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Document at 80 characters per line
1 I am writing this to express my concern and frustration at your company=s
2 ever increasing health insurance rates. Your letter dated December 29, 2000
3 states that my rates have increased in order to Areduce the costs@ and
4 Amaintain quality coverage and service@ and my rate increases are a Atrade-
5 off for improvement in the quality@ of my families health care coverage.
6 My policy with your company has been in effect for 3 2 years. During that
7 time, I have seen my rates increase from $1836.48/year in August of 1997 to
8 $3855.52/year beginning February 2001. This represents an increase of
9 about 110%, or approximately 33% per year. At the same time, my deductible
10 has risen, from $3000.00 in August 1197 to $3200.00 beginning February 2001,
11 representing an approximate 7% increase. Yet my benefits have decreased in
12 my PPO coverage; for example, in February 2000 a $40.00 office visit was re-
13 priced at $30.00; however, in August 2000 a $40.00 office visit was re-
14 priced at $34.50. This represents an approximate 14% decrease in my
15 benefits, and an approximate 14% increase in my out of pocket expenses.
16 I fail to see where the Aimprovement in quality@ is a Atrade-off@ for my
17 higher rates, as I have never filed a claim with your company. Perhaps an
18 explanation from one of your representatives will help me understand why I
19 must continue to pay more money for less service, and I will be filing a
20 complaint with the Indiana State Insurance Commissioner to that effect.
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Document at 65 characters per line
1 I am writing this to express my concern and frustration at
2 your company=s ever increasing health insurance rates. Your
3 letter dated December 29, 2000 states that my rates have
4 increased in order to Areduce the costs@ and Amaintain
5 quality coverage and service@ and my rate increases are a
6 Atrade-off for improvement in the quality@of my families
7 health care coverage.
8 My policy with your company has been in effect for 3 2
9 years. During that time, I have seen my rates increase from
10 $1836.48/year in August of 1997 to $3855.52/year beginning
11 February 2001. This represents an increase of about 110%,
12 or approximately 33% per year. At the same time, my
13 deductible has risen, from $3000.00 in August 1197 to
14 $3200.00 beginning February 2001, representing an
15 approximate 7% increase. Yet my benefits have decreased in
16 my PPO coverage; for example, in February 2000 a $40.00
17 office visit was re-priced at $30.00; however, in August
18 2000 a $40.00 office visit was re-priced at $34.50. This
19 represents an approximate 14% decrease in my benefits, and
20 an approximate 14% increase in my out of pocket expenses.
21 I fail to see where the Aimprovement in quality@ is a
22 Atrade-off@ for my higher rates, as I have never filed a
23 claim with your company. Perhaps an explanation from one of
24 your representatives will help me understand why I must
25 continue to pay more money for less service, and I will be
26 filing a complaint with the Indiana State Insurance
27 Commissioner to that effect.
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