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<blockquote data-quote="Ricochet1a" data-source="post: 1170337" data-attributes="member: 22880"><p>So it looks like the deductible for a family plan will be $3500 a year under the 2014 plan. I got an email that the individual deductible will be $1500 - not sure if this is JUST for the individual plan, OR if it applies as well to the family plan (deductible for an individual covered under family plan is capped at $1500, then benefits kick in OR the entire $3500 must be accumulated first for ALL members in a family plan). Any way one looks at it - it is a reduction in benefit. </p><p></p><p>What it looks like Express will do in order to sell this pile of crap, is 'offer' contributions to HSA in the amount of $400 a year for individuals or $800 a year for family plans (I expect this to be the 'smiley face' they will slap on this pile of crap). This is all new procedure allowed under Obamacare, so I'm not too familiar with the inner workings of it. I'm also not sure if the prescriptions are included in the above coverage - or are a separate benefit. Whether or not prescriptions are included or excluded in the annual deductible amount will be the determining factor in whether this is a wholesale shafting of all employees, or just a mild ankle grabber for most. </p><p></p><p>It appears that the above amounts will be deposited by Express in HSAs, then the employee (family) can use this amount to pay for billings. If the employee doesn't use all of the amount deposited, then the cash rolls over to the next year - presumably with the ability to roll over indefinitely into retirement if it is never used (unclear on this). </p><p></p><p>Then with the changes being kicked about to what is covered under office visits and copays, etc, it look like the typical, young, HEALTHY employee will have no real net change in their out of pocket expense. Employees that have any health issues (or covered family members with chronic health issues), will LOSE big time under this arrangement. </p><p></p><p>This is what makes me wonder... The older, salaried employee with health issues (or a spouse or child with health issues - 'children' are now up to age 26 regardless of marital status) are going to take it disproportionally harder than the younger, healthy employee. Is this a back door attempt to push these employees out to get a younger (and less costly) employee by FedEx???</p></blockquote><p></p>
[QUOTE="Ricochet1a, post: 1170337, member: 22880"] So it looks like the deductible for a family plan will be $3500 a year under the 2014 plan. I got an email that the individual deductible will be $1500 - not sure if this is JUST for the individual plan, OR if it applies as well to the family plan (deductible for an individual covered under family plan is capped at $1500, then benefits kick in OR the entire $3500 must be accumulated first for ALL members in a family plan). Any way one looks at it - it is a reduction in benefit. What it looks like Express will do in order to sell this pile of crap, is 'offer' contributions to HSA in the amount of $400 a year for individuals or $800 a year for family plans (I expect this to be the 'smiley face' they will slap on this pile of crap). This is all new procedure allowed under Obamacare, so I'm not too familiar with the inner workings of it. I'm also not sure if the prescriptions are included in the above coverage - or are a separate benefit. Whether or not prescriptions are included or excluded in the annual deductible amount will be the determining factor in whether this is a wholesale shafting of all employees, or just a mild ankle grabber for most. It appears that the above amounts will be deposited by Express in HSAs, then the employee (family) can use this amount to pay for billings. If the employee doesn't use all of the amount deposited, then the cash rolls over to the next year - presumably with the ability to roll over indefinitely into retirement if it is never used (unclear on this). Then with the changes being kicked about to what is covered under office visits and copays, etc, it look like the typical, young, HEALTHY employee will have no real net change in their out of pocket expense. Employees that have any health issues (or covered family members with chronic health issues), will LOSE big time under this arrangement. This is what makes me wonder... The older, salaried employee with health issues (or a spouse or child with health issues - 'children' are now up to age 26 regardless of marital status) are going to take it disproportionally harder than the younger, healthy employee. Is this a back door attempt to push these employees out to get a younger (and less costly) employee by FedEx??? [/QUOTE]
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