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View Diary: Health Insurers Refuse to Rescind "Unreasonable" Rates; Snub Feds (250 comments)

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  •  Our group's proposal is for a 19% hike... (3+ / 0-)
    Recommended by:
    james321, ferg, wayoutinthestix

    ....starting April 1st.  What, specifically, should we do?

    The worst part is that the stats showed a medical loss ratio of over 100% for our group....although I don't know how they calculated the stats or what they charged for medical services (as opposed to the highest actual claims for the year).

    9-11 changed everything? Well, Katrina changed it back.

    by varro on Mon Jan 16, 2012 at 08:34:14 AM PST

    •  Small groups are a big problem (2+ / 0-)
      Recommended by:
      angstall, james321

      A small business with one or two people with major health care costs can make the group a big loser for the insurance company. Then the insurer either drops the group, greatly increases premiums, or quietly leans on the business to fire the expensive sick employees.

      •  Small groups are a problem = So true! (1+ / 0-)
        Recommended by:

        I had to switch providers this month at 22 weeks pregnant because my husband had one coworker last year whose wife had triplets and another who had diverticulitis.  Strange cause and effect there, but that's essentially the truth.  The company only has about 30 employees in the insurance pool, and our insurer was planning to raise rates by 20%.  My midwife won't take the new insurance that the company selected and I couldn't find a midwife in town who will, so I had to switch to an OB.  I know that in the big scheme of things it's not that big of a deal, but I have been very stressed out by being forced to make the change and I cry every time I think about it.

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