How to get a comprehensive health insurance policy for the farm, farm jobs
Michigan is a place that is a magnet for dairyland workers.
And while the state has a long history of supporting and protecting those farms, it has been struggling with the rise of a cottage industry of cheap insurance.
That’s where farmers have come in.
They have built their own insurance plans for the state’s farmers and ranchers and they’re now selling them for a fraction of what their competitors charge.
“The market is very, very strong right now.
I’m not going to put out a call to farmers, but there are a lot of farmers out there who are getting some of the best insurance in the country,” said Dan Stenberg, the CEO of the Michigan Farm Bureau Federation, an industry group.
“They are going to have to wait a few years before we can really start to compete with what the insurance companies are going for.”
In the meantime, many farmers have chosen to get coverage through the state-run Farm Bureau.
But there are other options, including a company called Farm Insurance Services that offers coverage for farmers, livestock, poultry and poultry producers.
And a few weeks ago, the Farm Bureau issued a statement calling out insurance companies for offering “insurance for small farms,” which was an apparent reference to Farm Bureau’s own claim that it’s “in the midst of expanding its coverage to include all types of small farmers.”
“Farm Insurance Services is not the largest company in the state of Michigan, but it has the capacity to do some very big things, including providing coverage for millions of Michigan households, and is a good example of how Michigan can build a robust market,” said Robert Ritchie, the executive vice president of Farm Insurance for the Farm Security Alliance, a trade group.
“It’s a great example of a state doing a great job building the market and trying to get good coverage to its farmers and farmers’ employees,” Ritchie said.
“It’s not just a local thing.
The Farm Bureau declined to comment on its efforts.
And Farm Insurance Service didn’t respond to a request for comment.
That could change, however.
On Monday, the state Health and Human Services Department issued a notice that the state is looking into Farm Insurance’s policies and services.
It said the company has “received more than 6,000 complaints of fraud, misrepresentation and abuse of the state program,” which has been in effect since January 1, 2018.
The notice said the complaints “are not limited to the Farm Insurance program, but have been reported to the Michigan Attorney General’s Office, the Office of Insurance Commissioner, the Attorney General of Michigan and the Office for Consumer Protection of Michigan.”
The department is asking anyone who has received a complaint about Farm Insurance to contact the agency’s office at 313-542-7111.