How To Make Comments

It is important to make comments to the Ohio Department of Insurance before it makes final decisions on rate hikes this summer. Their decisions could come at any time, so the sooner you send comments, the better. Tell them your problem with high prices. The comments go directly to the Ohio Department of Insurance. This is done through SERFF. But if their filing is not available on SERFF, then you can submit your comments another way, which I will explain after I show you the steps to send your comment through SERFF.

This is the page you must go to for access:

Screen Shot 2016-07-21 at 7.36.16 PM

It goes to a page where you click, “I Agree”

Screen Shot 2016-07-21 at 7.36.54 PM

Which takes you to a page where you make your requested entry. For dates, enter January 1, 2017 to December 31, 2017. For market type, choose INDIVIDUAL. That way all the filings come up. There are 57 of them, but they all do not apply. If you put a company name, it might not come up because sometimes filings are made through a different name that you wouldn’t be aware of. For example, you would have no way of knowing that Medical Mutual is filing under the name of Consumers Life Insurance Company. In fact they moved their HMO plans to this (new?) company this year, from what it was under last year, Medical Health Insuring Corporation, which was a new company in 2014.

Screen Shot 2016-07-21 at 7.37.44 PM

Then comes two pages that look like this:

Screen Shot 2016-07-21 at 7.38.14 PM

Screen Shot 2016-07-21 at 7.38.28 PM

You click the “ADD” button in the far right column, then comes this form:

Screen Shot 2016-07-20 at 6.25.17 PM

And when you submit, you get a confirmation like this:

Screen Shot 2016-07-20 at 8.19.07 PM

Here is the SERFF page showing the location of the ADD button where you enter your comments for the rate reviews of Aetna, Anthem, and CareSource. The green highlighted filings for Ambetter, Molina, Medical Mutual and Paramount should be there, but they are are marked, Not Available. Screen Shot 2016-07-23 at 1.55.40 AM

Because the filings are hidden for Ambetter, Molina, Medical Mutual and Paramount, there is no ADD button for your comment. So go to the Ohio Department of Insurance complaint page, here:

It looks like this:

Screen Shot 2016-07-22 at 11.01.32 AM

Just fill it out as if you were submitting a comment on the SERFF page, and title it “2017 rate review comment on __________ company” so they are aware that this is a rate review comment, not a “consumer complaint.” Although it is a complaint, but one that goes to the insurance regulator assigned to the particular filing.

You do not need to give your street address, but if the page insists, and you do not want to give your address, use, 123 Main St.

You can also say that you want to keep your contact information anonymous, since you have to use this form to get your message to them because you were unable to comment through the SERFF page.

The complaint page should be the surest way to get your comment in, and you get a confirming email within a day, which is proof they got it.