Being politically correct sucks!

[highfunctioningfatman 2,675]

We are in our new open enrollment for our insurance. This is a copy of what I sent up the chain. We are a company of 15000+ employees, there is no reason why the company can't get better rates. Needless to say, I'm pissed.

[Pescador 1,374]

Honestly I don't know how families survive these days. This sucks.

[PorkChopExpress 820]

There actually ARE reasons they can't get better rates, but that's a much different topic. I would just say that you're fortunate, looking at the numbers...my wife's teaching job doesn't even subsidize half of our health insurance costs and our out of pocket for Kaiser (Kaiser, mind you...not a PPO or something nice) is over $650/month. But it's a hell of a lot better than the "great deal" the exchanges gave me, which covered my family for $1,500/month after I got laid off, because my "income" was based on my previous year's tax returns and so I didn't qualify for anything better, while unemployed. Talk about a grueling 15 months or so, until she got work. I'm a freelancer, so I don't have options. Also couldn't switch to MediCal because my stepson is on regular medication for ADHD and it wouldn't have been covered. Also would have struggled to get any help when it came to CPAP re-supplies and crap like that, not to mention having the worst selection of doctors. I was up a creek without a paddle. But no, I'm THRILLED with the way healthcare is right now. (Not to politicize this politically correct thread.)

There's a reason people are flying to TJ to get surgeries.

Edited October 27, 2016 by PorkChopExpress

[rolosmom7 740]

I work for a company that employs 300,000 people. My health insurance options are terrible. We're also in enrollment time. [emoji35]

[Icantbelieveit 955]

On the news they said it was going up big time. I guess they were right.

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[Fredbear 397]

Not sure what any of this has to do with being "politically correct".

"When all is said and done, usually more has been said than done. "

[Babbs 14,681]

This is what happens when health insurance is a for profit industry

Maybe someday the US will get on the board and go single payer or universal like the rest of the industrialized countries. But I'm not holding my breath.

[LisaMergs 2,854]

My husband switched jobs over the summer. I always check to see what ins coverage a new company has before he accepts an offer.

This time, we were screwed big time. The ins company was fine, a PPO, but the monthly contribution from his paycheck is $1400 a month for a family. And he works for an insurance company!!!! wtf????

His last position, we were paying $550 a month. This one is more than our mortgage.

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[Inner Surfer Girl 12,015]

Actually, these rates sound great. Have you tried getting insurance as someone who is self-employee lately?

Also, have you seen how much healthcare CEO's make lately? I don't know where you work but what does your CEO make? Those numbers have a lot more to do with what you pay than "political correctness" or whatever you are complaining about.

Employers had the chance to get out of the healthcare/insurance business if they would have supported single payer.

[DeletedMember 715]

My husband switched jobs over the summer. I always check to see what ins coverage a new company has before he accepts an offer.

This time, we were screwed big time. The ins company was fine, a PPO, but the monthly contribution from his paycheck is $1400 a month for a family. And he works for an insurance company!!!! wtf????

His last position, we were paying $550 a month. This one is more than our mortgage.

Sent from my iPhone using the BariatricPal App

Wow, that's almost the exact scenario I had when I switched jobs about a year ago. I was at $550/mo and went to $1250/mo. I will say that my new PPO is absolutely top notch though - my RNY surgery this year cost me a total of $20.

I could have gotten essentially the same $550/mo plan I used to have for $1050/mo, but went with the $1250/mo because it was so much better. My surgery alone would have cost me close to $8000 with the $1050/mo plan, so it was worth the extra premiums this year, and frankly, most years.

My family spends a lot on medical care. For me, it's better to pay a higher monthly premium and know that I'm fully covered than get a lower monthly premium and end up with a high deductible and a much bigger share of the cost.

Don't get me wrong, I was not delighted to pay an extra $8,400 a year, but that came with zero deductible and no cost sharing (other than standard $20 co pays).

[newjerseygirl60 45]

I don't know mine has been very good to me last year I had to complete knee replacement done one of them was for free because I met my deductible 500.00 and 1500.00 out of pocket. I easily met from my first knee then got the other one for free. this year getting a revision from band to bypass. BUT thank goodness I went on and did this because we are changing insurance companies I don't know why the premiums are higher and the deductibles are so ridiculous you would have to have a bad illness to meet it. And I work in a hospital. It is mainly the insurance companies greed that is putting a hurting on us and who we work for they want to pay the least in insurance coverage but we pay the price for it. For me this is it I wont have to go to specialist anymore just follow ups once or twice a year so I don't mind paying a higher copay next year that's why I went with the lower premium and higher copay.

[LisaMergs 2,854]

My husband switched jobs over the summer. I always check to see what ins coverage a new company has before he accepts an offer.

This time, we were screwed big time. The ins company was fine, a PPO, but the monthly contribution from his paycheck is $1400 a month for a family. And he works for an insurance company!!!! wtf????

His last position, we were paying $550 a month. This one is more than our mortgage.

Sent from my iPhone using the BariatricPal App

Wow, that's almost the exact scenario I had when I switched jobs about a year ago. I was at $550/mo and went to $1250/mo. I will say that my new PPO is absolutely top notch though - my RNY surgery this year cost me a total of $20.

I could have gotten essentially the same $550/mo plan I used to have for $1050/mo, but went with the $1250/mo because it was so much better. My surgery alone would have cost me close to $8000 with the $1050/mo plan, so it was worth the extra premiums this year, and frankly, most years.

My family spends a lot on medical care. For me, it's better to pay a higher monthly premium and know that I'm fully covered than get a lower monthly premium and end up with a high deductible and a much bigger share of the cost.

Don't get me wrong, I was not delighted to pay an extra $8,400 a year, but that came with zero deductible and no cost sharing (other than standard $20 co pays).

Must be a Sparty thing.

But for us, this ins is actually worse than the PPO BCBS il we had. Higher deductible, out of pocket, no pretax reimbursement on co-pays, tons of crap not covered.

Looking into other options now.

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[newjerseygirl60 45]

But innersurfergirl is right it all about the money! But having one insurance company would be a big mistake like here in NC BC/BS is the big one here they got to big for there bridges that's why here they lost a lot of the big hospital accounts they are going to feel the burn for that. Competition is the key to this!

[Babbs 14,681]

But innersurfergirl is right it all about the money! But having one insurance company would be a big mistake like here in NC BC/BS is the big one here they got to big for there bridges that's why here they lost a lot of the big hospital accounts they are going to feel the burn for that. Competition is the key to this!

No, competition is not the key. Whether we live or die should NOT be a capitalistic venture. When that happens, people die because they can't afford to go to the doctor or can't afford insurance at all. Over 1 million people have died since 1993 because they were not insured or under insured.

It's time we as a nation took profit out of the equation of people's health and well being and offered universal healthcare, so every single person, rich, poor, or in between has a chance to live a happy, healthy life.

[RJC5197 282]

My company is huge (over 200K people) and I pay over 130K, 24 times a month.

Not only that but the deductibles are increasing every year.

Starting next year I now have to SHOP around for the best rate whenever our Dr. requires an out of office test, else if I go somewhere that is not the lowest, I pay the difference.

I am so glad my WLS has stopped all the meds and health issues I have had.