dex
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- Joined
- Oct 28, 2003
- Messages
- 5,105
I don't know if this is old news but it was not such to me.
I got a health ins. rate increase because I turned 55. While researching other plans with BCBS I was read a disclaimer similar to the info below.
The important part is this. If I change plans (now a new plan) the government can mandate what needs to be covered and the health ins can (will) raise the premium. So if the government says my (new) plan must include and pay for 100% of an annual physical to include X,Y,Z tests, the plan would have to include it and I would have to pay for it.
If I stay with my current plan no such clause applies. But, I usually try to change plans or ask for a 'rollback' to save money. For example I can change from a PPO to a POS plan and save $45/month - similar in the important issues - dr. selection and money.
I move to medicare in a 7? years. So I will continue to change plans until then.
I'm guessing people will be moving to the government plan over time.
http://www.early-retirement.org/forums/newthread.php?do=newthread&f=28https://www.bcbsal.org/HCReform/index.cfm?frm=grphomeHcRef
The Act requires modifications to new and grandfathered health plans to comply with the mandates set forth in Title I (Subtitles A and C) of the Act. A grandfathered plan is a group or individual plan in which an individual was enrolled on or before March 23, 2010. If a group develops a new plan after March 23, 2010, or an individual enrolls in an individual plan after March 23, 2010, that plan is then considered a new plan. A grandfathered plan must comply with some of the mandates of Title 1 while a new plan must comply with all of the insurance mandates in Title I. Please refer to the "Grandfathered Plans" below for application of each mandate in Title I.
I got a health ins. rate increase because I turned 55. While researching other plans with BCBS I was read a disclaimer similar to the info below.
The important part is this. If I change plans (now a new plan) the government can mandate what needs to be covered and the health ins can (will) raise the premium. So if the government says my (new) plan must include and pay for 100% of an annual physical to include X,Y,Z tests, the plan would have to include it and I would have to pay for it.
If I stay with my current plan no such clause applies. But, I usually try to change plans or ask for a 'rollback' to save money. For example I can change from a PPO to a POS plan and save $45/month - similar in the important issues - dr. selection and money.
I move to medicare in a 7? years. So I will continue to change plans until then.
I'm guessing people will be moving to the government plan over time.
http://www.early-retirement.org/forums/newthread.php?do=newthread&f=28https://www.bcbsal.org/HCReform/index.cfm?frm=grphomeHcRef
The Act requires modifications to new and grandfathered health plans to comply with the mandates set forth in Title I (Subtitles A and C) of the Act. A grandfathered plan is a group or individual plan in which an individual was enrolled on or before March 23, 2010. If a group develops a new plan after March 23, 2010, or an individual enrolls in an individual plan after March 23, 2010, that plan is then considered a new plan. A grandfathered plan must comply with some of the mandates of Title 1 while a new plan must comply with all of the insurance mandates in Title I. Please refer to the "Grandfathered Plans" below for application of each mandate in Title I.