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FIB - Scams 101 - Ye Olde Archives

Dennis ???

Posted By: The Tim <tim@thetimtimes.com>
Thursday, 22 December 2005, at 9:23 a.m.

In Response To: Re: Incrementalism (Dennis Bevers)

One heart attack or cancer therapy away from bankruptcy(?), or do you have that quarter of a million dollars set aside for such an event? My dad keeps insurance with at least FIFTY THOUSAND dollars deductible because he's only worried about the big bills. Maybe that's a good model for you?

Enjoy.

> 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

Sensibility Without the Static

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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.



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