Mudcat Café Message Lyrics & Knowledge Personal Pages Record Shop Auction Links Radio & Media Kids Membership Help
The Mudcat Cafeawe



User Name Thread Name Subject Posted
GUEST,Louise BS: My GOP Sen's NEW response to HC reform (24) RE: BS: My GOP Sen's NEW response to HC reform 03 Apr 10


I have an inkling of why health insurance companies want to sell across state lines. Have you heard of "limited liability" or "defined liability" health insurance plans? Unlike the common major medical plans that will start paying 100% of your care costs after you've spent several thousand dollars out of pocket, with these new limited liability plans - very common in the individual market now, when you've used up any one of your benefits under the contract that's all you get - not another dime.

The limited liability plan my husband's employer offered this year says right on page one that it does not meet Massachusetts criteria for creditable health insurance. It really is a cherry picking plan meant to be attractive to young healthy people who don't believe they'll ever have a serious accident or get cancer, and it's got to be a very profitable item for the insurer. Given the way our contract is written it's hard to imaging a scenario where the insurer pays more in benefits than it takes in as premiums.


Post to this Thread -

Back to the Main Forum Page

By clicking on the User Name, you will requery the forum for that user. You will see everything that he or she has posted with that Mudcat name.

By clicking on the Thread Name, you will be sent to the Forum on that thread as if you selected it from the main Mudcat Forum page.

By clicking on the Subject, you will also go to the thread as if you selected it from the original Forum page, but also go directly to that particular message.

By clicking on the Date (Posted), you will dig out every message posted that day.

Try it all, you will see.