Health Ins Costs

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beenthere Posted - 9/24/2013 9:38:04 AM | show profile | flag this post


I can't remember who I had been going back and forth with about health INSURANCE costs, but I wanted to post a follow-up. I finally received my "information" regarding health INSURANCE costs.

My costs have more than DOUBLED. No wonder I couldn't get an answer out of HR.

And I work for an employer of more than 5,000 FT employees, not a small business.

What a scam. A total scam and $$$$ just rolls in to the INSURANCE companies, who are sitting back and counting the bills.



mpdodgson Posted - 9/24/2013 11:32:31 AM | show profile | flag this post

Yea. That sucks.

I feel bad for you. I wish you hade video of that employee meeting when they sprung it on you.

I'm lucky...also work for a large company, and my medical/dental is $243 a month, not counting copays of course (United HealthCare btw). Now granted, that's just for me, the wife has her own (because of her illness), but I can't imagine anyone's bill doubling like that.

Which begs the question; can you just plain "Drop it" and go shopping?

beenthere Posted - 9/24/2013 11:54:36 AM | show profile | flag this post


It's worse than I thought. Way worse.

Will be shopping around, I'd have to pay almost $10,000/year before I receive ANY discounts whatsoever.

It's robbery, pure and simple. And there is NO reason for it. This is a HUGE company.

My head is about to explode. Literally.





beenthere Posted - 9/24/2013 12:19:43 PM | show profile | flag this post


It's United Healthcare.

orthicon Posted - 9/24/2013 2:25:30 PM | show profile | flag this post

they must really dislike you personally, beenthere..

mine..(united health care) is dropping by 114.00/month..

con Posted - 9/25/2013 11:12:52 AM | show profile | flag this post

did you beleeeverate the obama/democrat lies about obamacare lowering the cost of insurance? if you like your doctor/ insurance plan- you can keep it?

the jokes on you..

http://www.bing.com/images/search?q=obama+joker+picture&qpvt=obama+joker+picture&FORM=IGRE

what ? obama kool-aid taste bitter now?






etaoin shrdlu Posted - 9/25/2013 11:21:50 AM | show profile | flag this post

At least beenthere will be able...

to shop around more effectively starting next week thanks to Obamacare.

And the prices under Obamacare are coming in a lot lower than even the administration predicted. This from Reuters:

"Americans will pay an average premium of $328 monthly for a mid-tier health insurance plan when the Obamacare health exchanges open for enrollment next week, and most will qualify for government subsidies to lower that price."

http://news.yahoo.com/obamacares-average-monthly-cost-across-u-328-040209815.html

Shop around, beenthere. You've got choices you didn't have a year ago.


con Posted - 9/25/2013 11:25:33 AM | show profile | flag this post

even with government subsidies, most will pay higher cost.

save $3000 once obamacare is passed? not so much.



beenthere Posted - 9/25/2013 12:18:26 PM | show profile | flag this post


ES,

With all do respect, I will wait for the ACTUAL costs to be revealed before making any predictions if it will be cheaper or not.

Remember, everyone kept saying, it'll be cheaper. UM NO it is not. I kept saying, let me see the actual costs and THEN and ONLY then, can I assess whether it is actually cheaper.

I have already been in contact with the agent through whom I have previously had insurance. He has no clue what rates will be and said to wait until October 1 and the exchanges are rolled out, so costs will be KNOWN.

But I am disheartened beyond belief.

Under my employer's policy, I have to put out almost $10,000 annually BEFORE UHC pays 1-effing-cent.

Sorry for the profanity, but it's total BULLSHIT.

My company is HUGE. Why have my rates skyrocketed, and why is the ONE PLAN they are now offering a high-deductible plan? This means no copays, and NOTHING is covered until deductible is met: no physician visits, no prescriptions, no lab work, no hospitalization, no contributions by UHC for anything until deductible is met. I pay for everything.

It's a handout directly to UHC, which sits back and collects my premiums but does not contribute anything toward the healthcare costs of my family.

I've shopped around in the past, and will do it again. I am also considering concierge service and will be researching that option as well.

But $10,000 for NOTHING?

No freaking way. Still fuming.



etaoin shrdlu Posted - 9/25/2013 1:34:04 PM | show profile | flag this post

A lot of it...

involves your company's plan.

My out of pocket rates doubled a few years ago. That was because my employer began passing more of the costs on to employees.

Is your plan a "self-insured" plan through UHC?

I worked for a station chain about 20 years ago and had my health care costs triple and deductible shoot way up because of just six costly incidents across the chain. (Two people were severely burned over 90% of their bodies, two more had heart transplants and there were two babies born with severe birth defects that each required multiple surgeries).



cruiser Posted - 9/25/2013 1:49:54 PM | show profile | flag this post

And now hundreds of thousands...or perhaps millions...

of similar tragedies will be dumped into Obamacare. Do you honestly think your health care costs won't rise? If so, you're nuts.

Or there is a second option: Obamacare providers will simply refuse to underwrite such incidents. Can you say death panels?

etaoin shrdlu Posted - 9/25/2013 2:05:28 PM | show profile | flag this post

Cruzo...

in just six days, 30 million Americans who currently do not have health insurance will be able to buy it.

And look again at the actual numbers: The average monthly cost across 48 states will be $328 a month.

http://www.reuters.com/article/2013/09/25/us-usa-healthcare-exchanges-idUSBRE98O03P20130925

cruiser Posted - 9/25/2013 2:34:22 PM | show profile | flag this post

"The average monthly cost across 48 states..."

is pure left wing bullsh*t. Every day we read stories of massive increased in health care premiums on the order of 100-700 percent.

YOU CANNOT HONESTLY SAY THAT ANYONE WILL GET A REDUCTION IN HIS/HER HEALTH CARE COSTS.

And this entire boondoggle will result in MANY, MANY people LOSING their health care altogether. Employers are en masse canceling health care coverage, choosing instead to pay the penalties. Alternatively, they are reducing the hours of their employees to 29 per week or fewer so that they don't have any full time employees for which they would be required to offer benefits.

Even that health care icon that Obama cited in his braggadocio...the Cleveland Clinic...is offering early retirement to 3000 employees...and may be laying off hundreds more...in order to save $300 million a year.

etaoin shrdlu Posted - 9/25/2013 2:47:23 PM | show profile | flag this post

Yes, cruzo...

we've been reading about those massive increases for ten years or more.

Obamacare is bringing it under control.

Read one of the links I posted, if you dare.

Not propaganda -- but actual prices released to the public.

This is why the TEA Partiers are so hell-bent on stopping Obamacare. It's likely to become an incredibly popular program by next election and the TEA Partiers are going to have to explain why they voted to kick 30 million Americans off health insurance and why they wanted higher prices for health care.

cruiser Posted - 9/25/2013 3:38:01 PM | show profile | flag this post

"Read one of the links I posted, if you dare"

Why would I read one of your radical left echo boxes?

Karen Penner Posted - 9/25/2013 7:22:04 PM | show profile | flag this post

Quit your bratty whining and go to your state exchange's website to work the calculator.







mpdodgson Posted - 9/25/2013 9:46:57 PM | show profile | flag this post

Back the train up there wingnuts.

Beenthere is getting screwed by both UHC and her company...and apparently there was noise but no details about this before. She never even mentioned Obamacare...because it has nothing to do with ObamaCare.

orthicon and I have already mentioned that we works for big companies too, AND we have United. We're not getting stuck with that bullshit high-deductible crap. That's between the company you work for and the insurance company. The WH has nothing to do with it. And that is the VAST majority of the cases out there.

"If you're one of the roughly 80 percent of Americans who already has health insurance through an employer or is enrolled in a government program like Medicare, the answer is: probably nothing" will change.

Seven million people will purchase private health insurance on the exchanges for 2014, the Congressional Budget Office projects. An additional 9 million will use the exchanges to enroll in Medicaid or the Children's Health Insurance Program, two joint federal-state health programs for low-income people. The number of uninsured will drop by 14 million next year, the budget agency projects.

For nearly everyone else -- the 170.9 million people covered by employers and the 101.5 million enrolled in government health programs -- the ballyhooed launch of the Obamacare exchanges will mean little, according to health care, consumer and business experts.

"If you have employer coverage now, do not worry," said Lynn Quincy, a senior policy analyst at Consumers Union in Washington who specializes in health care issues.

So....7 million people....or 9 million people...vs 280 million people...Wow. That math is a real stumper.

People like beenthre have been getting screwed by insurance companies (either in cahoots with their employers or not) for decades. This 'boondoggle with Death Panels crap' is embarassingly jaw dropping stupid.






etaoin shrdlu Posted - 9/26/2013 10:15:39 AM | show profile | flag this post

What it will do...

is bring more people into insurance pools. And the more people who have insurance, the lower the rates go -- that's the way insurance works.

beenthere Posted - 9/28/2013 2:33:09 PM | show profile | flag this post


I fully believe that this is a way to get us off employer-sponsored insurance and force us into the exchanges. As I said it is a very large company, they should have major negotiating power via rates, and I am sure insurance companies were competing for the contract. Whether the company took other bids, I don't know.

And, the reasons for the increase were given as follows: general healthcare costs are rising, the gov't is charging the employer a $63 fee and a $2.13 fee for "research" per employee., neither of which explains, at all, why the rates have skyrocketed. There was no mention of internal costs, spreading the costs over the employee population at all.

What WAS pushed, however, was for us to dump a ton of our own money into an HSA. That was rolled out with pom-poms and fanfare. It was rolled out so hard, I initially thought that an HSA was mandatory in order to get the employee-sponsored program. It is not.

That's all I will say.







Karen Penner Posted - 9/28/2013 6:15:12 PM | show profile | flag this post

***
I fully believe that this is a way to get us off employer-sponsored insurance and force us into the exchanges.***

Sure -- maybe your employer plans to drop employee health insurance altogether. It's possible. You do understand that you could buy through the exchange or not -- your choice -- but as long as your employer offers insurance, you may not be eligible for the tax credit? If you don't know about that, get yourself into a community seminar or some other resource that explains how it works and can answer your questions.

But it sounds more like you've been spoiled by the amount of health insurance cost your employer picked up in the past, and you're freaking out because the employer isn't picking up as much anymore. In this case, your gripe isn't with Obamacare -- it's with your company. Your HR department would be the appropriate place to lodge your complaints.

If you had had your own policy, not a company policy, for the past 10 years, you'd have anticipated an increase in premiums each year of 15-20 percent. That's in addition to the age ratings. You were insulated from it, and it truly does suck to be dropped into the same situation as people who don't work where you do, but you'll do fine.



mpdodgson Posted - 9/28/2013 8:22:21 PM | show profile | flag this post

Again beenthere; We feel for you

(From one of my favorite shows)

"Leonard: Alright, well let me see if I can explain your situation using physics. What would you be if you were attached to another object by an incline plane wrapped helically around an axis?

Sheldon: Screwed.

Leonard : There you go."

Just so you realize it's your own company and United doing the screwing here. It has nothing to do with ObamaCare, regardless of the wingunts here might say. (Keep in mind cruise once famously aped of one of the classic lines against ObamaCare; paraphrasing; 'We already have free health care--you can always go to the emergency room..."

See? There's your out. Drop your insurance altogether and go the ER. TADA!!

Read Karen's post again (very very nice job). "for the past 10 years, you'd have anticipated an increase in premiums each year of 15-20 percent." That has nothing to do with the ACA. Btw, about that "gov't is charging the employer a $63 fee and a $2.13 fee for "research" per employee"?? They really are screwing with you.
From United's own website I saw this:

"The Patient Protection and Affordable Care Act (the Act) imposes a new Patient-Centered Outcomes Research Institute (PCORI) fee, formerly the comparative effectiveness research fee, on plan sponsors and issuers of individual and group policies." "The fee begins in 2012 and the phases out in 2019"

http://www.uhc.com/united_for_reform_resource_center/health_reform_provisions/patient_centered_outcomes_research_institute_fee.htm

Didya catch that? "formerly"?? in other words they've been 'incline plane wrapped helically around an axis' people like for years...and the fee actually does have an end date.

Said it before, and I'll say it again; Providing affordable health care to every American should be a priority for pols of any party. (And it has been for decades) Luckily, now we're on the cusp of that. To be "against" it, in any way shape or form to me is the height of insanity.



beenthere Posted - 9/29/2013 3:16:32 PM | show profile | flag this post

But it sounds more like you've been spoiled by the amount of health insurance cost your employer picked up in the past, and you're freaking out because the employer isn't picking up as much anymore. In this case, your gripe isn't with Obamacare -- it's with your company. Your HR department would be the appropriate place to lodge your complaints.
___


Karen:

1. You know absolutely nothing about my health insurance history, and if you did, you would be red-faced with shame for your ignorant comment. SHAME ON YOU!!

2. You also know nothing about WHY I posted this info in the first place. It has to do with a dialogue I have had with another poster in the past. It was not simply to "complain."

3. You know NOTHING about any conversations I have initiated regarding my HR dept.

4. If you believe handing someone almost $10K for NO COVERAGE is a fair deal, please send me your email and I'll let you know how to pay for it for me. You're jumping at the chance right? It's a great way to spend $10K of your own money isn't it?

Direct your snarky attitude elsewhere.



Karen Penner Posted - 9/29/2013 7:32:44 PM | show profile | flag this post

Good gawd, what set your fuse? You come on here with complaints that belong in your company's HR department, more than one person gives you advice, and out of all of them you single me out for an entire post raging that my post is "snarky"?

You've got bigger problems than your employer's raising your share of health insurance costs. I'll try to remember to avoid you, as you give the distinct impression of being a loose cannon with a hair-trigger temper. If by some misfortune I forget and post to you, kindly avoid it and save your negative energy for when you'll really need it.

cruiser Posted - 9/30/2013 10:02:19 AM | show profile | flag this post

Conservatives need all their "negative energy"

to counteract the lamentable posts of liberal "journalists"...who should know better.

proudliberal Posted - 9/30/2013 12:54:33 PM | show profile | flag this post

My insurance coverage...

Has seen no changes. Big companies will not change their insurance because of Obamacare. They would have too many employees looking to go somewhere else. This is a good program that will help millions of Americans with no health care insurance. The only people who seem to be against it are wealthy people who have health plans who don't want to see their doctor's waiting room subjected to having people of color waiting for appointments ahead of them. It's not a great plan, but I suspect it will work well enough to eventually get Americans to see we need to go single payer. That is the only way we will ever get health care under control.


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