BCBSNC - No More Family Plans

[CHUMPS FROM OXFORD]

"No formal announcement." That's the key.

It's amazing how much "he said she said the neighbor said the chiwawa said the big green monster said my unborn child said...

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[Post Quartermaster]

"No formal announcement." That's the key.

It's amazing how much "he said she said the neighbor said the chiwawa said the big green monster said my unborn child said...

WebNanny was not used in this post
WebLarryDavid was used in this post

Actually, after further review, I stand corrected, I was out of the office the day the bulletin came out.

This has been formally announced by BCBS-SC:

August 09, 2010

Plan Changes and Updates

BlueCross BlueShield of SC has recently implemented changes required by the health care reform act. These changes will affect some plan benefits and quoting through Accel-A-RateSM for effective dates of October 1 and later. The following is a summary of the changes:

Individual
All individual plans are single contract only.
Quoting is only available for individuals over age 19.
Maternity riders are no longer available.
Accident riders are no longer available.
Benefits have been modified to conform to health care reform act.
Quoting for individuals under age 19 for an October 1 and later effective date should be available in early September.

 

[somarco]

All individual plans are single contract only

Not being argumentative, but isn't that a redundant statement? Kind of like saying family plans cover 2 or more individuals.

 

[Crabcake Johnny]

Did they used to split families in the case of rate ups like Aetna? Trying to make sense of that "single contract" language.

 

[Post Quartermaster]

Did they used to split families in the case of rate ups like Aetna? Trying to make sense of that "single contract" language.

BCBS-SC has never rated up. Riders only. At least for as long as I've been in business.....

 

[Crabcake Johnny]

Then I see nothing in that communication that puts an end to family plans. Just my take on it.

 

[somarco]

Originally Aetna did like BCBSGA. They rated the entire family based on the rate up of the "sickest" individual.

Didn't take brokers long to figure out, so the sick ones were put on separate apps.

Aetna got religion, then started applying rate up's to the sick ones only and kept the family intact.

Last year they started a composite family rate where the sickest individual was offset by the healthy ones that (supposedly) would result in a lower overall premium. It also was supposed to allow them to accept a sick person that would normally be denied if there was enough premium offset in the rest of the family.

That is the way it was announced in a meeting. I never saw it in actual practice.

But I can't see TV signals but that doesn't mean they aren't out there somewhere.

 

[IndividualHealthGuy]

But I can't see TV signals but that doesn't mean they aren't out there somewhere.

Can you not see them because of your aluminum foil hat?

 

[somarco]

Can you not see them because of your aluminum foil hat?

Hasn't worked as well since the lightning strike. I replaced it with wax paper.