True Insanity.............

[AllenChicago]

What tipped you off? Crime scene tape?

Nope. Twas a long-time client couple. When Barb didn't say "hello" as usual, I asked Andrew what was wrong. He said "the old bat died on me".. and he needed to get life insurance from someone he could trust, before reporting it.

Ironically he never bought life insurance on her, even though I had advised him to on many occasions. He always said that he was going to "kick off" first and that Barb would be fine, due to the big $25,000 policy he had.

Somarco, this happened a long time ago, in a galaxy far far away..

 

[unic.consulting]

When I started reading this thread today, I was going to recommend sending her a letter stating your findings to CYA. Then I saw that she'd already gotten the DOI involved. I've gone through the same craziness...It's especially bad when the hospital, the doctor's office and the insurance company all give you different answers...

 

[tonyisme]

I make it easier...

Did the gov help you pay your insurance last year? Did you buy thru marketplace?

Yes?

I have a friend who is an agent and deals with this.....i give you her info

 

[RayNY]

Mark, there's many of those types out there.

If I ever hear "I don't want to waste much of your time, but..." I know I'm in for 15 minutes of ranting for a 15 second question.

 

[russelltw]

I love the few that get ridiculously low premiums, but want to think about it.

 

[Tkruger]

Update....

Nutcase actually called the DOI and didn't send in a written complaint. This said the person who took the call agreed xclient was a nutcase.

DOI sided with me and closed the case with no repercussions to me.

Happy NEW YEAR!!

 

[AllenChicago]

I love the few that get ridiculously low premiums, but want to think about it.

Or who pays $57 a month for a $500 OOP plan, and gets upset because part-II of his shoulder surgery will not be covered by his already-met $500 2015 OOP. (Part-I of the surgery was completed earlier this week. Part-II is scheduled for Jan 6, 2016.)

 

[Sherota1]

Or who pays $57 a month for a $500 OOP plan, and gets upset because part-II of his shoulder surgery will not be covered by his already-met $500 2015 OOP. (Part-I of the surgery was completed earlier this week. Part-II is scheduled for Jan 6, 2016.)

Someone who thinks his premium should cover 100% of his medical cost

 

[AllenChicago]

January 25, 2016

Our government is in full denial mode. HHS-CMS wants health insurers to offer "standardized" plans for 2017.

"The government wants to create six plan options at the bronze, silver and gold metal levels, each with standard deductibles, maximum out-of-pocket spending limits and copayments or coinsurance for various services. In addition, primary care and specialist doctor visits and prescription drugs would not be subject to the deductible in the standard silver- and gold-level plans. Consumers in those plans would generally make a flat copayment for those services from the beginning, such as $30 for a primary care visit, instead of owing the entire amount until they meet their deductible for the year.

The change is part of the government’s proposed regulation that sets out the benefit standards for plans sold on the health insurance marketplaces in 2017.

Because insurers wouldn’t be required to offer standardized plans under the government’s proposal, it’s unclear whether the new plans would be widely available or if they would carry significantly higher premiums than other marketplace offerings."

Given that insurers are losing money with current plans, its ludicrous for Uncle Sam to even think that they'd come onboard to sell standardized QHPlans.

Story: New Federal Standards For Marketplace Plans May Reduce Out-Of-Pocket Spending | Kaiser Health News