Hi. Thank you all who read this. I am a
36 year old healthy male in Delaware who 3
years ago tore my ACL in my left knee. My
doctor advised PT over going under the
knife. Last year when I switched
insurance companies (to AETNA) I was
bumped up to a higher risk rating where my
premiums are 50% higher due to NOT having
had surgery to correct my knee when it was
injured. I have written AETNA twice to
dispute this but each time their response
is that healthy people should not be
subsidizing high risk people like me and
that since my knee wasn't operated on they
are keeping the rating where it is. From
a medical standpoint, I feel that "my knee
is as clinically stable now as it was
before the ACL tear." My orthopedist
actually used those words in the last
entry for my charts once PT was over.
From a financial standpoint, I don't feel
I should be subsidizing AETNA's $30mil a
year CEO. Has anyone had a similar
situation where you had to fight to have a
risk rating reduced and if so what course
of action did you take?
