Unfortunately, if our ankles snap off, we'll be forced to pay so much out of pocket, we'd better off to quit and go on welfare/medicare etc.... or as an alternative we can die, and the death benefit would be the most cost effective use of our insurance..
"Catastrophic coverage" is what we have now, what we are getting is next year is criminal. From what I read the family deductible will be increasing from 1500 to 3600. For those of you who aren't good with math that comes out to an additional $300/month. No info yet on paycheck deduction but rest assured its increasing. Currently it's around $80/wk.That ALONE puts the annual cost for a family $7500. This is before the plan pays for anything other than wellness visits (gee thanks!) It is also my understanding that visits to a specialist will be subject to the deductible. This is the premier plan too. Anyone with dependents or in need of specialty care themselves be prepared! (Sarcasm who could possibly prepare for that) Currently it cost $50copay. From my personal experience with my son his visits run about $400. That will be my responsibility each visit up to $3600. I believe copays to PCP have been eliminated and our responsibility will be 20% If visit is billed at $200 you will pay $40. Currently it's $25. PCP visits won't be subject to deductible(gee thanks!) Basically this is how ill sum things up. If you are lucky enough stay healthy throughout next year after you pay your monthly premiums you will lose money on your investment in your healthcare.(fed ex is counting on this for many participants) You will help differ fedex's cost on participants that actually meet the insane deductible. If you or any of your dependents need medical services you will pay dearly differing costs to fedex until the above mentioned $7500 threshold. Then and only then will fedex incur any costs. Leave it fedex to screw you either way. They should be able to reach record profits on this measure alone,
I would bet upper mgmnt has a much differ plan than this. Ops mgr prob not they are
upon like us now more than ever
Exactly FedEx doesn't "give" us anything. You will receive $400 employee and $800 family. As stated in my earlier post that amount of money could vanish in one or two trips to a specialist. It is merely a way to try and spin the astronomical increases to the kool aid drinkers. Many will believe FedEx is doing them a "solid". If you manage to roll any the money over you will have lost out on every dollar you paid in monthly premiums. I would never recommend dropping insurance and just paying at the doc in the box places when you get sick but I have heard some employees contemplating this.(Younger single ones who claim they never get sick) At these prices it way be a risk worth taking
