This week I received a politely worded letter from Blue Shield of California that was a rude awakening to the fact that this health insurance company is beginning its strategy to tighten the screws on its members.
The letter began by thanking me for choosing Blue Shield and went on to state their appreciation of my trust in them and to ensure me of their commitment to provide me with easy access to quality medical coverage.
Then, in the second paragraph of their polite letter, they dropped their devious bomb.
"Effective January 1, 2010, Blue Shield will no longer reinstate policies that are canceled for nonpayment of premiums. This means that if your premiums are not paid in full and received by the due date, your policy will be canceled and you will need to re-apply for coverage."
Their "newsletter" was accompanied by a three page policy endorsement.
Fortunately I've never been late in paying my premiums - but what about those members whose payment may be late for some justifiable or extremely unfortunate reason?
To me, this stinks of a harsh tactic to force people to reapply and be "re-evaluated" for membership should some dire financial circumstance fall on a member.
This seems to reinforce the case for a "Public Option" that President Obama is proposing.