Is Short Term Insurance the Answer? (Obamacare)

self

[Vermont Lt]

God bless.

We can meet up after all of this earthy crap, and compare notes.

Have a great week. Its a beautiful Fall Day here in MA. The world may be going to hell in a hand basket, but the bright sunlight off the saturated colors of the trees just blows me away. It is in my mind, proof of the creator.

[cuban leaf]

Exactly. The more I know, the dumber a world without a creator looks. God bless.

[MayflowerMadam]

Be very careful. DH is retired and won’t go to Medicare until mid-2016. His BCBS took a huge price hike effective Jan. 2016, adding an extra $200/mo. (Evidently, Tennessee insurance companies were granted the largest percentage increase of all states!)

He spent hours and days searching for alternatives. (As a PhD in Science, he over-researches everything.) He selected a short-term plan offered by a company out of Baltimore. Looked pretty good and included dental coverage which (allegedly) included our dentist as a provider. Payments were automatic, to be deducted from our checking account. They requested a credit card number anyhow — to verify credit rating, we assumed. That was Wednesday.

Friday he called the dentist to set up an appointment and asked, “by the way, I’m confirming that you participate in the xxxx plan because that will kick in in January”. They’d never heard of it. He called the insurance company back and cancelled the entire thing.

Sunday evening as we were headed for church, our MasterCard carrier called to ask if we had made a certain charge in Iowa. We hadn’t. We hung up and called the number on our card to make sure the first caller hadn’t been conning us. She was not. Yes; someone had tried to charge to our card.

We’d had this card and number for 30+ years with never a problem. So we’ll get new cards this week and even as we speak, he’s on the other line cleaning up the mess. Bottom line: We feel this was not a coincidence, and perhaps this company is a fraud or, at the least, possibly will do bad things to you if you cancel.

Anyhow, be careful. Go with a reputable larger company if you go short-term.

We were impressed with MasterCard to have identified a purchase as a possible fraud. The amount wasn’t large, but the purchase was outside of our normal pattern so they were alerted.