Now, Massachusetts has some of the lowest rates of uninsured in the country, but also faces some of the highest costs of health care. Health insurance companies in the state believe that consumers sign up for coverage for a few months, then the drop is increased costs for the rest of the state.
Blue Cross Blue Shield of Massachusetts had 936 consumers sign up for coverage in 09 and decline in three months or less. All these consumers filed claims over $ 1,000 per month on the plan, which is four times more than the average consumer as The Boston Globe . These monthly premiums Short-term members of the average $ 400 with average claims $ 2,0 per month.
Many insurance companies have witnessed similar results and have been sending reports to the government of Massachusetts.
Governor Deval Patrick filed legislation he believes will solve the problem. In the new law, residents will be allowed to enroll in the twice a year, except those who are facing divorce or unemployment. Also pre-existing conditions would be excluded for six months, but the draft insurance law disease passed by the Senate does allow a three-month waiting period for people with pre-existing conditions.
In addition to these changes, health insurance companies believe that people who have employer coverage should not be eligible for individual coverage. Consumers buy insurance for procedures that are not covered by employers, then abandoned the plan after treatments. Experts believe young adults are also likely to drop coverage because it is cheaper to pay the monthly fee then pay a monthly premium.
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