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Fed ex health plan not much of a benefit
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<blockquote data-quote="MrFedEx" data-source="post: 1149701" data-attributes="member: 12508"><p>Our insurance plans are a complete joke. We basically help Fred subsidize his self-insurance medical and dental scam with ultra-high premiums and ridiculous deductibles. The OP makes the very valid point that you can be "insured" at FedEx, and still go bankrupt because the plans are a joke. Express management always uses terminology like "we offer industry-leading plans at reasonable cost". Really? That is total CRAP, because Fred pawns-off every cost he possibly can onto the employee and then whines that "health care costs are skyrocketing, and the employee needs to share the responsibility". </p><p></p><p>Again...more BS. While health care costs are certainly rising, Fred is shifting a much higher proportion of the burden onto employees. In other words, FedEx shifts more "responsibility" onto the employee every year. The net effect of this is far less take-home pay, or simply put, a defacto takeaway that can kill a family financially, especially if someone has a serious medical condition. I totally understand where the OP is coming from because I know of several other employees in the exact same situation. If you have a family member who sees multiple doctors and needs specialized tests often, you are up Sheet Creek without a paddle, because YOUR share of the costs will be ridiculous. Add to this the fact that CIGNA and/or Anthem frequently challenge bills, or refuse to pay charges that are "above customary and prevalent rates" or whatever that BS line is that they always use. The translation is that CIGNA and Anthem won't pay regular rates, and then they try and negotiate what they WILL pay down to a point where providers don't even want to deal with them. How many doctors won't even take CIGNA or Anthem these days... a lot. </p><p></p><p>Just another reason that FedEx sucks. No employee should have to get assistance from fellow employees just to cover medical costs THAT SHOULD ALREADY BE COVERED!!!!!</p></blockquote><p></p>
[QUOTE="MrFedEx, post: 1149701, member: 12508"] Our insurance plans are a complete joke. We basically help Fred subsidize his self-insurance medical and dental scam with ultra-high premiums and ridiculous deductibles. The OP makes the very valid point that you can be "insured" at FedEx, and still go bankrupt because the plans are a joke. Express management always uses terminology like "we offer industry-leading plans at reasonable cost". Really? That is total CRAP, because Fred pawns-off every cost he possibly can onto the employee and then whines that "health care costs are skyrocketing, and the employee needs to share the responsibility". Again...more BS. While health care costs are certainly rising, Fred is shifting a much higher proportion of the burden onto employees. In other words, FedEx shifts more "responsibility" onto the employee every year. The net effect of this is far less take-home pay, or simply put, a defacto takeaway that can kill a family financially, especially if someone has a serious medical condition. I totally understand where the OP is coming from because I know of several other employees in the exact same situation. If you have a family member who sees multiple doctors and needs specialized tests often, you are up Sheet Creek without a paddle, because YOUR share of the costs will be ridiculous. Add to this the fact that CIGNA and/or Anthem frequently challenge bills, or refuse to pay charges that are "above customary and prevalent rates" or whatever that BS line is that they always use. The translation is that CIGNA and Anthem won't pay regular rates, and then they try and negotiate what they WILL pay down to a point where providers don't even want to deal with them. How many doctors won't even take CIGNA or Anthem these days... a lot. Just another reason that FedEx sucks. No employee should have to get assistance from fellow employees just to cover medical costs THAT SHOULD ALREADY BE COVERED!!!!! [/QUOTE]
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