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Riddle Me This: A Health Insurance Premium Update

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So, a few weeks ago, we noted this challenge:

I’ve gotten $100 back from my auto insurance company because of the decrease in traffic. With health care utilization down as much as 70%, where’s my check from my health insurance company?

At the time, we posited a few answers, and were even provided a credible rebuttal:

Only 3% of our April claims were COVID related. And no guarantee the avoided elective procedures won’t skyrocket now. Not the same thing.”

But that was then, and this is now.

A small group client just received this from Anthem:

We continue to look for ways to provide support and financial relief to you and your employees during the COVID-19 emergency.

Shelter-in-place orders across the country have caused significant disruptions to traditional patterns of care. As a response to these challenges, we are supporting our customers by issuing you a premium credit based on your April 2020 invoice.”

That is, a credit on their August premium representing 10% of what they paid in April. Is this too little too late, or simply a nice gesture acknowledging the pain we’ve all been experiencing? I’m in the “don’t look gift horses in the mouth camp,” and grateful.


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