Above average health status can work to your advantage when it comes to medical insurance pricing.  If you and your employees are in “above average health” you may be able to reduce the cost of medical insurance.  Rather then being in a community rated plan with anybody and everybody, take a look at the MAC’s new sponsored medical insurance program Employers Advantage.  Unlike community rated plans that take everyone who applies, Employers Advantage uses medical underwriting to evaluate the overall health status of your group.  Health status along with age and gender of the enrolling employees, and the location of the practice to determine the rates.  So, let your healthy lifestyle pay dividends in the form of potentially lower medical insurance costs.

Need more information? Fill out the contact form and an AmeriProtect/MAC Representative will reach out to you shortly!

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What is AmeriProtect?

Who owns and operates AmeriProtect?

AmeriProtect, located in Lansing, Michigan, is owned by the Michigan Association of Chiropractors (MAC) and its operations run out of the MAC headquarters. It is governed by its own Board of Trustees, all MAC members, who oversee the growth and transparency of the group.

Where do the profits go?

In short, all profits stay in the profession. Sure, there are overhead costs, but the mission of AmeriProtect is to provide quality, affordable insurance products to Michigan chiropractors, while keeping their hard-earned financial resources in the chiropractic profession.

How does AmeriProtect benefit the chiropractic profession?

Normally, when chiropractors purchase their health and workers’ compensation from other carriers, that money spent is NEVER returned to the profession. In fact, some carriers actively lobby against chiropractors at the capital. Here is a quote from a senior Blue Cross official testifying against Michigan Senate Bill 282 (which would require workers’ compensation to pay for all chiropractic services legally performed under our scope of practice):

“This bill expands reimbursement for chiropractic care into the primary care arena, which we believe jeopardizes patient safety and exposes injured workers to the risk of misdiagnosis and unnecessary care. A worker’s health and safety is our foremost concern whether it is on the job site or in the exam room. By not interacting with a primary care doctor, the patient risks a delay in receiving appropriate care.”

In short, the money most chiropractors are spending on health and workers’ compensation coverages is funding opposition activities. AmeriProtect wants to help stop that process.