Welcome, Guest. Please login or register.
January 17, 2018, 02:28:42 AM

Login with username, password and session length

  • Total Posts: 725184
  • Total Topics: 59104
  • Online Today: 297
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 AM)
Users Online
Users: 1
Guests: 255
Total: 256


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Texas High Risk Pool raises rates 10% on August 1st  (Read 1563 times)

0 Members and 1 Guest are viewing this topic.

Offline hotpuppy

  • Member
  • Posts: 555
Texas High Risk Pool raises rates 10% on August 1st
« on: July 09, 2010, 11:15:56 AM »
News + Rant + Analsysis:

Texas Risk Pool is raising it's rates by 10% on August 1st.  Citing higher costs and on the heels of a 5% increase on January 1st.  They are also rolling out premium subsidies for those making less than 300% of FPL (Federal Poverty Level).

Before you get excited, let me point out the rest of the story.

First off, I'm 37, don't smoke (use tobacco) and live in 770 (region 6).  My premium was already an astonishing $430/mo.  It will now be $510/mo.  It was $39x 18 months ago.  Holy inflation-shock Batman!

So now for the critique and a story along the way.  I received the letter in the mail.  Hardly anything good comes addressed to me in an envelope with a return address starting with "Texas Risk Pool".   I opened the letter and was unpleasantly surprised to see a mid-year rate increase.  So much for the promises of the last letter promising to hold rate increases back.... like a snarling dog in a downpour on a fraying leash made of toilet paper.  (btw TP dissolves in water)  So I read down and noticed that it held out the promise of rate subsidies.  I thought for a brief moment that rate relief had finally arrived.  The letter went on to torture by reminding me that the Texas law that established the risk pool mandated that coverage be 200% of the average for the region I live in.  Gee thanks, pass the KY please Mr. Legislator.  I suppose the insurance companies say the same thing.  You see, the law requires that any losses be passed on as assessments to the insurance companies, divided by market share.  So in the end, they get screwed by not providing coverage or affordable coverage to poz people.  

So, great, a 2 week warning that I had a 10% increase coming in my insurance.  Um, yea, if you're gonna bend me over, can you please take the sand out of the equation? It hurts enough without lube.

Now, the tease of rate relief really pisses me off.  First, like anyone making $32,000 a year is going to be paying $510/mo for insurance?  um, maybe..... but I'm sure both of them have a good reason for it.  In all honesty, I suppose someone who is in the risk pool but not poz would meet this condition.  But with 20% co-insurance and deductibles they are probably living in a large cardboard box with hand drawn art on the walls.

But, the irony of it still struck me..... ADAP kicks in at 300% of FPL+10K in texas.  So essentially what they were saying is that, subject to available funding, after pre-existing clause limits wore out (1 year), they would subsidize $170 of my insurance cost if I chose to have insurance instead of Ryan White care.  Gee how f-ing generous of them.  Now I'm sure, somewhere, there is someone who shaves their pennies and polishes their nickels that will benefit from this.  I just find it strange considering that everyone I know who is under that FPLx3 number has a hell of a time eating, paying rent, and paying for gas and car insurance..... let alone health insurance.  

We need real solutions, not another session of being bent over and told how good this feels.
Don't obsess over the wrong things.  Life isn't about your numbers, it isn't about this forum, it isn't about someone's opinion.  It's about getting out there and enjoying it.   I am a person with HIV - not the other way around.


Terms of Membership for these forums

© 2017 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.