Montana Insurance

Empire Blue Cross Blue Shield health insurance to 9.5 million New Yorkers, said yesterday he was Drop-group coverage of more than 100000 members of the profession and professional associations and brotherhood orders .

The groups to lose, includes 700 lawyers, members of the State Bar Association, several hundred members of the New York Association of Independent Schools, more than 100 foreign journalists at the Federal Affairs Press Association and dozens of other Peekskill groups like the Chamber of Commerce and New York Women in Film.

Empire, the nation’s largest insurer nonprofit, he said on abandonment of the policy of the association due to higher spending was the worst experience a trend of consumers and insurers in region: the health of a group of young members of divorce, because they find insurance costs elsewhere. Moving elderly and leaves sicker members, have no other choice. Reich said that medical expenses for members has increased sharply, he lost money on them, even after the sharp increase in premiums.

Bill Clifford, a vice-chairman with Frank Crystal & Company, New York, insurance brokerage, said: “Very few companies want today associations.” He said, some insurance companies lost vast sums in recent years of its activity with the associations.

But because the scope of rights and obligations specific to New York and it is forbidden to reject candidates, while other members of the association can buy Blue Cross insurance as individuals. They have fewer medical services in most cases, however, and I pay higher prices.

For example, Jay C. Lipner, a lawyer, AIDS has for four years, said he would have to pay $ 11000 per year for its new Blue Cross coverage, compared to $ 3000 by the Law Society. If you have a serious illness, and consider your group breaks, you’re out in the cold, “he said. Group of lawyers replacements

James Moore, a lawyer from Rochester, Head of the State Bar Insurance Committee, said lawyers instead of his group was Blue Cross with the hedging policy on mutual benefit Life of New York and New York Life Insurance Company. “You have to do a health test,” he said.

He added that premiums have risen before the Blue Cross plan has been abandoned, nearly 2000 members of the Association of Health.

“Brüderliche organizations and professional associations are very different by employers,” said Michael Blumenfeld, Empire Blue Cross, vice-president. “Some people may association whose main goal is health insurance.” Unlike humans, their insurance by an employer, he said, members of the group “if the prices go up.”

Most other insurers not to accept different customers, have serious health problems, and some are just groups because they are considered less risky.

The Association of Mutual of Omaha Insurance Company, for example, said it had sold 40000 members to the policy of New York, associations met his health. Many have joined the insurance National Small Business United, an advocacy group business of the mutual insurance agents Omaha.

John Wales, Executive Vice President, Washington with National Small Business United, said that insurance companies would insist on the fact that human beings, which it considers as “good risks”, until the laws were modified so that some insurers may not move the State of the State Health Research clients.

The John Hancock Mutual Life Insurance Company covers only associations whose members are employers with at least 25 employees, said Bill Caulfield, Senior Vice President of Hancock.

More than 30 Blue Cross and Blue Shield plans across the country do business with associations such as the recorder of Montana, Arizona Child Care Association and the Iowa Farm Bureau, said Cheryl van Tilburg, a door Voice at Chicago with the national authorities and Blue Cross Blue Shield Association.