Health care fraud is not only a financial crime but can have serious patient safety impact as well. Find out what Blue Cross Blue Shield of Michigan is doing to prevent fraud, and what you can do to protect yourself against it.

What is Blue Cross Doing to Prevent Health Care Fraud?

Individuals should be able to ask questions and share concerns with their care team, which can go a long way in preventing them from spending more money than they should in an already expensive health care system.

How Patients Can Advocate for Themselves at the Doctor’s Office

Accelerating prescription drug prices are unsustainable, and are taking up a larger portion of the health care premium dollar. Blue Cross isn't the only insurer struggling with this issue.

Health Payer Specialist: Snowballing Prescription Prices Impact All the Largest Payers

Learn about what’s driving health care costs, how it’s impacting families and employers and why shared responsibility is key to meaningful progress. 

A Shared Responsibility for Affordability

Leaders from across Michigan came together at the Mackinac Policy Conference to explore how upstream investments — in behavioral health, nutrition and chronic disease prevention — can lower costs and create healthier communities.

Community First-Partnering for Upstream Affordability

The conversation in this podcast offers an insightful look at what happens when uninsured individuals turn to emergency rooms for care — and how that cost ends up affecting everyone. 

Uncompensated Care and the Safety Net

<div class="stats-section">
    <h1 class="main-heading">
        “Health Care is Personal. Let's Make it Work for Everyone.” <br>
        <span class="author">
            
            
            - Tricia Keith, President & CEO, Blue Cross Blue Shield of Michigan
        </span>
    </h1>
    <p class="subtext">
        People can’t have access to quality medical care without affordable health insurance. Today, increasing health insurance costs are becoming more of a strain on the budgets of the businesses and people we serve. We want to help you understand why this is happening and what can be done.
This site will be updated with insight about this important issue that we, at Blue Cross Blue Shield of Michigan, are committed to addressing — affordability.
    </p>
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  <div class="heading-wrapper">
    <h2>What is Happening With Prescription Drug Use & Pricing?</h2>
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<div class="stats-section2">
  <h2>The Cost Equation</h2>
  <div class="stats-container">
    
    <div class="stat-card">
      <h3 class="card-title">Surging Medical Costs</h3>
      <div class="icon-container">
        <img src="https://cdn.sanity.io/images/eztzxh9q/development/40b09759c286057c3e200bf131c4e742204164ad-438x360.png" alt="Medical Cost Increase">
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      <div class="content-container">
        <p>From 2000 to 2024, prices for medical care increased 40% faster than everyday prices, like groceries and gas.<sup>¹</sup></p>
      </div>
    </div>

    
    <div class="symbol">+</div>

    
    <div class="stat-card">
      <h3 class="card-title">Skyrocketing Drug Prices</h3>
      <div class="icon-container">
        <img src="https://cdn.sanity.io/images/eztzxh9q/development/1cc0e54e96f6bf4c870cec2a64904560a72cece8-438x360.png" alt="Skipped Pills Statistic">
      </div>
      <div class="content-container">
        <p>In 2023, pharmaceutical companies priced new U.S. drugs 35% higher than 2022.<sup>²</sup></p>
      </div>
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    <div class="symbol">+</div>

    
    <div class="stat-card">
      <h3 class="card-title">Paying for Care</h3>
      <div class="icon-container">
        <img src="https://cdn.sanity.io/images/eztzxh9q/development/fc86b01c913a0035846e507ffde7e26f8a589f00-438x360.jpg" alt="Care Cost Graph">
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      <div class="content-container">
        <p>Blue Cross Blue Shield of Michigan paid an average of $100 million per day for the care and benefits of members in 2024. That is $12 million more per day than 2023.</p>
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    <div class="symbol">=</div>

    
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      <h3 class="card-title">Premium Pressures</h3>
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        <img src="https://cdn.sanity.io/images/eztzxh9q/development/9a55cdc30f2f41252817ae9060370c9ef3d11085-438x360.png" alt="Expensive System Image">
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      <div class="content-container">
        <p>In 2024, for every $1 Blue Cross Blue Shield of Michigan collected in premiums, we paid $1.04 for our members' care.</p>
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    </div>
  </div>

  <p class="subtext">
    Your health insurance costs are the end of the cost equation. They reside downstream. Upstream are the costs within the health care system itself. The costs of medical care charged by hospitals and doctors. The price of prescription drugs. The cost of administration and continually evolving technology. These upstream costs flow downstream into your health insurance premium. This is why we are calling for system-wide solutions. We all serve you — and we owe it to you to work together to solve problems that are driving your health insurance premiums higher.
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<div class="affordability-closing">
    <h2 class="closing-heading">We act in service to our members and customers — always.</h2>
    <p class="closing-text">
        The cost of accessing health care services matters. It concerns us every day. Because health care is personal to every single member we serve, it must be affordable. This is why we are calling for system-wide solutions. We all serve you — and we owe it to you to work together to solve problems that are driving your health insurance premiums higher.
    </p>
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<div class="source-references">
  <p class="bcbsm-link">
    <a href="https://www.bcbsm.com/individuals/help/buying-insurance/" target="_blank" rel="noopener noreferrer">bcbsm.com</a>
  </p>
  <p class="source-label">Sources</p>
  <p class="source-links">
    <sup>¹</sup> <a href="https://www.bcbs.com/news-and-insights/white-paper/affordability-solutions-white-paper" target="_blank" rel="noopener noreferrer">Blue Cross and Blue Shield</a>,
    <sup>²</sup> <a href="https://www.reuters.com/business/healthcare-pharmaceuticals/prices-new-us-drugs-rose-35-2023-more-than-previous-year-2024-02-23/" target="_blank" rel="noopener noreferrer">Reuters</a>
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Affordability

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Affordability Matters: A Special Edition Podcast Series