If there’s one group of Americans who don’t carry their weight and need to pay more money to the healthcare industry, it’s those layabout senior citizens! That’s why their Medicare drug premiums are increasing by an average of 31% for the 10 most popular plans beginning in 2009. If you were with Humana, formerly the cheapest Medicare drug plan you could get (its premium was $9.51 in 2006), you can expect to pay $40.83 per month in 2009, an increase of 60% over this year’s rate. As you would expect, Humana is no longer the cheapest option—so it may be time to shop around for a new plan.
Nothing says “I love you, Mom,” like some more medicine for her diabetes, or “You’re the best, Dad,” like a refill of nitro tablets. That’s why the health insurance company Highmark is offering new Healthcare Visa Gift Cards—for about $5 plus an unspecified shipping and handling fee, you can load it with anywhere from $25 to $5,000 to be used exclusively on medical expenses. After the first 9 months, the card emerges from the womb of “I already paid for this!” and starts charging you a monthly $1.50 maintenance fee. Won’t your kid be excited come Christmas morning when she finds out her staph infection is going to get treated?!
But when she filed a claim with her insurer, Conseco, it said she had waited too long. Then it said Beehive Homes was not an approved facility, despite its state license. Eventually, Conseco argued that Mrs. Derks was not sufficiently infirm, despite her early-stage dementia and the 37 pills she takes each day.