Posts Tagged ‘Wellmark Blue Cross/Blue Shield’

Personal Stories of Americans Looking for Health Insurance

Saturday, December 7th, 2013

Just say the words health insurance in public right now and you are likely to incite some type of debate.  It’s a hot button issue because of the Affordable Care Act, people losing health insurance coverage, and a new government site that is running anything but smoothly.  In “Barriers to health insurance: doubt, distrust, and glitches,” Maggie Fox of NBC News gives us three personal stories of Americans dealing with health insurance problems.  One woman has been trying, unsuccessfully, to find a plan on the government website for months.  One man has seen his existing insurance plan canceled and will have to pay considerably more for an acceptable plan.  But he won’t even give the website a chance because of all of the negative talk he has heard.  And another woman’s insurance company has doubled her premiums, but she won’t shop elsewhere because she trusts her current insurer.

The first woman highlighted has tried for more than two months to get an insurance plan on the government website, run by The Centers for Medicare and Medicaid Services.  She has run into countless barriers and error messages in her quest to find affordable health insurance.  Most of the time, she can’t even make it to the sign-in page.  She has received help from the call center and said that the workers were kind and helpful, but they were running into glitches as well.  She will keep trying until the site is working correctly.  Next, a man in Indiana has been worrying about what to do with his health insurance.  His plan was canceled because it does not meet the new requirements.  Without action being taken on his part, his insurance company will issue a “comparable plan” that costs $1,000 more than his original plan each month.  Rather than deal with the headache he anticipates on the government website, he is relying on help from an insurance agent to maintain his insurance.

Finally, the story of a female lawyer from Iowa is highlighted.  She has been paying for individual health insurance from Wellmark Blue Cross/Blue Shield for 16 years.  Her premiums have increased to $11,565 per year.  When asked why she wasn’t shopping for more affordable insurance premiums, she said that she trusts her insurer and appreciates the continuity.  The article authors found plans through the government website that would cover this lawyer ranging in price from $2,820 per year to $7,250 per year.  But she is strong in her conviction that she doesn’t want to comparison shop because she is comfortable where she is.  She does think that the Affordable Care Act will work in the long run to make health insurance more affordable for Americans.  It often takes awhile for new programs to run smoothly, so she is willing to wait it out and hope for lower health insurance premiums in the future.  If you are looking for health insurance, Compare Health Rates can help get you free quotes from multiple insurance companies.