I have just opened an envelope containing a check from my health insurance company. We're paying for my insurance, under HIPAA; the company is HIP, because they offered the best price when I was looking around in early 2003. It's an HMO, so copays and lots of mail telling me I saw thus-and-such doctor on this date, and HIP paid them so much.

Before I opened the envelope, I thought that it was going to be for seven cents or so: I tend to round the bill up to the nearest dollar, rather than write "and nn/100," for companies that bill me every month, like HIP and my phone bill.

No. It's for over a thousand dollars. Printed on the form, above the check (perforated as they generally are), it says [I'm transcribing mixed case, though it's in all caps]:

You are entitled to a refund of your HIP Direct Pay Health Insurance Plan premium from the New York State Department of Insurance. The refund is being paid from excess funds in pools that had been funded by various health plans including HIP. The New York State Departmnet of Insurance has determined that these funds should be released to benefit direct pay health plan subscribers.

Your refund is attached. At HIP, we are pleased that you are receiving this refund. And, as always, we appreciate that you have made HIP your choice in health care coverage.

Below that is the preprinted stuff about "For all inquiries, please call…"
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