Got this email today from my insurance agent - Chevelle Tech
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post #1 of 45 (permalink) Old Sep 20th, 17, 5:48 PM Thread Starter
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Tim
 
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Angry Got this email today from my insurance agent

What a crock!!!


The State of Ct Insurance Department has approved both Connecticare and Anthem to raise rates by an average of 25% in 2018. Your exact rate for 2018 has not yet been provided to me. I will email you your new 2018 rate once I receive it. You will also be notified in the mail by your insurance carrier.


In light of this, I recently got contracted with a large agency in New York to be able to offer additional health insurance products. One of the health plans available is offered through the Employers Network Association. As a member of this association, you can apply for coverage that is priced very competitive, offering co-pay for office visits ($40 primary / $60 specialist), lab and x-ray ($40) and prescriptions ($25/$50/$75) without having to meet the plan deductible. The hospital deductible is $3000 per person / $6000 per family with a max out of pocket of $7000 per person / $14,000 per family. (see attached outline of coverage for full details of plan). The participating provider network is Cigna PPO, one of the best national networks of doctors and hospitals in the country.


The current 2017 monthly rates are listed below. The 2018 rates will be released in November.


Single: $548
Employee + Spouse: $1022
Employee + children: $898
Family: $1298



The association is able to keep rates below market average because they are allowed to medically underwrite the policy. Medical questions will need to be answered and certain medical conditions will result in a decline, e.g. cancer, heart attack, stroke, pending or recommended surgery, pregnant. The primary applicant must be currently employed or self employed to join the association and apply for coverage. There is a one-time $125 application fee to apply. You can enroll at any time as there is no open enrollment period.


If you are interested in enrolling or have any questions, I can be reached @


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post #2 of 45 (permalink) Old Sep 20th, 17, 5:55 PM
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Re: Got this email today from my insurance agent

We were better off before all this ObamaCare crap. I still say the insurance companies are milking this for as much as they can get out of you.
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post #3 of 45 (permalink) Old Sep 20th, 17, 7:11 PM
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Re: Got this email today from my insurance agent

You know, we Canadians complain about high taxes, but rarely do we get bills from hospitals or doctors, or at least not big bills. We never see ads were someone is selling a car or a house to pay medical bills. Wait times are one downside though.

As time goes on we will start to see an increase in stuff that is no longer covered by our Provincial Health Plans. That will be a tough nut to swallow because without seeing a direct bill, hardly anyone thinks twice about seeing a doctor for the most minor of things.

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the more you realize there is that you don't know." - Dad


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post #4 of 45 (permalink) Old Sep 20th, 17, 7:45 PM
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Re: Got this email today from my insurance agent

Quote:
Originally Posted by HKalin View Post
We were better off before all this ObamaCare crap. I still say the insurance companies are milking this for as much as they can get out of you.
HELL YES !!!!!!!!!!!!

Not eligible for ObamyCare...we pay $2500/month for BC/BS.
Thankfully I get to fire them Oct. 1st...when I turn 65 next month.
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post #5 of 45 (permalink) Old Sep 20th, 17, 8:31 PM
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Re: Got this email today from my insurance agent

Quote:
Originally Posted by HKalin View Post
We were better off before all this ObamaCare crap. I still say the insurance companies are milking this for as much as they can get out of you.

No kidding, they had the insurance companies write the thing...
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post #6 of 45 (permalink) Old Sep 20th, 17, 8:51 PM
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Re: Got this email today from my insurance agent

Quote:
Originally Posted by BillsCamino View Post
HELL YES !!!!!!!!!!!!

Not eligible for ObamyCare...we pay $2500/month for BC/BS.
Thankfully I get to fire them Oct. 1st...when I turn 65 next month.
Holly crap Bill thought we had it bad up here 1100+ for BC/BS it's $6500/person $13000/ family
deductible. Plus they put most of our places out of network.

Jim

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post #7 of 45 (permalink) Old Sep 20th, 17, 10:47 PM
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Re: Got this email today from my insurance agent

Had Humana in '16 for $1400/ month but they pulled out of GA.
I needed a policy with low deductibles for 2017 due to a medical issue requiring continuing physical therapy.
Best coverage was the BC/B$ Gold policy.

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post #8 of 45 (permalink) Old Sep 20th, 17, 11:25 PM
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Re: Got this email today from my insurance agent

We have United Healthcare, my company I retired from has a reimbursement plan, it has a bunch of paperwork to do but we get back our premium every month. we also have Medicare A and B.

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post #9 of 45 (permalink) Old Sep 21st, 17, 1:04 AM
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Re: Got this email today from my insurance agent

You guys blaming affordable care act for everything is small sighted.
The hospitals and insurance are making money regardless of the year.

The Kaiser study shows that average family premiums rose 20% from 2011 to 2016. That rate of increase is actually much lower than the previous five years (up 31% from 2006 to 2011) and the five years before that (up 63% from 2001 to 2006).



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post #10 of 45 (permalink) Old Sep 21st, 17, 2:50 AM
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Re: Got this email today from my insurance agent

Quote:
Originally Posted by Kaizen View Post
You guys blaming affordable care act for everything is small sighted.
The hospitals and insurance are making money regardless of the year.

The Kaiser study shows that average family premiums rose 20% from 2011 to 2016. That rate of increase is actually much lower than the previous five years (up 31% from 2006 to 2011) and the five years before that (up 63% from 2001 to 2006).

Sorry, not buying it. Medical insurance deductibles didn't exist for anyone with decent insurance before this bullspit ACA. Prescription costs were bad, but not this bad before the government "fixed" healthcare.

Nobody was paying $2500 a month 10 years ago to cover 2 people unless they tried to sign up after being diagnosed with a major illness. And in most cases like that you would have probably been eligible for Medicaid.

This is so out of control, it's disgusting. Shameful, actually.
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post #11 of 45 (permalink) Old Sep 21st, 17, 4:29 AM
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Re: Got this email today from my insurance agent

Pete 67, if you do the math tracking back 10 years using the percentages from the Kaiser study noted by Kaizen, I think you'll see what's happened. I've been paying for my employees' premiums for about 25 years and every year brought a shockingly high increase in premiums, deductibles, copay, and coinsurance. I didn't see the ACA as significantly affecting the annual rates of change, except for the decreases for older employees and those with chronic issues. We were all hoping for decreases in premiums and greater coverage of medical costs. Maybe that's not easy to achieve with the increasing cost of providing medical care. The providers need to make a profit, the insurance companies need to make a profit, and we patients need to somehow pay both and still have a happy life. Let's hope the protections put in place by the ACA remain when Congress makes changes.
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post #12 of 45 (permalink) Old Sep 21st, 17, 5:08 AM
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Re: Got this email today from my insurance agent

Not sure where I can read the Kaiser study(not sure I want to either), but I'm skeptical given the fact they're an Insurance company with much to gain by skewing the truth. Frankly I wouldn't go into it with an open mind, because I outright don't believe it.

Shane nailed it earlier up-thread; the insurance companies wrote the ACA with one thing in mind, profits. They couldn't care less about providing quality healthcare options to the masses.

I mean no disrespect to you or Kaizen, Mike. It's simply something I think we're all being hoodwinked on & we're all powerless to stop.

With that said, I will gracefully bow out of this thread before it becomes a CE topic.
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post #13 of 45 (permalink) Old Sep 21st, 17, 7:58 AM
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Re: Got this email today from my insurance agent

Bow, out, as you are wrong about causality. ACA was a pimple on a rats ass as regards cost containment, in fact, it allowed insurers to raise prices to a certain "payout" level. It did NOTHING but make treatments and visits more expensive due to added bureaucracy, if nothing else. Added a few protections, but yet, a pimple on a rats ass when it came to the inflation of HC costs, in fact accelerated them. Another legislative FAIL - as since when have they got anything right?

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post #14 of 45 (permalink) Old Sep 21st, 17, 9:14 AM
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Re: Got this email today from my insurance agent

The same bureaucracy that can't manage the post office or social security was going to fix and manage Healthcare? The libs cry is everyone has "access". That's an illusion because they can't afford it. I'm at ground zero on this issue and have been dealing with it for 30 years. It's a train wreck waiting for the caboose to crash.

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post #15 of 45 (permalink) Old Sep 21st, 17, 10:19 AM
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Re: Got this email today from my insurance agent

Quote:
Originally Posted by Kaizen View Post
You guys blaming affordable care act for everything is small sighted.
The hospitals and insurance are making money regardless of the year.

The Kaiser study shows that average family premiums rose 20% from 2011 to 2016. That rate of increase is actually much lower than the previous five years (up 31% from 2006 to 2011) and the five years before that (up 63% from 2001 to 2006).
The blame is justified because no one seems to be able to find the "affordable" in the Affordable Care Act. Last year year I had to look into Obamacare for my granddaughter when her Chips Medicaid coverage lapsed thanks to someone at the children's medicaid office not doing their job. (I sent all the forms they gave and provided everything they asked for.) The best price was $840 a month. She is healthy eight your old. I don't have that kind of money to kick around every month. A wealthy liberal elitist might. I don't. I had to spend the next six days and countless hours on the phone to get her Chips coverage reinstated. Finally found someone who admitted they dropped the ball.
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