangitsa kuti Michigan ikhale ndi ndalama zambiri za inshuwaransi zamagalimoto.

Opanga malamulo adamvera ndipo zosintha za 2019 zidapatsa anthu aku Michigan mpumulo waukulu. Posachedwapa, madalaivala opitilira 7 miliyoni okhala ndi inshuwaransi ku Michigan, kuphatikiza mabizinesi m’boma lonse okhala ndi zombo, adalandira ndalama zambiri m’mbiri ya boma. Kubwezeredwa kwa $400 pagalimoto iliyonse kuchokera ku Michigan Catastrophic Claims Association sikukanatheka popanda kusintha kwapawiri kumeneku, komwe kwapulumutsa madalaivala aku Michigan pafupifupi $5 biliyoni mpaka pano. Kusinthaku, komwe kunali dziko lokwera mtengo kwambiri la inshuwaransi yamagalimoto, kunathandizira kuchepetsa mitengo ya inshuwaransi yagalimoto yaku Michigan, monga zikuwonetseredwa ndi Insure.com yaposachedwa kwambiri ya inshuwaransi yamagalimoto ndi boma, komanso deta yochokera ku dipatimenti ya inshuwaransi ndi Financial Services pa kudulidwa kovomerezeka kwa munthu. chitetezo.

Pomwe opanga malamulo adamvera, anthu ambiri aku Michigan akugula inshuwaransi yamagalimoto kuposa kale, pomwe madalaivala atsopano opitilira 202,000 akugula inshuwaransi yamagalimoto kuyambira pomwe kusinthaku kudayamba. Opitilira ma inshuwaransi atsopano a 50 alowa mumsika wa inshuwaransi waku Michigan, ndikuchepetsa mtengo popanga mpikisano – kupambana kwina kwa ogula.

Pozindikira kusintha kwa dongosolo losweka lomwe silinasinthidwe pafupifupi zaka 40, opanga malamulo adamvera pomanga ngongole ya $ 25 miliyoni mu 2021-2022 yamakampani osamalira ana anthawi yayitali. Izi mwina zidakhala ngati mpumulo kwakanthawi kwamakampani omwe akuvutika kuti asinthe, koma lero bungwe limodzi lokha lamaliza ntchito yonseyi. DIFS yapanga pulogalamu yoyankha mwachangu kuti iwonetsetse kuti palibe amene akufunika chisamaliro. Dongosololi lawona madandaulo 126 operekezedwa operekedwa ku DIFS kuyambira pa Julayi 1, 2021, pomwe 119 adathetsedwa.

Nyumba yamalamulo idanenanso zakusintha kopanda zolakwika kwa othandizira azachipatala osati makampani a inshuwaransi. Opanga malamulo anamvera anthu awo omwe ankavutika kuti apeze inshuwalansi ya galimoto. Kuwonjezeka kwa mtengo wa inshuwalansi kunali zotsatira zachindunji za dongosolo lomwe linalola opereka chithandizo chamankhwala kulipira ntchito zawo popanda malire. Izi zidapanga makampani ku Michigan omwe sapezeka kwina kulikonse mdziko muno. Mukakhala ndi chiwongola dzanja chopanda malire komanso ndalama zopanda malire zomwe muyenera kulipira, mukusiya dongosolo losasunthika komanso losakhazikika, lomwe liri kutali kwambiri ndi dongosolo lachipatala. Koma musatengere mawu a Michigan Insurance Alliance mozama. Zambiri zomwe zilipo pankhaniyi – zomwe zidapangitsa kuti nyumba yamalamulo ichitepo kanthu poyesa kuwongolera dongosololi – ndizambiri.

Mosiyana ndi zomwe Judd akunena, milu ya umboni wosonyeza dongosolo lopanda kulamulirali linaperekedwa mu umboni ndi Michigan Catastrophic Claims Association ndi City of Detroit, ndipo zinawululidwa ndikufufuzidwa ndi zofalitsa zofalitsa nkhani monga Detroit Free Press. Bungwe la Citizens Research Council losagwirizana ndi gulu lidaperekanso lipoti pankhaniyi. Zitsanzo za nkhanzazi ndi izi: Othandizira zachipatala adalipira $3,200 pa MRI polipira ngongole ya inshuwalansi ya galimoto, komabe MRI yemweyo ndi dokotala yemweyo pa malo omwewo amangogula $500 akalipira Medicare. Werengani maumboni a zitsanzo zambiri za kuchulukitsitsa kumeneku ndipo n’zosadabwitsa kuti Michigan ili ndi inshuwalansi ya galimoto yodula kwambiri m’dzikoli.

Nkhaniyi si yokhudzana ndi mwayi wopeza chithandizo kwa anthu ovulala, koma ndi opereka chithandizo omwe akufuna kuti alandire chipukuta misozi kuchokera kumakampani a inshuwaransi. Zosintha za 2019 zisanachitike komanso zitatha, makampani a inshuwaransi adakhalabe ndi udindo wolipira chithandizo choyenera komanso chofunikira chachipatala kwa omwe adavulala pa ngozi zagalimoto ku Michigan.

Ngakhale kuti anthu ena ayesetsa kuletsa kusintha zinthu, mfundo ndi mfundo zimene zalembedwazi zimatichititsa kuvomereza kuti opanga malamulo amvetsera. Kusintha kwa zipani zawo kunapangitsa kuti asunge ndalama, kuthetseratu chinyengo, kuchepetsa kulipiritsa, ndikupatsa ogula aku Michigan kusankha. Tikupempha opanga malamulo m’magulu onse awiri kuti asatengere njira ndikulola kuti kusinthaku kupitirire kugwira ntchito.

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