Medical practice dropped from medical insurance


It's ironic when a medical practice doesn't have medical coverage, but it's not impossible. A small Central Illinois practice has been dropped from its health care provider. The practice believed it will be able to find new coverage, but Dr. Derin Rominger was surprised when he first heard that his physician-run insurance company was dropping them. He now has until the end of the year to fix a problem he never thought he would have.

A normal day for Dr. Rominger can be busy, checking in with about 20 patients.

"I had a hysterectomy this morning, just normal every day women's health care," he explained.

But what was not as normal, when part of his everyday concerns included finding new health care coverage.

"It just seems ironic that a medical office doesn't have medical insurance," he said.

Ironic and a little more stressful. Office Manager Mike Berg worked on fixing the problem as soon as he got word back in December that they were going to be cut off.

"They are not going to carry us do to the extra costs involved in maintaining what the Affordable Care Act is requiring of them," Berg explained.

The insurance provider dropped groups with less than 50 people. Rominger's practice employs 12 people, seven of whom were covered by Physicians Benefit Trust.

"We would have been happy to even pay a little higher premium if we could have kept our previous insurance coverage but that's not even an option," Dr. Rominger said.

As for the options they do have, "It's just going to be kind of limited because I'm not sure how many companies are going to be offering to small groups," Berg said.

Berg wasn't concerned about finding new health care coverage, but he was a little worried what it might cost them. The office paid half of the premium and a portion of the deductible, but it was expecting to pay a higher premium. They have until the end of the year to find new coverage.

Berg said he expected to get quotes back by the end of the week from potential insurance companies. He did not anticipate any staffing changes. And while they do have 11 and a half months to make the decision, Berg said he would like to make the switch as soon as possible.

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