Medica looks for an edge

  • Article by: JACKIE CROSBY , Star Tribune
  • Updated: March 9, 2011 - 9:39 PM

With a new ad campaign, the health insurer is making its first major push to market directly to consumers.

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paulpalin12Mar. 9, 1110:22 PM

Medica and the other non-profit HMOs in Minnesota steal $109 MILLION of our tax dollars every year. If the conservatives are worried about saving $30 million by busting unions, they should be frenetic about this, right? *crickets*

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liberaleliteMar. 9, 1110:54 PM

Wow, I wonder how many uninsured people could get healthcare for that $250,000. I wonder how many lives could be saved or bankruptcies could be prevented. Often people lack health coverage because they have no (or a poor) job, but they can't get good employment because of chronic health conditions. America can do better.

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julievojoMar. 9, 1111:34 PM

My spouse and I had an individual plan from Medica. We paid nearly $1000 per month for the two of us for a $10,000 deductible. In order to get people to buy this, it needs to be made affordable. Now of course, we're uninsured. We couldn't keep up that premium in today's economy. We're just one accident or illness away from bankruptcy. I'd sure like to have all that money I paid in healh premiums over the years.

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dovewriterMar. 10, 11 6:29 AM

I'm an RN at a hospital here in town and this year we were switched from Health Partners to Medica. It's a nightmare. Medica is a bargain because they deny so much that Health Partners did not. You can only have so many psychotherapy or PT visits for example whereas Health Partners did not limit. My copays went up $25 as well. Or, even if you've tried a bunch of medications that didn't work but now a more expensive one does, they refuse to allow you to have the more expensive one, even when you show documentation from your doctor the others didn't work! My friend's doctor appealed three times to Medica to no avail. Buyer beware: it's less expensive than others for a reason. You will easily spend more with Medica because of all they don't cover and the higher co-pays and deductibles. They just beat you down with paperwork until you finally give up.

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ecofmnMar. 10, 11 7:15 AM

My wife was uninsured last summer before we were married. In anticipation of her becoming pregnant, I shopped for private insurance for her. Found a great HSA plan with Medica that we pay $160/mo for. They have paid every penny of the pre-natal care, doctor visits, ultrasounds, etc. No complaints from me right now, but thanks to Obamacare the costs for everyone are jumping dramatically. It's one of the biggest scams ever known to man.

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pdxtranMar. 10, 11 8:34 AM

ecofmn--There's no such thing as "Obamacare." There is (unfortunately) no public option and no "government health care." There is only a mandate to buy private insurance starting in 2014. That's why many FORMER supporters of Obama on the Left are against it. In essence, the bill explicitly guarantees insurance companies a certain percentage of profit while forcing you to buy high-deductible, high-premium insurance. Your best hope is that individual states use the "opt out" provision to create more rational programs.

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johngageMar. 10, 1110:07 AM

Dovewriter: Keep in mind that your employer may have chosen to have those benefits limited or taken away.

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inspector941Mar. 10, 1110:09 AM

In the near future, most health insurance will cover catastrophic events only. For many, that time has already arrived. The lesser events will be paid out of pocket or via an HSA account. The population of uninsured will continue to grow. It's time to invest tax dollars in OUR people and OUR country rather than being police officers for the world.

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mikejohnson4Mar. 10, 1110:17 AM

Dovewriter - I'll second what johngage said. Your employer chooses which procedures and treatments are covered, not Medica. Health payers administer the policies for companies like yours but package the benefits the employer wants. It really is an ala carte menu.

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eugeneMar. 10, 1110:33 AM

I'll 'third' what johngage and mikejohnson4 said. If someone is on an employer sponsored plan, the employer has chosen your coverage type and limits, based on the premiums the employer chooses to pay an insurance carrier. If you buy an individual policy, you'll have to choose coverage type, as well. Prior to going to any healthcare provider, unless it's emergent, one should either read their health plan documents, or place a call to the member services department at the phone number listed on their insurance card, to see that your visit(s) is/are covered. It will save you and your provider alot of trouble down the road.

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