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Started By
Message
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Posted on 10/16/14 at 10:47 am to ell_13
Oh and I forgot to mention, we lost fixed copays in favor of 20%. Huge piece I left out.
Posted on 10/16/14 at 10:48 am to ell_13
quote:
I've been through 3 enrollments with this company and they previous ones were in the 7-9% range. How sad is it that I should be "happy" with %14?
Considering 5% is Obamacare tax your rates stayed flat if 9% last year
Posted on 10/16/14 at 10:53 am to ItNeverRains
That started this year?
Posted on 10/16/14 at 10:53 am to ehidal1
quote:That's disgusting.
we lost fixed copays in favor of 20%
Posted on 10/16/14 at 11:02 am to ehidal1
We lost ability to cover spouse if their employer offers coverage. In my case, that's a $120/mo increase. Monthly premiums only increased about 2% beyond the expense of adding her separate ins. Copays and deducts stayed the same.
Posted on 10/16/14 at 11:07 am to bamarep
In our PPO plan, you pay a $100 surcharge if your spouse can be covered elsewhere. I don't know if that includes the exchanges. I'm guessing it means from another employer. There is no surcharge for our HD plan
Posted on 10/16/14 at 11:15 am to ell_13
If your company has a 1/1 renewal yeah buddy
Posted on 10/16/14 at 11:27 am to ell_13
quote:
Company pays 80% on HD and 70% on PPO
that makes ALOT more sense! Remember that 80/70% applies to increases/decreases as well. If your "premium" goes up $20,the insurance is actually $100 more expensive. One of the nastiest thing about employer-provided insurance is that it can hide the true cost from you. (You find out quickly what the real cost is when you are move from employee to self-employed!!)
We give our employees a full report on what we spend, what they spend, total costs, and what's driving the cost up or down. It's been really good for us. As we aren't getting blamed for increases we don't have any control over.
That, and I have stellar employees that understand math!
Posted on 10/16/14 at 11:44 am to bamarep
quote:
We lost ability to cover spouse if their employer offers coverage.
We have this also and it was put in last year.
I'll recap:
Premiums went up 15%, but we were offered a tobacco free discount (spouse has to be also if covered) and another discount for doing a health screen, which brings us back close to last years cost. However, we lost fixed copays and now pay 20% so out of pocket is higher, plus the premium of tobacco and no health screen for those folks. We also have to pay a premium if spouse is offered insurance at her employer but stays on mine.
The good news is that we still don't have to meet deductible for routine visits. Only larger things like surgery, hospital stay, etc. so those are only 20% of visits but I will miss my $20 copay.
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