Thursday, December 10, 2009

BCBS Michigan Fans the Fear

With a redesigned invoice, BCBS Michigan has taken the opportunity to add a couple of announcements.

BCBS will only send one bill a month. (They do that already unless you're late and sent a reminder.) But to be more "environmentally friendly and reduce administrative costs" - no more reminders.

"Please pay your bill by the due date. If your coverage cancels, you may have to wait 12 months to reapply."

BCBSM bills a month in advance, so my Dad's bill, which is due this month, is for January's insurance premium. While BCBSM has the luxury of being paid a month ahead of due date, their customers have no grace whatsoever.

Dad's BSBSM premium went up 30% since last year. Dad is 82. BCBS does offer a way to make sure they don't cancel you and make you wait 12 months to reapply - sign up for the automatic payment plan. Apparently there are fewer "administrative" costs involved in snagging their premium right out of your bank account.

This is health care insurance in Michigan. In the middle of an attempt to be more reasonable about health care coverage and medical costs in America, BCBSM shows us why health care reform is necessary.

Dad and I are enjoying the new sales message at the top of the invoice, too. "My Blue. My life. My health plan."

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