Home
Forums
New posts
Search forums
What's new
New posts
Latest activity
Members
Current visitors
Log in
Register
What's new
Search
Search
Search titles only
By:
New posts
Search forums
Menu
Log in
Register
Install the app
Install
Home
Forums
The Competition
FedEx Discussions
Benefits
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="Ricochet1a" data-source="post: 1122844" data-attributes="member: 22880"><p>I only used privately purchased insurance between the time I ended Express employment and my former employer's group plan kicked in (I'm since with my 2nd employer after Express) after 90 days (Express actually beat them here, Express offers full benefits to full-timers at start). It was only a 'catastrophic plan', it didn't kick in until AFTER $5,000 in charges were accumulated in a 12 month period of time (I did get the benefit of paying the rates negotiated by the plan and providers, starting at the first dollar of charges). It covered my entire family and was intended solely to prevent being potentially wiped out should something major happen. It cost me $450/mo to cover my entire family. It was almost half the cost of Express COBRA, so I elected to go that route. As it turned out, nothing happened during that period of time so I have no way to 'test' to see if the plan would've worked as intended by me and my wife. </p><p></p><p>I now have a group plan through my employer which costs me absolutely nothing. My wife's plan is actually cheaper to cover our children, so she has the entire family on her plan while I have just myself on my employer's plan. If for some reason she decided to terminate her employment with her employer, I could easily get my entire family onto my plan without waiting for annual enrollment (change in spouse's coverage counts as a 'major' event).</p></blockquote><p></p>
[QUOTE="Ricochet1a, post: 1122844, member: 22880"] I only used privately purchased insurance between the time I ended Express employment and my former employer's group plan kicked in (I'm since with my 2nd employer after Express) after 90 days (Express actually beat them here, Express offers full benefits to full-timers at start). It was only a 'catastrophic plan', it didn't kick in until AFTER $5,000 in charges were accumulated in a 12 month period of time (I did get the benefit of paying the rates negotiated by the plan and providers, starting at the first dollar of charges). It covered my entire family and was intended solely to prevent being potentially wiped out should something major happen. It cost me $450/mo to cover my entire family. It was almost half the cost of Express COBRA, so I elected to go that route. As it turned out, nothing happened during that period of time so I have no way to 'test' to see if the plan would've worked as intended by me and my wife. I now have a group plan through my employer which costs me absolutely nothing. My wife's plan is actually cheaper to cover our children, so she has the entire family on her plan while I have just myself on my employer's plan. If for some reason she decided to terminate her employment with her employer, I could easily get my entire family onto my plan without waiting for annual enrollment (change in spouse's coverage counts as a 'major' event). [/QUOTE]
Insert quotes…
Verification
Post reply
Home
Forums
The Competition
FedEx Discussions
Benefits
Top