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View Diary: What you should know about health insurance industry lobbyists and their lies (276 comments)

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  •  My FEHB Costs Just Shot Up 83% . . . (1+ / 0-)
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    AmericanRiverCanyon

    thanks to an insurance industry-pushed regulation which throws college students off their parents' plans 30 days after their 22nd birthday (we can't have those slacker students concentrating on their studies, rather than jobs to pay for expensive healthcare, now can we!?!).

    Disclaimer: My FEHB Self&Family HMO coverage actually went down a few cents bi-weekly, for an average cost of $325/month.

    But my daughter's exercise-induced asthma also was "cause" (the dreaded "pre-existing condition") for the HMO to block her from transferring to the HMO's non-government plan ... even though my daughter's asthma never required emergency treatment, beyond a new inhaler every six months or so.

    I succeeded in getting her enrolled in the FEHB's Temporary Continuation of Coverage (TCC) program, under the same HMO's standard option program, for a cost of $270/month and a $10 increase in each co-pay. But that might, if I'm reading the IRS's definition of "dependent" correctly, cover her only half-way through her senior year ... since, while she'll graduate in 2010, she will turn 24 six months later in late November 2010. And my reading is that a student dependent is no longer a dependent for tax purposes--or for TCC--the year they turn 24.

    Through "teh Google", I learned that my former congressional representative, Tom Davis, tried to push a bill to delete the "22nd birthday + 30 days" rule (http://govexec.com/...), but of course still required the dependent to pay the full cost of their FEHB coverage from age 22 to 25. The justification for that was:

    Daniel Green, deputy associate director of the Office of Personnel Management's Center for Employee and Family Support Policy, said covering dependents already in FEHBP for an extra three years could cost approximately $200 million per year. He said the estimate was calculated by multiplying the number of dependents in the 22-to-25 age bracket (245,000) by the annual cost of health care for a young adult ($1,640).

    (Of course, there's ABSOLUTELY no possibility, IS THERE (!), that the healthcare costs for three more years of coverage for kids who have received a lifetime of FEHB-provided healthcare might turn out to be lower than the national average. Just sayin'.)

    At least Rep. Eleanor Holmes Norton gets it right:

    "I'm sick and tired of the fact that every time we offer something new to federal employees, we say, 'You can have it, but you have to pay 100 percent,' " Norton said. "When you compare that to what the private sector is offering young people, you'll see why we're having trouble recruiting them."

    When warned by my brother at B&W that the reactor's water release valve could fail if not augmented, 3MI retorted: BS! (3MI saved $70k; the world lost)

    by Robert de Loxley on Sun Jan 25, 2009 at 07:52:41 PM PST

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