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FIB - Scams 101 - Ye Olde Archives

Re: Incrementalism

Posted By: Dennis Bevers <bassco2@bellsouth.net>
Thursday, 22 December 2005, at 8:27 a.m.

In Response To: I agree, but something is really REALLY wrong here.... (MaaMaw)

Lesley,

BC/BS cannot single out group insurance members for a rate increase. So, they are forced to raise premiums for the entire group, or not at all.

However, individuals covered by BC/BS can see increases on their policy every year, whether or not they had any claims. Somewhat a case of BC/BS treating all individual policy holders as a group in itself.

BC/BS operates as different companies in different states, so rates can and do vary based on your residence.

Those individuals who join this year have no claims against the company, so qualify for the best rate, unless they have existing conditions that exclude them. Those who are excluded can only get coverage by carrying over their eligibility from another health insurance company. (Portability was added a few years back, as so many change jobs, not necessarily by choice, that the two year exclusion for pre-existing conditions left them un-insured for the first two years everytime they moved.)

I'm not an insurance agent (Duh, I have no health coverage), so take my opinion with a grain of salt.

Lubya,

Dennis

My home-based bizopp alternative to getting a job.

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You'll find great information in this "Read Only" Archive, but remember..... things change.
Be sure to visit the Current Message Board when you're finished here.

We're very friendly, so don't be shy... just jump right in and post your question.
Scams outnumber legitimate biz ops about a bzillion to one, so it's well worth your time.



NOTICE TO SCUMBEEZLES
(you know who you are... you scream "Foul!" when the truth comes out)
        PLEASE READ THIS LEGAL NOTICE CAREFULLY BEFORE YOU FILE A LAWSUIT OR EVEN WASTE TIME THINKING ABOUT IT.  It has been done before, but never successfully.  In fact, the last dodobird who tried it ended up being ordered to pay more than $77,000 in attorney fees ($65,000+ to my attorneys and $12,000+ to my co-defendant's legal advisor).
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        Do yourself a favor and turn your legal team loose in greener pastures.

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