magellan_nh
Recycles dryer sheets
- Joined
- Sep 17, 2006
- Messages
- 142
I recently submitted a BCBS HSA health insurance application online for my wife and I. We were accepted at the standard rate instead of preferred.
The up-rating for DW was due to physical therapy on a running injury that I listed as "active". She's actually about done with it and she can do a 3 mi. run with no pain. I'm wondering if they could do an exclusion or something and re-rate her (the injury was tendonitis of the knee/leg). I have a urethral stent that fixed a stricture that I've had for as long as I can remember. Not sure if other carriers will also rate me for it, but I figured I should check around.
I'm 42 and she's 43 and we would have paid $301 per month for a $10k family deductable policy at the preferred rate. The standard rate premium for us is $452 a month.
The policy covers preventative stuff like mammogram, pap, colonoscopy, etc. with no deductable if you stay in-network. I figure that's probably worth $500-700 per year or $50 a month.
One thing I'm learning (based on talking to a BCBS sales rep) is that when a couple applies together for family coverage, they seem to rate the policy based on the least healthy of the pair. If one of us can could get an individual policy at the preferred rate and the other got the standard rate, individually we'd have premiums of $166 and $252 per month, which comes out to $418. With a family policy, the standard rate premium for a couple is $452.
I'm trying to better understand how the deductable works. With a $5k individual/$10k family deductable policy, if you have family coverage, the BCBS web-site indicates only the $10k deductable applies (not $5k per person). That alone might be a good reason to go with 2 separate policies, each with $5k deductables.
Anyhow, if anyone has insights as I work through this decision, I'd appreciate the comments. I plan to keep this policy for a long time, so it will be worth it for me to "buy it right"
Thanks,
Jim
The up-rating for DW was due to physical therapy on a running injury that I listed as "active". She's actually about done with it and she can do a 3 mi. run with no pain. I'm wondering if they could do an exclusion or something and re-rate her (the injury was tendonitis of the knee/leg). I have a urethral stent that fixed a stricture that I've had for as long as I can remember. Not sure if other carriers will also rate me for it, but I figured I should check around.
I'm 42 and she's 43 and we would have paid $301 per month for a $10k family deductable policy at the preferred rate. The standard rate premium for us is $452 a month.
The policy covers preventative stuff like mammogram, pap, colonoscopy, etc. with no deductable if you stay in-network. I figure that's probably worth $500-700 per year or $50 a month.
One thing I'm learning (based on talking to a BCBS sales rep) is that when a couple applies together for family coverage, they seem to rate the policy based on the least healthy of the pair. If one of us can could get an individual policy at the preferred rate and the other got the standard rate, individually we'd have premiums of $166 and $252 per month, which comes out to $418. With a family policy, the standard rate premium for a couple is $452.
I'm trying to better understand how the deductable works. With a $5k individual/$10k family deductable policy, if you have family coverage, the BCBS web-site indicates only the $10k deductable applies (not $5k per person). That alone might be a good reason to go with 2 separate policies, each with $5k deductables.
Anyhow, if anyone has insights as I work through this decision, I'd appreciate the comments. I plan to keep this policy for a long time, so it will be worth it for me to "buy it right"
Thanks,
Jim