Or the four words of note that I read today in the December 2009 issue of the Blue Cross Blue Shield of Massachusetts newsletter, Direct to You. They can really hurt a life.
What are the four words? "Premium Delinquency Period Change." There are a few more words in that section of the newsletter.
Effective December 1, 2009, your direct-pay contract will terminate if you fail to pay your premium within 35 days after payment is due. If Blue Cross Blue Shield of Massachusetts does not receive the full premium on or before the due date, the plan will stop claims payments as of the last date through which the premium was paid. This is a change from current policy, which gives direct-pay subscribers 60 days to pay premiums before contracts terminate.
So in this economy, with so many people without jobs, we are now given even less time to pay our health insurance before they terminate the contract. Really nice.
And how many people will even read this newsletter that closely? If you're used to having 60 days to pay and suddenly that time shrinks to 35 days, there could be more than a few people who are shocked if their health insurance is suddenly and unexpectedly cancelled. The new rule went into effect on December 1st. I just received the newsletter today, January 5th.
I was debating whether or not to write this post, but once more, I could not stop myself from writing it. Especially after reading this article headline: Premiums are key issue for health care negotiators. The article states that helping Americans pay their health insurance premiums is on the top of the list for health care reform.
Well that help is badly needed. Especially when insurance companies are giving their customers even less time to pay it. I am so disgusted. How many people will fall through the cracks? And will they survive the fall?
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