Tuesday, June 5, 2007

Mass Idiocy

Health insurance plans offered by Massachusetts to residents ages 19 to 26 under the state's health insurance law leave young adults vulnerable to high medical bills because of annual limits and caps on outpatient care and surgeons' fees

Out of pocket on the small stuff, cover the mid-level claims, no cover on the big stuff.

Sounds like donut hole insurance.

Something in the middle, nothing on the ends.

Most of the young adult plans cap annual coverage at $50,000 to $100,000.

A car accident can blow through $50,000 in a matter of days.

State officials say the caps on the student and young adult plans allow insurers to "balance affordability and coverage for what is typically a healthy population," according to the Globe.

Typically healthy as fine as long as you have typical medical expenses.

The Commonwealth Health Insurance Connector has authorized the caps for young adults to lower premiums while banning caps for other age groups with a higher risk for serious illnesses.

True, the risk of serious illness is much greater with age, but then ask Andrew Speaker (age 31) about serious illness. The total bill for his care is estimated at $250,000 - $350,000.

And what about accidents? Have they fixed that dangerous bridge at Chappaquiddick?


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