Monday, August 22, 2016

Enough BCBS BS!

Good ol' Blue Cross. Lovely Medicare supplemental insurance plan to cover those extra things that Medicare doesn't quite cover. Like that 20% of the 80-20 plan. You get to sign up at the first of the year for a price of .....

Oh wait. Did we tell you that? Silly us! The real monthly premium will be about an extra $80, but hey, no big thing, right?

Oh, and you remember that thing about signing up the first of the year because it's for a year's coverage? Well, we changed our minds about that. Your renewal date is now in mid-April, and of course we're bumping the premium for your new year up accordingly, say, another $50 a month. But hey, no biggie, right? Your fixed income will adjust somehow, eh? Fewer steaks and luxury shopping, eh? We hear there are some great peanut butters out there, and some actually come from clean factories. Lucky you. Oh, and the nicest part? You don't have to fill in any new forms or anything. You're automatically enrolled in our new plan.

Wait! What? You're having a birthday? You scamp, you, going and getting older on us. According to our tables, at your new age, your premium bump will be another $15 each month. But hey, nothing to sign to authorize it, no new forms, we'll just take it out of your account like we always do. And hey, Happy Birthday! So nice of you to hang around for our new increase!


Stop, already!

There's another plan out there. Because I already have a Type F supplemental plan, haven't had any surgeries for 90 days or other in-hospital events, have no impending surgeries, and haven't quite yet hit that latest point of decrepitude, my next birthday, I qualify to transfer over. My kidneys are fine - their biggest question - and I've never smoked, their next biggest. I don't need to wait till next January. I didn't qualify before my knees were replaced, but that's done now. I just squeak in under their deadline.

So Blue Cross? No more of your BS!

Bye Bye.

We're done now.

Go screw somebody else.

The forms are in the mail. No more of BCBS's BS. Not only is there a much cheaper price, there's a lock both on it and on how much it can increase for the next several years.

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