No rates yet.
I'm not too sure there is going to be a difference in the way companies handle part B copays. That would totally take away from the nature of standardization. We'd take a step back to 1991 where the senior has to do side by side comparison of benefits. I believe the actual practice will be "up to" a $20 or $50 copay per the language in the plan design from the NAIC.
As far as being a limited offering, I don't see it. Many companies have come out with one or two plans over the required plan A offering. For years all CF offered in
MO was plan F, then they added Plan G about four or five years later. Now we're where we are in the 2010 plans. Nothing different than MOO's practice. Summer of 2008 they offer F and G then a year later they add J. CF,
IMO is my ONE carrier that holds rates steady compared to ALL others. I've got clients on CF's plan G for four years... it's still within a few bucks of the cheapest plan G/D available in
MO. And when I say a few bucks I mean $2-4/
mo. That's why when UOO came out with a cheaper plan G I didn't touch my CF clients. I knew it'd be a year down road till thing equalized. Bingo!
Now as far as new clients. Over the past year I have been offering UOO's plan J more than any other plan. At the price it is the best value for the majority of my clients. Basically a fat plan F, but the math adds up and they are GI for any other plan UOO offers down the road.
From Christian Fidelity's outline of coverage.
Up to $20 per office visit and up to
$50 per emergency room visit.
The copayment of up to $50 is
waived if the insured is admitted to
any hospital and the emergency visit
is covered as a Medicare
Part A expense http://www.oxfordlife.com/ads/image/...an_N_Flyer.pdf maybe this link will work 
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