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UPS Union Issues
New TEAMCARE deductibles
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<blockquote data-quote="Bagels" data-source="post: 1133835" data-attributes="member: 43436"><p>Maintaining the status quo benefits wasn't an option. If we were to receive it, we'd have to strike, which would lead to a devastating number of job losses. Ironically, the persons most affected are the low-seniority PTers complaining about the minor changes. Honestly, if you haven't vested much time into UPS, then you should have no problem finding a new PT job that offers excellent, no-cost benefits. Oh, wait...</p><p></p><p><span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'">Typically, a doctor charges an escalating office visit fee as well as fees for services rendered. Under most insurances, you'd pay the co-pay toward the office visit, then 100% of the fees for services rendered until your deductible has been met. So if you have a $100 deductible & went to an in-network doctor and his bill is adjusted to $85 for the office visit, $90 for some x-rays and $30 for lab work, you'd pay $10 for the office visit, $100 toward the x-ray and lab work, then your co-insurance (10%) for the remaining $30. Then whenever you see the doctor again, you'd pay $10 + your co-insurance.</span></p><p><span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'"></span>"Major Medical" is everything billed to you. Typically, co-pays do not count toward deductible or out of pocket costs but it varies from plan to plan. Deductibles do count toward maximum out of pocket. Once you reach that point, your care is covered at 100%.</p><p></p><p><span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'">It may or may not change - those details haven't been decided / released. Most family doctors accept every major insurance provider, so I doubt it will be a problem. May be for some specialists.</span></p><p><span style="font-family: 'Verdana'"></span></p></blockquote><p></p>
[QUOTE="Bagels, post: 1133835, member: 43436"] Maintaining the status quo benefits wasn't an option. If we were to receive it, we'd have to strike, which would lead to a devastating number of job losses. Ironically, the persons most affected are the low-seniority PTers complaining about the minor changes. Honestly, if you haven't vested much time into UPS, then you should have no problem finding a new PT job that offers excellent, no-cost benefits. Oh, wait... [FONT=Verdana] Typically, a doctor charges an escalating office visit fee as well as fees for services rendered. Under most insurances, you'd pay the co-pay toward the office visit, then 100% of the fees for services rendered until your deductible has been met. So if you have a $100 deductible & went to an in-network doctor and his bill is adjusted to $85 for the office visit, $90 for some x-rays and $30 for lab work, you'd pay $10 for the office visit, $100 toward the x-ray and lab work, then your co-insurance (10%) for the remaining $30. Then whenever you see the doctor again, you'd pay $10 + your co-insurance. [/FONT] [FONT=Verdana] [/FONT]"Major Medical" is everything billed to you. Typically, co-pays do not count toward deductible or out of pocket costs but it varies from plan to plan. Deductibles do count toward maximum out of pocket. Once you reach that point, your care is covered at 100%. [FONT=Verdana] It may or may not change - those details haven't been decided / released. Most family doctors accept every major insurance provider, so I doubt it will be a problem. May be for some specialists. [/FONT] [/QUOTE]
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