Obamacare Strikes

[somarco]

Client with Golden Rule since 2006. Premiums increase every year to finally, they have had enough and agreed to look at alternates.

Quoted Humana HSA, slightly higher deductible but saving $100 or so per month.

At least until Obamacrap struck . . .

One child diagnosed with ADD but not requiring meds. This is the first time I have tried moving a family with kids under 19 to a new plan and ran smack into Obamacrap.

Normally I would suggest a rider for the ADD since the condition is quite mild, not requiring medication.

But Obama says no.

So in lieu of a rider the child's premium goes from $62 to $155, effectively killing the sale.

But Obama said our premiums would go down. Did he lie?

 

[STIBROKER]

But Obama said our premiums would go down. Did he lie?

No....he said you can keep your old insurance plan......hahahahahaha

 

[dgoldenz]

Client with Golden Rule since 2006. Premiums increase every year to finally, they have had enough and agreed to look at alternates.

Quoted Humana HSA, slightly higher deductible but saving $100 or so per month.

At least until Obamacrap struck . . .

One child diagnosed with ADD but not requiring meds. This is the first time I have tried moving a family with kids under 19 to a new plan and ran smack into Obamacrap.

Normally I would suggest a rider for the ADD since the condition is quite mild, not requiring medication.

But Obama says no.

So in lieu of a rider the child's premium goes from $62 to $155, effectively killing the sale.

But Obama said our premiums would go down. Did he lie?

That seems odd. I recently had a Humana app with a child that had ADD and was on meds and they only rated her up 25%. Are you sure they didn't underwrite it as another condition by mistake?

 

[AndreaSti]

Had the same issue with H1 with acne meds. Family had come off of a benefit-rich group plan, and they have 2 teenage daughters so they were of course on several very expensive meds (which their great group plan covered pretty well I guess). Anyway, both were rated, one at 80%, the other at 500% (yes 500). So instead of getting a rider (and the parents maybe deciding to give Proactiv a try) they were stuck. We even had the underwriter send us a spreadsheet outlining what the cost of the meds would be per month because we had never seen that before.

 

[somarco]

I recently had a Humana app with a child that had ADD and was on meds and they only rated her up 25%. Are you sure they didn't underwrite it as another condition by mistake?

From the rider, "A special class premium of 150% has been applied to PDN . . . . as of the effective date. The reason for the rate up is due to ADD/ADHD.

Andrea, you can use the Rx search on the H1 website to get Rx pricing. I use that quite often.

 

[dgoldenz]

Strange...it even says in their guide that it's a standard rate if there's no medication/counseling and 2+ years.

 

[somarco]

standard rate if there's no medication/counseling and 2+ years.

She was diagnosed within the last 12 months.

 

[ABC]

Yep BOBO has done nothing but increased premiums.

 

[dgoldenz]

She was diagnosed within the last 12 months.

Well that'll do it then...

 

[Ann H]

For Arizona, I found the following maximum rate-ups that carriers will apply to children under age 19 (and to adults before it becomes a declination):

Blue Cross - 80%
Health Net - 150%
Humana - 500%
Cigna - 400% I was told, then told it has changed, but I don't care because I'm not getting $0 commission on the whole family for a GI kid.
Aetna - who cares - I didn't even ask
UH1 - I think it's unlimited rate-up, but not sure