Your Medical Plan $Changes/Increases for 2011?

[bearishgurl]

I have an individual policy and my premium went up 20% October 1 to compensate my ins. co. for now having to accept applicants with pre-existing conditions after the passage of the HCRA. Even if my ins. co. charges many of them an $800-$1500 mo. premium, they are still a “loss” to carry.

My co-pays of $40 primary/$50 specialist/$12 generic drugs and $8,000 yr. co-insurance if I land in the hospital remained the same.

Because of the recent passage of HCRA, I expect my premium will rise => 20% per year until I am eligible for Medicare (assuming it’s still around by then) :={

[UCGal]

My employer has been shifting costs from employer to employee… so my portion went up more than it would have (same with last year). This accounts for a 2% increase this year.

But looking at COBRA rates -to get the actual premiums charged by the insurance company gives me a better understanding of how insurance went up… and it varied widely based on which plan.

My employer offers 3 plans that are self managed (serviced by a large provider, but the underlying insurance is provided by the employer). It also offers two HMO’s.

premium change for family coverage:
* High ded. plan with HSA – increase 5.36% YoY
* Typical 80/20 plan – 6.27% YoY
* PPO plan – 6.8% YoY
* Anthem HMO – 25%
* Kaiser HMO – 6.6%

So – Anthem jacked the rates up a lot more than the other 4 plans.

I have similar data for last year… Anthem increased 11% for 2010, compared to 5-6% for the other plans.

I suspect Anthem is losing even more customers based on this.

[UCGal]

My employer has been shifting costs from employer to employee… so my portion went up more than it would have (same with last year). This accounts for a 2% increase this year.

But looking at COBRA rates -to get the actual premiums charged by the insurance company gives me a better understanding of how insurance went up… and it varied widely based on which plan.

My employer offers 3 plans that are self managed (serviced by a large provider, but the underlying insurance is provided by the employer). It also offers two HMO’s.

premium change for family coverage:
* High ded. plan with HSA – increase 5.36% YoY
* Typical 80/20 plan – 6.27% YoY
* PPO plan – 6.8% YoY
* Anthem HMO – 25%
* Kaiser HMO – 6.6%

So – Anthem jacked the rates up a lot more than the other 4 plans.

I have similar data for last year… Anthem increased 11% for 2010, compared to 5-6% for the other plans.

I suspect Anthem is losing even more customers based on this.

[UCGal]

My employer has been shifting costs from employer to employee… so my portion went up more than it would have (same with last year). This accounts for a 2% increase this year.

But looking at COBRA rates -to get the actual premiums charged by the insurance company gives me a better understanding of how insurance went up… and it varied widely based on which plan.

My employer offers 3 plans that are self managed (serviced by a large provider, but the underlying insurance is provided by the employer). It also offers two HMO’s.

premium change for family coverage:
* High ded. plan with HSA – increase 5.36% YoY
* Typical 80/20 plan – 6.27% YoY
* PPO plan – 6.8% YoY
* Anthem HMO – 25%
* Kaiser HMO – 6.6%

So – Anthem jacked the rates up a lot more than the other 4 plans.

I have similar data for last year… Anthem increased 11% for 2010, compared to 5-6% for the other plans.

I suspect Anthem is losing even more customers based on this.

[UCGal]

My employer has been shifting costs from employer to employee… so my portion went up more than it would have (same with last year). This accounts for a 2% increase this year.

But looking at COBRA rates -to get the actual premiums charged by the insurance company gives me a better understanding of how insurance went up… and it varied widely based on which plan.

My employer offers 3 plans that are self managed (serviced by a large provider, but the underlying insurance is provided by the employer). It also offers two HMO’s.

premium change for family coverage:
* High ded. plan with HSA – increase 5.36% YoY
* Typical 80/20 plan – 6.27% YoY
* PPO plan – 6.8% YoY
* Anthem HMO – 25%
* Kaiser HMO – 6.6%

So – Anthem jacked the rates up a lot more than the other 4 plans.

I have similar data for last year… Anthem increased 11% for 2010, compared to 5-6% for the other plans.

I suspect Anthem is losing even more customers based on this.

[UCGal]

My employer has been shifting costs from employer to employee… so my portion went up more than it would have (same with last year). This accounts for a 2% increase this year.

But looking at COBRA rates -to get the actual premiums charged by the insurance company gives me a better understanding of how insurance went up… and it varied widely based on which plan.

My employer offers 3 plans that are self managed (serviced by a large provider, but the underlying insurance is provided by the employer). It also offers two HMO’s.

premium change for family coverage:
* High ded. plan with HSA – increase 5.36% YoY
* Typical 80/20 plan – 6.27% YoY
* PPO plan – 6.8% YoY
* Anthem HMO – 25%
* Kaiser HMO – 6.6%

So – Anthem jacked the rates up a lot more than the other 4 plans.

I have similar data for last year… Anthem increased 11% for 2010, compared to 5-6% for the other plans.

I suspect Anthem is losing even more customers based on this.

[aldante]

My company is paying the same % as they always have so this is a true increase to me. 12.6%. And my co-pay goes from $20 to $25 (in 2006 it was $10). BTW this is with Kaiser.
I guess Bernanke is wrong (is that even possible?) that inflation is tame.

FM

[aldante]

My company is paying the same % as they always have so this is a true increase to me. 12.6%. And my co-pay goes from $20 to $25 (in 2006 it was $10). BTW this is with Kaiser.
I guess Bernanke is wrong (is that even possible?) that inflation is tame.

FM

[aldante]

My company is paying the same % as they always have so this is a true increase to me. 12.6%. And my co-pay goes from $20 to $25 (in 2006 it was $10). BTW this is with Kaiser.
I guess Bernanke is wrong (is that even possible?) that inflation is tame.

FM

[aldante]

My company is paying the same % as they always have so this is a true increase to me. 12.6%. And my co-pay goes from $20 to $25 (in 2006 it was $10). BTW this is with Kaiser.
I guess Bernanke is wrong (is that even possible?) that inflation is tame.

FM

[aldante]

My company is paying the same % as they always have so this is a true increase to me. 12.6%. And my co-pay goes from $20 to $25 (in 2006 it was $10). BTW this is with Kaiser.
I guess Bernanke is wrong (is that even possible?) that inflation is tame.

FM

[enron_by_the_sea]

I have one of those great plans with – 0 deductibe, 0 copays through my employer. As a result of “HCR” I will probably have to start paying $10 copays and 10% coinsurance for hospitalization now, Sigh! (I realize it is still pretty good! Not complaining).

My employer is certainly paying more- don’t know how much

[enron_by_the_sea]

I have one of those great plans with – 0 deductibe, 0 copays through my employer. As a result of “HCR” I will probably have to start paying $10 copays and 10% coinsurance for hospitalization now, Sigh! (I realize it is still pretty good! Not complaining).

My employer is certainly paying more- don’t know how much

[enron_by_the_sea]

I have one of those great plans with – 0 deductibe, 0 copays through my employer. As a result of “HCR” I will probably have to start paying $10 copays and 10% coinsurance for hospitalization now, Sigh! (I realize it is still pretty good! Not complaining).

My employer is certainly paying more- don’t know how much

[enron_by_the_sea]

I have one of those great plans with – 0 deductibe, 0 copays through my employer. As a result of “HCR” I will probably have to start paying $10 copays and 10% coinsurance for hospitalization now, Sigh! (I realize it is still pretty good! Not complaining).

My employer is certainly paying more- don’t know how much

[Author]

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