[JoeRedskin]

Originally Posted by dmek25

its not that i think he banked anything. it just seems like when you and your family are NOT in need of any care, everything is fine with the insurance company. but once you need them, they run and hide. New Orleans is a perfect example of this. and to say they cant pay for a procedure like a heart transplant is just plain crazy. if they cant, who can? now my sister and their family are probably going to be financially burdened for maybe the rest of their lives

The HMO can't b/c it didn't collect premiums for years based on supplying it or other catastrophic losses like that. If the HMO had rated its premium for those types of costs, your brother would have had significantly higher premiums through the years. I pay for the most expensive family plan (a PPO) that my employer offers. It is significant expense BUT (having read the plan) it covers just about everything under the sun. The HMO offered by my employer costs about one-fifth the premium but simply doesn't provide enough coverage to make feel comfortable.