Tell Your State Senator: Michigan Patients Deserve Better!

Patients across Michigan rely on copay assistance from medicine manufacturers and nonprofit organizations to afford the medicine they need to survive. Now health insurance companies are jeopardizing the benefit of copay assistance.

Health plans have begun instituting "copay accumulator adjustment programs." These programs mean insurance companies refuse to count copay assistance towards a patient's annual deductible and out-of-pocket maximum.

Patients pay first with copay assistance – then again from their own pocket. This is a discriminatory practice!

The Michigan Senate is fighting back, considering House Bill 4353 to ensure insurance companies count all copayments towards patients' out-of-pocket maximums. HB 4353 means helping patients afford the medicine they need.

Contact your state Senator today and ask them to protect patients' access to the medicine they need. Ask your Senator to support House Bill 4353.

To whom it may concern: 

I'm writing today to personally ask you to support House Bill 4353, an important health care reform that puts the needs of Michigan patients first by protecting our access to copay assistance that counts.

For individuals living with rare and chronic conditions, like cancer, hemophilia, arthritis and many others, access to effective treatment is often made possible through copay assistance.  Many patients and families rely on financial support from nonprofit organizations and prescription drug manufacturers to help them afford the medicine they need.

As Michigan fights its way through the COVID-19 pandemic, the last thing patients need are unexpected health costs.  Unfortunately, new insurance company policies threaten to deliver just that.

Insurance companies and health plans have begun instituting "copay accumulator adjustment programs."  These programs mean that insurance companies refuse to count copay assistance dollars towards a patient's deductible and out-of-pocket maximum for the year.

In other words, if a patient with a serious health challenge uses copay assistance to pay for his or her $5,000 monthly treatment, the health insurance plan can exclude that copay assistance when calculating the patient's out-of-pocket maximum. 

This means that the patient will have to pay the $5,000 a second time out of their own pocket. The out-of-pocket costs for the treatment are being paid twice and the patient takes the hit.

All 9 of the 2021 individual marketplace plans in Michigan have instituted this discriminatory practice.  

Michigan patients are increasingly being forced to come up with co-payments twice.  House Bill 4353 would protect patients from this devastating new practice.

I was pleased to see HB 4353 move through the state House with overwhelming bipartisan support.

It's the kind of bill that Republicans and Democrats can agree on because it truly puts patients first.  

I encourage you to support HB 4353 as well.

[Your comment here]

Sincerely,

[Your name here]
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