health insurance WTF man!

[rrc]

Jack...

Jack...

With Anthem we have....

$5000 per person deductible

$10,000 family

The rates just went from $437 to $525

F*cking nuts

 

[SixFive]

jack, no pre-existing if you don't have greater than a 6 month lapse in coverage.

 

[MadJack]

With Anthem we have....

$5000 per person deductible

$10,000 family

The rates just went from $437 to $525

F*cking nuts

it looks like that's my best option too at $742 per month.

 

[Mags]

mine goes up to $1250 per MONTH starting July 1st. WTFFFFFF!

Anthem Blue Cross Blue Shield, Blue Access Option 23 with R X Option H, $500/$1500 deductible.

am i getting screwed or what?

anybody have any suggestions because this is ridiculous?

thanks

Jack:

While I can't legally give you advice on which plan to pick (you must be an agent to do so), without getting into too much detail, I can tell you I've been setting prems on individual health insurance for over 20 years - I'd be happy to help you understand where the most bang for the buck is if you want to talk sometime....

 

[MadJack]

jack, no pre-existing if you don't have greater than a 6 month lapse in coverage.

yes there is if i switch carriers. that's what i am being told by 3 different people.

 

[SixFive]

yes there is if i switch carriers. that's what i am being told by 3 different people.

is that right, Wayne?? Isn't that why HIPPA is out there; for portability of coverage? What am I missing here?

 

[Mags]

NOW, if i switch, they wanna bring up that PRE-EXISTING BULLSHIT UP.

yeah, i've been on blood pressure meds since mid 20's. if i take my BP now it's 120/70 and ALWAYS is when they take it. it's ****ing CONTROLLED!

what's the sense of having insurance if they use pre-existing conditions??? that's why i NEED insurance, not for a broken leg, not for a doctors visit, not for a flu shot that i've never had either! i need it in case i have a heart attack. duh!

sorry for the rant, I'M PISSED!

may as well turn over all my assets to them and be "protected" in case of a big problem i have have in the future?

**** them!

Jack - from the carriers standpoint - the preex makes a lot of sense.

Think of it this way - you can't go out and total your car - THEN call and get auto insurance and expect to have your car fixed. The system is set up to ensure people buy insurance before they are sick or have something serious wrong.

If everyone waited until they were sick to use insurance, it would cost much, much more.

 

[vinnie]

yes there is if i switch carriers. that's what i am being told by 3 different people.

When we switched over in 01 all we had to do is prove we had previous coverage no pre-existing clause :shrug:

 

[Mags]

is that right, Wayne?? Isn't that why HIPPA is out there; for portability of coverage? What am I missing here?

Typically HIPAA ensures that you cannot be cancelled by your current carrier (unless they pull out of the state).

HIPAA also mandates that every state provide a mechanism for those that are really sick to be able to purchase insurance, via either a high risk pool, guaranteed issue state plans, or carrier specific state plans.

 

[DOGS THAT BARK]

You will no waiting period for Pre Ex conditions- Jack-it is federal law HIPAA insurance is portable--ie if you change carriers and don't go with lapse in coverage of more than 63 days you do not have waiting period.

http://www.dol.gov/ebsa/newsroom/fshipaa.html
Under HIPAA, a new employer?s plan must give individuals credit for the length of time they had prior continuous health coverage, without a break in coverage of 63 days or more, thereby reducing or eliminating the 12-month exclusion period (18 months for late enrollees)

 

[MadJack]

You will no waiting period for Pre Ex conditions- Jack-it is federal law HIPAA insurance is portable--ie if you change carriers and don't go with lapse in coverage of more than 63 days you do not have waiting period.

http://www.dol.gov/ebsa/newsroom/fshipaa.html
Under HIPAA, a new employer?s plan must give individuals credit for the length of time they had prior continuous health coverage, without a break in coverage of 63 days or more, thereby reducing or eliminating the 12-month exclusion period (18 months for late enrollees)

so what they do is make you file an application and then they turn you down. that's what they are saying.

 

[rrc]

Mags...

Mags...

Can I get your email from Jack.

Any extra info would be greatly appreciated.

Thanks for helping a UW alum out....

 

[MadJack]

so what they do is make you file an application and then they turn you down. that's what they are saying.

or quote you a ridiculously high rate. :shrug:

 

[DOGS THAT BARK]

Somethings out of kelter on your rates Jack

I looked up rates on male 53 female 48 with standard rates (not preffered) on a plan -Not HSA-

$2,500 deductible--WITH $25 office co-pay AND drug coverage and got $421 a month premium


Monthly Payment Option
Warren County
Medical Product Blue Access--Plan 2
Medical Deductible $2,500
** Yes
Maternity Yes
Mental Health No
Medical Rate $421.88
Calculated Risk Factor 0.688
_________________________________
I see prob jack--its Indiana Rates I ran same plan as above with Indiana rates and same risk factor--didn't know county you live so used ohio county--

Indiana Individual Quote
Monthly Payment Option
Ohio County
Medical Product Blue Access--Plan 2
Medical Deductible $2,500
Maternity No
Medical Rate $731.82 :scared
Calculated Risk Factor 0.688
_______

You and Mrs might want and come live with ole Dogs for month or so

 

[MadJack]

Somethings out of kelter on your rates Jack

I looked up rates on male 53 female 48 with standard rates (not preffered) on a plan -Not HSA-

$2,500 deductible--WITH $25 office co-pay AND drug coverage and got $421 a month premium


Monthly Payment Option
Warren County
Medical Product Blue Access--Plan 2
Medical Deductible $2,500
** Yes
Maternity Yes
Mental Health No
Medical Rate $421.88
Calculated Risk Factor 0.688
_________________________________
I see prob jack--its Indiana Rates I ran same plan as above with Indiana rates and same risk factor--didn't know county you live so used ohio county--

Indiana Individual Quote
Monthly Payment Option
Ohio County
Medical Product Blue Access--Plan 2
Medical Deductible $2,500
Maternity No
Medical Rate $731.82 :scared
Calculated Risk Factor 0.688
_______

You and Mrs might want and come live with ole Dogs for month or so

i'm in Bartholomew and the rate i am being quoted for that plan is $742 with $5000 deductible. that's the best option i have found so far.

you are correct on the pre-x as she was talking about individual plans but said she has limited options because my group is only 2 people.

thanks

 

[rrc]

Dogs...

Dogs...

Anything we can do to combat the higher IN rates??

 

[rrc]

Jack...

Jack...

Let's form our own group.

 

[Mags]

Can I get your email from Jack.

Any extra info would be greatly appreciated.

Thanks for helping a UW alum out....

Yes, no problem

 

[MadJack]

Let's form our own group.

i have a group formed thru my corp. if you want added on maybe something can be worked out but i don't know how to do it legally :shrug:

maybe one of these ins guys knows.

 

[MadJack]

Jack:

While I can't legally give you advice on which plan to pick (you must be an agent to do so), without getting into too much detail, I can tell you I've been setting prems on individual health insurance for over 20 years - I'd be happy to help you understand where the most bang for the buck is if you want to talk sometime....

thanks for the offer. i'll let you know if i have questions. i have 3 guys plus my agent helping already.

damn, this forum comes in handy for a lot of things