I open the envelope, and tears flow... along with some expletives. Yes, come February 2013, they are increasing my premium another $150 PER MONTH. That's $1,800 more each and every year. At least until next Februaryn when it will most likely increase again. For those who may not remember or be following along, that brings my premium up to $950/month - JUST FOR ME. And, I have a very high deductible
And I begin to wonder. How can cancer not be affecting this decision for Anthem Blue Cross to increase my premium a second year in a row. Last year the increase was by $100 per month. This just has a hint of discrimination to me. Someone who has always paid her premiums, always had health insurance, and been reasonably healthy all my life, until cancer.
So, after an hour wait on hold with Blue Cross (1/2 hour holding to get someone to answer, another 1/2 hour to wait once I was transferred), I get a very nice and calming rep named Fleta. Fleta explains that there are other more affordable plans I would normally be eligible for, but with my pre-existing condition (cancer), there is no way underwriting would accept a change. So I must wait until 2014 and hang in there and be patient. This is when pre-existing conditions will no longer be considered for insurance and plan changes.
She did a wonderful job of explaining everything, and seemed very understanding, a cancer survivor herself; but explained that even in January 2014, things may not change quickly and I may need to be patient again. Because you see, the millions of uninsured will then be flooding the system as well. But the age bands will change somewhat then too, and that will be in my favor. So, although I was in tears again at the end of the call, she did help to calm me and help me to understand the situation.
Thank you Fleta; I guess.
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