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View Diary: Today Obama wins even more supporters! ACA required MLR rebate arrives in the mail. (123 comments)

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  •  Grandfathered plans (2+ / 0-)
    Recommended by:
    dewtx, Lujane

    Like the rest of the ACA benefits, this benefit will not affect plans that are grandfathered in. What plans are those? ANY plan still in effect that was written before September 2010.
    I was wondering how soon the major carriers would start compliance with MLR. I'm very happy to see it happen this soon. I didn't expect to see this begin til next quarter, and I am shocked that BCBS is sending rebate checks. I thought the insurers would instead lower premiums or deductibles.
    Now the fun begins, as people begin talking to one another and try to figure out why some people are getting checks and others are not.
    If you have had your plan since before September 2010, you will not be getting a check. In fact, those plans can continue to raise premiums sky high, reap maximum profit and deny claims.
    If your plan is a group plan (like through work) you and your co-workers should start agitating to get a new plan. If you have an individual plan, then it doesn't hurt to put in an application for a new plan. Just consult an insurance agent!

    •  Not totally accurate. (1+ / 0-)
      Recommended by:
      Glass Navel

      I'm not familiar with all the details of the ACA. However, as I also mentioned in a previous comment to trillian above, I have had my particular individual plan with BCBSTX since 2008, and I did in fact receive a MLR rebate check from them. So at least the MLR rebate conditions of the ACA applied in my case.

      These are troubling times. Corporations are treated like people. People are treated like things. ... If we ever needed to vote we sure do need to vote now. — Rev. Dr. William Barber, II to the NAACP, July 11, 2012

      by dewtx on Sat Jul 14, 2012 at 04:29:48 AM PDT

      [ Parent ]

      •  Also the letter that came with the rebate said: (0+ / 0-)

        "The rebate is required by the Affordable Care Act - the health reform law." This was in the very first paragraph of the letter, which implies, at least to me, that BCBSTX was sending out the rebate because it was a requirement of the ACA.

        If instead BCBSTX was doing it voluntarily for the benefit of their policy holders, I would have thought they would have made that clear in their letter also--it sure would have made for good public relations for them in that case. So it appears to have been because of the ACA requirement rather than a voluntary action on BCBSTX part.

        These are troubling times. Corporations are treated like people. People are treated like things. ... If we ever needed to vote we sure do need to vote now. — Rev. Dr. William Barber, II to the NAACP, July 11, 2012

        by dewtx on Sat Jul 14, 2012 at 09:41:47 AM PDT

        [ Parent ]

    •  I've had Tufts for a decade (1+ / 0-)
      Recommended by:
      dewtx

      and got a notice of a credit of $1,334 the other day.

    •  You're spreading misinformation (1+ / 0-)
      Recommended by:
      dewtx

      Not all parts of the act are waived for grandfathered plans.  If that were the case the ACA would be absolutely toothless.  How many people have health insurance plans they signed up for only in the last two years?

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