29 minutes ago, how241 said:

what happens if you are unconscious and can't speak...

What happens with your insurance if you are unconscious and can't speak?

29 minutes ago, how241 said:

...or get to an ATM?

Why would I need to go to an ATM is I have a credit card?

All the hospitals I use I have hospital IDs for, which I assume they would find in my wallet, along with my credit cards, a wad of cash, and my pink ID that works for my Thai medical insurance.

In the over 25 years I've been here, I've been to quite a number of hospitals, and they were all much happier taking my credit card than my insurance card. I had great company sponsored insurance (Cigna) for over twenty of those years, and I always paid with credit card and submitted my claims for reimbursement without any issue.

On 2/24/2026 at 3:40 AM, lossantos said:

A new 65-year-old applicant today, same April Comfort inpatient plan, same zone, is quoted around 7,500 USD per year. A new 70-year-old is around 8,700 USD.

Now take a member who is 40 today and paying around 4,000 USD. If renewal increases averaged 12% per year for 30 years:

1.12^30 ≈ 29.96

That would imply:

4,000 × 29.96 ≈ 120,000 USD per year by age 70.

Even if the long-term average were meaningfully lower than 12%, we are still talking about something potentially in the 60k to 100k range versus 8.7k for a brand-new 70-year-old.

That level of divergence is what I find hard to reconcile.

My broker forwarded me a response saying pricing does not work as simple compounding and that not every year will have an increase. But in real life, has anyone here actually had a 0% renewal year with April? I personally have not seen one below roughly 12%, and this year was over 30%.

Also, is it unreasonable to ask the insurer to provide the current year’s full premium table across all age bands for this plan? The online quote tool clearly shows new-business pricing by age, but those figures do not appear aligned with what a long-term member would reach if increases remain in the double digits.

For context, my broker raised these questions with April about a month ago and we have received no answer at all, while my renewal deadline is approaching.

Anyone has figured out the discrepancy between new customers vs existing ones? AA brokers is using chat gpt to reply back making baseless speculations that has nothing to do with what April is actually doing.

I've had an April International Comfort $500-deductible inpatient policy since 2020. My premium for 2026 (age 71) is $7,644, an increase of 23% over my premium last year ($6,215).

11 minutes ago, Pawpal said:

I've had an April International Comfort $500-deductible inpatient policy since 2020. My premium for 2026 (age 71) is $7,644, an increase of 23% over my premium last year ($6,215).

How many claims have you made?

One claim, for cataract surgery. Getting pre-approval was easy -- the hospital knew the April representative and I didn't have to do a thing (apart from signing documents).

On 2/23/2026 at 5:13 PM, SooKee said:

I posted comments in another thread that Sheryl responded to that may give some insight as to why AOC recommends NOW.

Pls advise how I can find that thread? Thanks.

9 minutes ago, david_je said:

Pls advise how I can find that thread? Thanks.