Showing posts with label health insurance. Show all posts
Showing posts with label health insurance. Show all posts

Saturday, September 4, 2010

Mainers to see insurance rate hike as Anthem granted increase | Bangor Daily News

AUGUSTA, Maine — Maine Superintendent of Insurance Mila Kofman this week ruled on a proposed increase in monthly health insurance premiums by Anthem Blue Cross and Blue Shield of Maine, granting the Indiana-based company an average 14 percent increase for its nongroup individual policies. That’s lower than the 23 percent increase Anthem had requested for the period of July 1, 2010, to June 31, 2011.
An Anthem spokesman said Friday that the company, which could appeal the decision in court, is still reviewing the superintendent's findings.

The smaller increase will do little to relieve Mainers struggling to afford nongroup coverage. Under the 14 percent increase approved this week, for example, a single, 35-year-old adult with no children and a $2,250 annual deductible could pay as much as $509 a month for basic health care coverage. A married couple with two children could pay almost $1,300 a month for the same coverage plan.

The new rates will take effect Oct. 1 and be modified to reflect Anthem’s originally requested start date of July 1. About 11,000 Mainers will be affected by the rate increase.

Click for the rest of this story by Meg Haskell in the Bangor Daily News.

Saturday, February 27, 2010

Comfort food helps ease the sting of rejection

I’m feeling a little piled on lately when it comes to rejection. I batted 1.000 at the end of this week – a rejection notice each on Wednesday, Thursday and Friday.

I’m not sure if it would have been any better if they had all arrived on the same day or if they had come on Monday, Wednesday and Friday or if one of the notices had arrived today, Saturday.

I might have taken it hard – at least, harder than I am anyway – if I had not already moved all three of those jobs into my “REJECTION” folder on my laptop. I give jobs – or, rather, the agencies, organizations or businesses posting a job opening – about one month or so after applying for the job before pretty much giving up on that job. If I don’t hear back from them, I then move the job from “PENDING” to “REJECTION.” It had been a month or longer for all three without hearing anything. Nothing. Nada. Zip. Bubkes.

Note to human resources officials: Let job seekers know if you receive applications and resume packets, and give them a reasonable timeframe in which the hiring process will be carried out. That is especially true when the economy and jobs outlook is so tenuous, as it is now. It borders on cruel and unusual behavior to not contact people who are so very desperate.

I know, I know, I know, some openings draw many applicants. One of the rejection notices I received this week noted that the agency had received about 400 resumes for one opening. But some online or email application processes include an automatic reply that applications or resumes have been received. Including a mention in the email of a hiring process timeframe seems a reasonable request.

To be fair to the three organizations that rejected me last week, others did not even bother to acknowledge receipt of applications and resume packets. Nothing. Nada. Zip. Bubkes.

Listen, we jobseekers knows that you receive hundreds of applications and resume packets – we know, because we are the ones sending out hundreds of resume packets. We’re not asking for false hope, we’re just asking to be given word within a reasonable time whether we can expect to hear about our chances.

Note to human resources officials: I know there must be a reason – low-balling applicants seems the only reason, but there may be real reasons – for not including the salary range on job notices. But including such information helps a jobseeker sort through the openings he or she plans to apply for, thus eliminating for some potential employers a bit of the flood of applications and resumes for certain jobs.

Jobseekers’ time is valuable, too. It is incredibly demoralizing to go through the process of writing a cover letter, individualizing resumes and arranging references for a job opening only to find out midway or later in the process that the salary range cannot support a jobseekers’ cost of living.

I’m not talking extras, just the cost of living. In the past year I have applied for several jobs for which I later learned the accompanying salary would not or would barely cover just basic expenses, let alone health insurance or investment in retirement accounts.

OK, enough of the mini-rant on the job search. I remain optimistic that I will find a job, but not as optimistic as I once was. I am concerned before I find a job I will be forced into to find training for a career change. Which might not be a bad thing.

Oh, how did I handle the rejection? I made myself a very nice, hearty meal that turned around my attitude so I felt considerably – quite considerably – less rejected.

Here’s a tip, if you’re feeling a touch low, sauté some turkey sausage and onions and throw in some legumes, rice, spinach, carrots, garlic and chicken broth. Let it simmer so the aroma fills the home and then serve yourself a large bowl. Top with croutons and Asiago and enjoy, enjoy, enjoy. Comfort food is there to comfort, so let it do its work.

Thursday, February 25, 2010

Mainers protest Anthem rate hike | Bangor Daily News

BANGOR, Maine — From Presque Isle, Deer Isle, Camden and Mapleton, Mainers traveled to Bangor Wednesday afternoon to protest the latest health insurance cost increase requested by Anthem Blue Cross and Blue Shield of Maine.
“The hogs have come to the trough to feed again at the expense of those who use the coverage the least,” said lobsterman Leroy Bridges of Deer Isle, who purchases individual coverage for himself and his wife, with a $15,000 annual deductible each. “If they’re allowed a rate increase even close to what they’re asking, we’ll have to let it go; we got no choice.”

Bridges did not say how much his high-deductible coverage costs, but others at the meeting said similar policies cost close to $500 a month.

Anthem says the 23 percent average increase in the cost of its HealthChoice and Lumenos plans — for people who purchase health coverage individually instead of through an employer or other group — is needed to offset the growing cost and use of health care services and the unique challenges of the insurance market in Maine.

About 11,000 Anthem policyholders would be affected by the increase, which would take effect July 1 if approved.

Click on the link for the rest of today’s story by Meg Haskell in the Bangor Daily News.