In today's inbox:
I'm writing to let you know that in the next few weeks, Freelancers Insurance Company will be mailing you a rebate check.
We're happy to be sending this rebate to you as part of our commitment to health care for independent workers, and in support of health reforms that were enacted last year.
But to ensure you can receive your check as soon as possible, we need your current mailing address. Please sign in to your account and verify that your address is up to date by next Wednesday, July 17.
Why are we sending you this check? A new guideline made by the Affordable Care Act - called the Medical Loss Ratio (MLR) - now requires insurance providers in New York State to spend at least 80% of premiums on health care services and quality improvement programs, and no more than 20% on administrative costs. Each year, we project how much that 80% will be. In 2012, medical costs for things like prescription drugs and procedures did not rise as much as we estimated, and we were able to help people be healthy and get the care they need for less. In addition to that, we always work to maximize the collective purchasing power of our members where we can to contain costs. In 2012, our costs were managed so well that in addition to having a 0% premium increase in 2013, we are able to provide our members with this MLR rebate.
You'll be receiving more background information with your check, but if you have any questions before then, please feel free to get in touch with my team at (email) or (phone).
Manager of Customer Service
This example illustrates the point Jon Favreau is making in this article - "The GOP Is Terrified Obamacare Could Be A Success". Each time someone gets a note like this in the mail, is one more time people will ask why the GOP wants to repeal Obamacare.