Join the conversation to learn more about what’s going on in North Carolina when it comes to the health care issues we all face.
Blue Cross and Blue Shield of North Carolina invites you to learn how we’re fighting to rein in medical costs, and how you can too.
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Let's Talk Cost
from Let's Talk Cost 2011
August 29, 2011
Amy B. commented on September 2, 2011
My group health insurance policy requires that all of the employees have maternity coverage. Why can't each employee
decide if they want that coverage or not. One of my employees is 54 and has had a hysterectomy, the other employee is 39 and has had her tubes tied.
Let's Talk Cost commented on September 2, 2011
Amy, thanks for sharing your question. We’ve passed your question on, and we will be getting back to your shortly with some information. What other medical costs concern you, and how can we work together to rein in those costs?
Patrick Getzen commented on September 12, 2011
VP & Chief Actuary
This is a good question. Many factors may contribute to your premium in addition to what benefits are covered. Maternity is an important benefit for many group customers, and overall adds roughly 2 to 3 cents on the dollar to the average group premium cost. For the group customers who use the maternity benefit, the actual costs would be quite a bit greater. If we allowed groups a choice, some such as yourself may choose to exclude the benefit to save a few percent off premium, but this would also raise premiums considerably for those who choose to cover maternity. By covering a broad range of services, we are more able to keep costs more stable across our customer base and meet the health care needs of as many North Carolinians as possible. A group’s needs may change over time, as individuals unexpectedly develop medical conditions, and as new employees are hired, which is yet another reason why we believe it is important to cover these services for all of our group customers.
Andy M. commented on September 11, 2011
I own an insurance agency in SC...we sell Health insurance, including BCBS, they make things so difficult...for example, why try confusing customer with co-insurance and deductible...why not just simply state to the customer that their out of pocket expense is $$$$.00...(Just one of many ways the insurance companies COULD do business...definitely would earn my praise!)
Bruce Allen commented on September 19, 2011
Hi Andy – thank you for your question and sharing your concern and we appreciate your perspective. We still have a long way to go, but we agree that health insurers need to simplify the way we explain costs. What additional ways do you think we can clear up some confusion?