And Now A Note From The Department Of Gobbledygook

The calls started coming in last week. 

   Dave, I want to keep my current policy. 

Well of course you do.  We had this conversation in October. 

   Yeah, well I got a letter that said that I had to call in to Medical Mutual if I      want to keep my policy, so I called you. 

You got a letter?  I wasn’t copied.  I have no idea what you’re talking about.  Would you read the letter to me? 

The client read the letter to me over the phone.  It was long and rambling and sounded more like a request for him to dump his old cost effective policy in favor of a new contract than anything else. 

That came from MMO? 

   Yes.  It came in today’s mail. 

Do me a favor.  Scan and email it to me or fax it over. 

The letter had, in fact, been sent by Medical Mutual to the client.  Identical letters were sent by the insurance companies to all insureds with non-grandfathered policies.  Identical.  The letters were prepared by the Department of Health and Human Services (HHS).  The insurance companies were forbidden to move a comma.  If the objective was to confuse and/or frighten the people who have to this point avoided the government’s website, then they have finally managed to find an achievable goal. 

Some Americans are well-served by the new health care law.  If you are purchasing insurance for yourself and your family and you

• Need maternity coverage
  
• Have preexisting conditions
  
• Would qualify for a premium subsidy
  

You might benefit from a new health insurance policy.  But if you are healthy and/or don’t qualify for the subsidy, you probably want to keep your old policy. 

A surprisingly large number of people want to keep their old policies. 

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