I work for an doc and I have no healthcare coverage. I am his only employe. i am self-supporting. My boss offered $100 towards catastrophic insurance. It had a $10,000 deductible. I suggested a small increase in the amount he was offering for a better plan but he chose not to go for that. I have 6 days vacation per year. Nothing else. It's depressing. I've decided to look for another job. A job without healthcare just doesn't cut it.
I just shelled out $2,800.00 dollars last month for two hearing aids. I have otosclorosis in both ears (my right is almost completely deaf.) My husband is retired military, so we have Tricare insurance. They wouldn't pay even a dime towards my hearing aids.
Oh sure, they will pay for Viagra so some guy out there can have his "quality of life," but I guess being able to hear dosen't fall under the quality of life catagory...
Tricare won't pay for hearing aids even if the person is active duty. That's just not right.
Nubka - Unpaid Slave Laborer...
3539 and counting.
Slightly Wounding Banana list cont: MacMadame.
^^Medicare won't pay for it either unless it is being taken for some other reason than sexual dysfunction. It is commonly prescribed for certain heart conditions. Then again, after using the little blue pill you might develop a heart condition, if you know what I mean.
The privilege of a lifetime is being who you are--Joseph Campbell
We have never made any changes in our employees coverages. Anthem and Kaiser (whom we use.....and employees get a choice) change stuff all the time. Costs have gone up (18% on my Kaiser last year) and benefits get cut.
Personally I wish we had real competitive coverage....where I could shop in other states, and buy a package that I want and that is appropriate. I pay just south of $1100.00 per employee in insurance costs. There is no portion paid by my employees.
I live in the wine country, and the hospitals and clinics here are maxed with undocumented workers. I wish everyone would simply get a grip.
1. Employers pay everyone an above board living wage (That message is for you Mr. Grape Picker wine maker
2. Employers provide health insurance for their workers and their families.
(I know my wine just got more expensive)
3. Save a fund so you are not squished with a co-pay.
Just those three things would in my humble opinion greatly reasonable healthcare coverage for all American..
As to undocumented workers.......GEESH....this is not rocket science! Get them a worker's visa,pay they a decent wage and provide health care and education. My friend Sandra and I could bet this up and ready by fall.
I am being tongue in cheek.......but not that much
DH - and that's just my opinion
It's all so backwards.
And, I didn't say it, but IMO a company would be dumb to put that sort of thing into a contract if they didn't have to. As you point out, insurance companies change what they offer a company, so a company needs to be able to adjust to that.
Delete. Wrong Thread.
Go to Costco to get an exam (for the same rate you'd pay with VSP coverage), then go to zennioptical.com for $8 glasses.
My previous employer in CA covered from day 1 with 3 options: Kaiser HMO, Aetna, and ... Blue Cross? At the time, Kaiser was still working from its reputation as being a completely ghetto, dismal service.
My current employer only has 2 options: Kaiser HMO, or UHC EPO or PPO. The difference is drastic though. You're eligible to enroll the first day after the first full month you're hired (carefully worded; for example, if you were hired December 2, you'd be eligible for insurance on February 1). But Kaiser HMO is fully funded, does not take into account pre-existing conditions, and after 18 months of company COBRA after separation, you're eligible for Cal-COBRA. UHC, however, has a 12 or 18 month exclusion for pre-existing conditions (which everyone has, c'mon), and it doesn't sound like signing up for the HMO in the meantime counts as the exclusion period. Nope, you're doomed to paying for 12 or 18 months (they won't say which) of insurance *without* having your condition treated (which makes no sense). The only way around this is to have 60 days of creditable coverage. So if you're in between open enrollment periods, and you really want UHC (for the network, I suppose), you're forced to take the HMO for at least 60 days, hope the timing works out, then switch, and have the exclusion period waived. So in a way, the exclusion period is pointless. Either you have it waived due to previous coverage, or you sign up and have your condition go untreated. Who would do that? Oh, and after COBRA eligibility on UHC, one would not be eligible for Cal-COBRA. And Kaiser's getting better. So who (with a pre-existing condition) in their right mind in my company would not sign up for Kaiser? Maybe there's something I'm not getting.
So in the case of my friend in the company, get this, it's strategic to apply for private coverage, get denied, go on PCIP, switch to Kaiser before open enrollment due to a life event (switching from private insurance is a life event), then switch to UHC at open enrollment after 60 days of HMO coverage. Unless the PCIP is considered creditable coverage of course, but the benefits department can't answer that for him.
Another ghetto hint: If you grind your teeth due to stress from health care costs, forget that $695-for-a-custom-mouth-guard-even-with-insurance crap. Go to a sporting goods store and get a moldable wrestling mouth guard for $1.99. Way better than even the $30 ones at the drug stores. You can close your mouth and talk on the phone from bed and nobody would be able to tell the difference!
For a while, I had to go without coverage because no insurer would insure me given my medical history.
I called a place yesterday and filled out an application so its in the process of being reviewed. If I call and withdraw my application or tell them I don't want it anymore without them investigating (or whatever it is they do with all that info it took me like 45 minutes to answer all the questions) and that way they cannot "deny me" (I'm figuring based on my weight)?
Can I do that? Call them back and tell them I withdraw my application, without it having to go down as THEM officially denying ME? Does that make sense? Can I do that without giong on this list they all check that says I was denied?
Last edited by BaileyCatts; 03-06-2012 at 02:50 PM.
^ I guess you could, but not sure how that would benefit you. If there is a reason an insurer would turn you down, they would do it regardless of whether you've been denied previously. OTOH, each company has its own policies, so there is a chance that what might mean rejection for one co might not for another. You'll never know unless you try.
Upthread, someone suggested you call Humana and talk to someone about your rights under health care reform to buy new coverage. At least get a Certificate of Creditable Coverage, b/c that may help you get ins if you are denied, or get a pre-existing exclusion waived.
It may be that Humana or another co may not offer individual policies in your state. That's their right. If you run into that, try another co.
No, though I have a high deductible (which works until doctors want to play pincushion and which is why I'm not going back for ANOTHER round in May. If something was wrong with the last ones, call me. Otherwise, NO.) I still pay WAY less than I did under the Massachusetts system, where with mandatory coverage my premiums went through the roof. (I don't blame Romney, he was dealing with the dictators for life in the assembly and laws that already made it borderline-impossible for any insurance companies to do business competitively. And at my income level I wasn't eligible for state aid unless I produced a few bastard children to care for.)