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View Diary: Health insurance premium growth staying slow, but customers don't notice (39 comments)

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  •  My premiums went up again (0+ / 0-)

    By roughly the same percentage as they do every year. Automatically. My insurer, Anthem/Wellpoint, has also started monkeywrenching with their payment methods. For instance, coverage for mental health counseling has always been a simple co-pay arrangement. Go to the counselor, pay your co-pay, get treatment. This year, however, Anthem started rolling-out a change to their mental health coverage.

    Now, instead of a co-pay, counseling is an out-of-pocket expense, applied to your deductible. This has the effect of raising patient cost from $30-40, up to $80-100 or more each time you see a counselor/psychologist. This is an enormous cost increase, especially when you consider that mental health treatments are often on an every-week basis. This change will effectively eliminate the ability of many people to afford needed therapy.

    The capper is that, if you ask an Anthem CSR about this change, the company line is that it was always supposed to be this way, but they'd been mistakenly been treating mental health as a copay service for the past 30 years or so. Uh huh.

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