matttyl said:
Mystery Achiever said:
As open enrollment approaches, I was interested in others experiences on rate and coverage changes for 2015. I was prepared for a rate increase, but Anthem is also implementing additional back door increases by raising out of pocket max and all deductibles (exc generic drugs which actually went down). More for less. Yay ACA.
Where are you from? In my area, that carrier (technically Blue Cross Blue Shield) isn't raising their rates too much (mostly under 10%), but they are doing the higher max OOP as well as shifting around their drug formulary to get people paying more out of pocket.
CT, but seems similar. It is only 8% rate increase (They filed for 12% IIRC). Copay changes: Primary doc +$10,
Specialist +5, Tier 2 Drug +20, Emergency Room +50. Mental health hospitalization (both in/outpatient) have $500 copay (zero before), PET scan from 75 to 400