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Old 10-21-2013, 04:35 PM
 
Location: Carpenter Village, Cary
386 posts, read 671,564 times
Reputation: 269

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Has anyone found any simple grandfathered health plans yet? One that will work in the Wake County area?

My new BCBS premium is set to double. The similar CoventryOne plan is just a few dollars less per month. And my husband's employer hasn't even told them when they will tell them anything! I usually skip their option as they include too many extras, but those extras are now being forced on us.

Any other options?
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Old 10-21-2013, 05:29 PM
 
Location: Phoenix, AZ > Raleigh, NC
14,298 posts, read 17,497,824 times
Reputation: 22122
If you currently have individual health insurance, and that policy was in force on or before March 23, 2010, contact the health insurance carrier you currently have. They will have the information on grandfathering your policy. It is my understanding (but I'm not 100% positive) that you cannot change to another company that is offering grandfathered policies.

If that policy was NOT in force prior to March 23, 2010, you cannot grandfather it. So there's no point in looking for one. You'll have to buy from the federal exchange as an individual, or arrange to get a group policy through your employer or a spouse's employer.
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Old 10-21-2013, 07:32 PM
 
1,155 posts, read 1,847,362 times
Reputation: 1537
I think JK is right about all the above.
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Old 10-21-2013, 09:23 PM
 
Location: Carpenter Village, Cary
386 posts, read 671,564 times
Reputation: 269
Apparently my policy is not one that can be grandfathered. It's gone. No more. Bye-bye. Can't pick it.

Also a person can change to a grandfathered plan. It's the PLAN that has to be grandfathered, not the person. As long as certain criteria are met, such as the plan being continuous and having at least one person enrolled in it from before that 2010 date (and other criteria), it can still be used. I just wondered if any exist in our area to which I may move.
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Old 10-21-2013, 10:30 PM
 
7,695 posts, read 12,841,965 times
Reputation: 9599
My plan was grandfathered, but does that mean it will be the same price ??
I assumed it would just have the normal yearly increase but I am now worried it may
jump in price..
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Old 10-22-2013, 05:16 AM
 
406 posts, read 606,299 times
Reputation: 282
Grandfathered plans have the same coverage but the price goes up every year as healthcare costs rise.

I have a BCBS grandfathered plan and will likely keep it but I don't think they are enrolling more people in the plan. My plan went up $17 a month for 2014 as health insurers must spend 80% of the premium on healthcare expenses so that has been keeping the increases lower than they were in the past.
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Old 10-22-2013, 07:38 AM
 
5 posts, read 6,788 times
Reputation: 10
My family's BCBS grandfathered plan more than doubled for 2014. This is through my spouse's employer. We had to switch to a HDHP BCBS plan to make it affordable. Otherwise we'd be paying more than $900 a month just for healthcare (not including dental plan, etc).
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Old 10-22-2013, 07:54 AM
 
1,495 posts, read 3,273,597 times
Reputation: 1411
they want to increase ours $600 a month!
My husband found Assurant through USAA that is only raising $75 a month
I'm sure you don't have to be a member of USAA to qualify
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Old 10-22-2013, 08:13 AM
 
1,511 posts, read 1,728,959 times
Reputation: 1631
My wife and I have major medical with a $10,000 deductible. It was $100 a month for both of us, but BCBS sent us a letter saying it will be $400 a month! There is no way i'm paying $4,800 a year for junk insurance. Unless we find something similar we will be dropping our insurance. [Mod cut: This is the Triangle board, not P&OC; no national politics here]

Last edited by RedZin; 10-22-2013 at 05:19 PM..
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Old 10-22-2013, 10:06 AM
 
Location: Holly Springs
3,861 posts, read 9,273,111 times
Reputation: 2995
Similar circumstances here. Carried a BCBS 10k deductible plan for the family, no need to carry a low deductible, and poof, vanished. My premiums go from $267/month to $869/month for a plan that is really not much better and I have no need for anyway. I will basically be paying another 7k a year for a $4500 break on a deductible. I have not decided what route to go yet, but I am not paying that.
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