Dear Anthem Blue Cross of CA:
I made a deal with you.
I pay you $130 a month and in exchange, you cover me in a disaster over $5,000. This way the burden wouldn't fall to my family if I were to become paralyzed in a car accident or dealt the heavy financial blow of cancer. A lot of "ifs" for $130 a month but it's an insurance policy.
I'm just wondering what changed about that deal? I mean, I have paid you faithfully for 2 1/2 years, I was never late for payments, even though I've been unemployed for a very long time. I've even decided you over my student loans & credits cards. (By the way, they are quite jealous, calling me every few hours...)
But you want me to pay more now? I mean, I can't afford to pay more. I have a certain amount of bills I pay each month and you changing me an extra $30 just doesn't seem right to me. It's not going to break my bank, but it does make me have different choices at the grocery store.
I'm also wondering, because you're charging me more, do I get BETTER insurance? Because, I do remember that letter a year ago that stated you're actually going to charge me more for prescriptions and doctor's visits. I didn't really complain that you changed the terms on me, giving me less for what I originally signed up for.
I spent some time looking over insurance plans and decided yours was the one I could pay for and yours was the one that covered what I wanted. When you changed the terms, it didn't really feel like my choice anymore...
Isn't this a two way street? Don't I get a say in this? I mean, I understand if it's harder to cover people, but couldn't you just raise the rates for new customers. Probably not the nicest thing you can do, but I understand you're a business. I mean, when I go into a store and get something cheaper than my fellow consumer, it's probably because I bought it at the right time.
I'm also a really faithful customer. Have been for over 2 1/2 years. And, for my current health status, the prescription pill that I take, one that costs almost $1,400 a month, you don't cover. But, I've already forgiven you guys for that one. I mean, why would you take my $130, if you you already have to pay $1,400... not good business. And you are in this to make money. Because, health coverage isn't something that I need, just something that would be nice. It would be nice to take my pill once a day so that I don't get sick.
So, please, tell me - what exactly am I getting out of this deal?
How much more are you going to charge me? My friend said he spoke with you and you want to raise rates again in March. And you will continue to raise rates until Obamacare begins in 2014. Is that your way of sticking it to "the man?"
If you raise my rates, I may not be able to afford to pay you. And what happens if that disaster does happen? I mean, it's not like I can prepare to pay $100,000+ for medical coverage if I'm stuck in a wheel chair, or I get some sort of debilitating disease.
And as for my current situation, I can't get further coverage. You see, I have one of those "pre-existing conditions." Remember? The one you fought me over and had to look through all my medical bills to ensure that I wasn't a scam artist. I mean, why would you want to go into business with someone just trying to steal your money.
Anyway, if you raise my rates and I'm unable to pay you, then I can't get new coverage until 2014. I'm sure the state will help me out, but do I really want to keep using them? They don't have an option for me to pay them (those republicans didn't think it was necessary). And I do have $130 now to pay you.
I want to continue giving you money.
I haven't changed my mind or decided to give you less money each month. I kept my end of the bargain up... so, tell me - what changed between the deal that I signed with you and me? I just think I need a more reasonable explanation then you needing more money because frankly, so do I.
PS - When my bank changed cards on me, and my direct deposit didn't go out last month so I called up and you charged me... all that happened - so you can please stop sending me bills every week for money I already gave you. It's been a month.