My new crap health insurance

[HYENA 4]

The insurance companies screw you for services you would never usually check on (like brain injury, acute rehab or extended acute rehab, PT/OT, SLP should you get in a whizbang of a car accident. Hey, whizbang! THat was fun!

Anyway, I've seen denials for cancer treatment, rehab, medicine, hospital days, MRI's xrays, brand name meds when no generic is available, monitoring machinery, surgeries ,CT scans, transferring home with no home care (dumping them at home for the family to freak out about)...I've seen alllll kinds of stuff. And one would never know how many days one would need which is precisely why they deny after x days of x service. Because one extenuating circumstance happens and they get to can your policy and watch you rot and die.

No insurance is good. not a single one. They're all in it for the money...I worked on the other side battling them over and over. I used to just hand every family the phone number of the insurance commissioner letting them know the insurance case manager gets mo money based on denials and someone needs to die and it's not their loved one!

[Teffah 5]

I feel your pain. I just went through this last year when our school board switched from BCBS (HMOs and PPOs) to United Healthcare OR Cigna. Not only did my deductible go up, my copays went up, AND my medications increased in cost - at least the ones I need for my asthma and diabetes. But to be without it...sheesh... All the school systems in my state have done this so looking for a new job isn't gonna work for me.

If you decide to look for a new job, I wish you the best.

My school district did the samething.. medical care if getting outrageous.

[Mr. Big Dog 10,747]

We used to have a full deck of options when I started with my current employer three years ago. Last year they scratched the HMO options, this year the low deductible PPO plans have gone on the chopping block. There are but two providers left to "choose" from. One PPO (500/1000 deductible) and two high deductible plans. That's it. I'm not looking forward to the new premium rates either.

This really takes the wind out of the sails of all those that want to oppose health care reform based on the notion that people will lose their choices. We're losing those supposed choices already and that's bound to get a lot worse if nothing is done on health care reform.

[w¡n9Nµ7 §£@¥€r 123]

My employed hasn't scratched the HMO's but they have made the premiums astronomically high. The only plan reasonably priced (sort of) is the self-insured PPO. Pretty much every employee picks it because that's how the pricing is set up, to achieve that particular enrollment outcome.

We haven't had open enrollment yet, I wonder how much premiums will go up. I look forward to reporting (sort of) good news.

[kaffy 2]

BCBS has increased our rates 13% next year... I will find out how next week how that increase will be split between employer & employee