Benefits

[Biglunch]

My work has made some changes as far as benefits in the last year and just wondering what the norm is. What's everyone getting if that not to personal

 

[Bullsnake]

been to the doctor for the first time since I started working, whipped out the ol insurance card and was told I have a $1000 deductible, thinking I might just tough this one out a lil longer, might punch my employer too:::

 

[DirtyMike]

1000 deductible is actually pretty damn good. Mine is $5800

 

[Bullsnake]

yikes, maybe I should go back then , like I said it's been awhile, wasn't sure if that was good or bad

 

[H82bogey]

I've got a $2500 deductible, but also have the Health Savings Account that my employer contributes to. Kinda like a 401k for your health coverage. It's good and bad. Back surgery however, has wiped out the savings.

I believe we have the Affordable Care Act to thank for our high deductibles. Mine went from $500 to $2500 in one year. Thank you Odumber.

 

[eyexer]

enjoy it, thanks to obamacare in five years you'll all be seeing 5K minimum deductibles

 

[johnr]

maybe its Bush's fault

 

[Brian Renville]

The deductibles are brutal. So is the cost in general. We used to pay our full-timers health but the AHA put an end to that. We couldn't even come close to paying them after that. So much for incentive programs, the freeloaders want an end to any sort of incentive and the government has been complying as much as possible.

 

[johnr]

Can you not offer insurance to your employees?
Thought the entire system was set up to force employers to do whatever the government tells you too do.
Iffn I choose to not insure myself, which would be crazy, but if I did, don't they come after you with fines and whatnot.

Can a white man still even call himself a white man?

 

[Petras]

I have a 500 deductible and my employer pays the whole premium.... my employer provides awesome benefits... $1000 deductible is pretty damn good too tho

 

[Bed Wetter]

We've seen many more employers moving to a high deductible health plan (HDHP) + HSA. There certainly advantages to this but it's hard for people to see up front. Also more employers who can afford it are becoming self insured. This means the employer is actually writing checks to pay your claims but still paying admin fees to the insurance carrier for claims processing, actuarial number crunching, plan servicing, etc.

knowing what I do about benefits, I actually prefer my HDHP + HSA. It's smarter in the long run than having a traditional PPO or EPO because we don't use our insurance a lot (yet).

 

[shorthairsrus]

I don't complain about my deductible --- we have probably paid 5k ------- its the original bill before discount is what I have a big issue with --- the castle that is being built by the interstate is why your bill is so high -- -brick and mortar and show off is what makes me furious.

 

[Fishmission]

I have 1600 deductible for me and one dependent at 1600. last year we had 4 surgeries that cost about 130K. Insurance also did not cover physical therapy which was a grand.
I pay 550 per mo for health care and although 2014 was tough, I cant complain about 4200 out of pocket and 550 per month right now.

 

[Bed Wetter]

the castle that is being built by the interstate is why your bill is so high -- -brick and mortar and show off is what makes me furious.

Good point, I'd much rather have an old, shitty, overcrowded hospital when I'm laid up. LOL

I'm just yankin' your chain. We all know why our premiums are going up: sluts.

 

[Mocha]

I don't complain about my deductible --- we have probably paid 5k ------- its the original bill before discount is what I have a big issue with --- the castle that is being built by the interstate is why your bill is so high -- -brick and mortar and show off is what makes me furious.

BINGO!

When the AHA=Obama care was passed there were two things that really PO'ed me. 1st of course was Nancy Pelosi's famous quote of We have to pass it to see whats in it LOL! 2nd was how all attention was all on the insurance companies and policy costs and deductibles and nothing was even brought up about the "actual cost of health care"! Non-profit health care organizations .............BULLsh-t! IMHO

 

[3Roosters]

Can you not offer insurance to your employees?
Thought the entire system was set up to force employers to do whatever the government tells you too do.
Iffn I choose to not insure myself, which would be crazy, but if I did, don't they come after you with fines and whatnot.

Can a white man still even call himself a white man?

Yeppers, you do not have to offer insurance to employees.. large employers..more than 50 full time equivalents would be fined if they do not offer affordable coverage to their full timers. I am sure there are employers who have done the math and conceded that the fine was less expensive than the amount they contributed to each employee's premium.

 

[JayKay]

We've seen many more employers moving to a high deductible health plan (HDHP) + HSA. There certainly advantages to this but it's hard for people to see up front. Also more employers who can afford it are becoming self insured. This means the employer is actually writing checks to pay your claims but still paying admin fees to the insurance carrier for claims processing, actuarial number crunching, plan servicing, etc.

knowing what I do about benefits, I actually prefer my HDHP + HSA. It's smarter in the long run than having a traditional PPO or EPO because we don't use our insurance a lot (yet).

My family has insurance through my wife's employer, and they cover the premiums at 100%. The deductible is (I believe) $500 per person with a cap at $2000 per family (which is the same thing, since we have four people in the family).

We were offered to go with HDHP + HSA, and it's attractive, but we actually use our insurance a fair amount (wife had cancer 7 yrs ago), so after doing the math, we stayed with a PPO. Works better for us.

 

[WormWiggler]

Had a conversation with a work acquaintance this morning. He started his own LLC earier this year and missed the "window" to get signed up under AHA. So he is facing a penalty. And he has no insurance, turns out there is a gap policy that would have been helpful but you have to really dig or get the right person on the phone. Long story short, he has cancer, missed the gap policy date by three days and will end up broke and likely not win his upcoming battle. Our healthcare system sucks, the doctors, nurses, and instituitions are outstanding but the whole administration and insurance BS makes me want to vomit

 

[shorthairsrus]

Worm why didn't the guy have private insurance? Regardless of how bad the law is one needs to be responsible and buy some type of insurance.

 

[WormWiggler]

ignorant, didn't do his homework, didn't seek professional assistance,,, take your pick He missed the entry window and didn't know about the stop gap policy. He got that but the diagnosis came 3 days before it took effect, so its a pre existing condition.. he has to pay cash until he is broke then go on disabity or SS, govt tit of some kind. Starts chemo tomorrow followed by radiation, then in 8 weeks when that is done surgery with 1-in 3 odds of survival.... wait for open enrollment and no survival