TeamCare

[UpstateNYUPSer(Ret)]

Participating providers = no deductible.


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[BrownBrokeDown]

Smarter than who... people who dont have a deductible? Id think the people who figured how to avoid deductibles would be smarter

how many blue-collar people do you think still don't have deductibles? (Hint...we are one of the last in the US)

 

[upschuck]

My question is since we will now pay in the fourth and fifth years of the contract, if my wife has better insurance where she works how do I opt out of teamcare and get the money that UPS pays for my health and welfare, so I can pay for the better plan my wife can get. Before this contract never had a reason to ask this question the insurance was great and we were not paying. Also after being in a multi employer pension has not worked out so good why would I want to be in an multi employer insurance plan.

A better solution would be to make UPS primary insurance and get secondary at your wife's work if that deductible is worrying you that much. Should be pretty cheap since Teamcare is good.

You won't get any monies back from UPS, and I doubt you can even not enroll, since it is automatic. I have never sent anything in for my insurance.

 

[BrownBrokeDown]

A better solution would be to make UPS primary insurance and get secondary at your wife's work if that deductible is worrying you that much. Should be pretty cheap since Teamcare is good.

You won't get any monies back from UPS, and I doubt you can even not enroll, since it is automatic. I have never sent anything in for my insurance.

I went through this with dental insurance. 1st, the primary insurance is the one you have had the longest regardless of which one is the best. 2nd, the secondary insurance has all kinds of loopholes to get out of paying anything. It is not worth carrying 2 insurances.

 

[oldngray]

It is a really bad idea to have a 2nd insurance. It just gives both insurance companies an excuse to argue about what they will or won't pay for. (I'm not talking about supplemental insurance which is different).

 

[upschuck]

I know, but the question was raised about wanting other insurance, and was proposing alternatives. Didn't know that regardless of wants, that the longest held insurance was primary. Learn something everyday.

 

[BrownBrokeDown]

I know, but the question was raised about wanting other insurance, and was proposing alternatives. Didn't know that regardless of wants, that the longest held insurance was primary. Learn something everyday.

Yeah, its actually a federal law from what i understand.

 

[UpstateNYUPSer(Ret)]

It is a really bad idea to have a 2nd insurance. It just gives both insurance companies an excuse to argue about what they will or won't pay for. (I'm not talking about supplemental insurance which is different).

This is not true---it is ideal to have a spouse with a second policy (provided you don't have to pay for it)----anything the primary doesn't pay is usually covered by the secondary.

 

['Lord Brown's bidding']

We don't have to "pay" for our health insurance; in the fifth year there is a deductible ($100 for singles, $200 for families), but that is no where near the same.

I pay for my car insurance, a premium. In addition, if I have an accident I must pay my deductible, which is for me $500 (to make the premium less; I had $250). I can avoid paying the deductible by avoiding accidents, but no matter what I still "pay" for the insurance via the premium.

With Teamcare there is no premium, no "price we pay" for the plan. So, if you don't get sick you won't pay deductibles, and thus won't pay towards your insurance. And the $200 deductible is rather low.

Before some say I am settling and ok with concessions, it should be pointed out - again- that UPS intended to get out of providing us insurance. I don't believe that was just some story, as we saw what they did to their non - union employees, who now have a premium as well as a deductible.

 

[kingOFchester]

Do we need referrals to se specialist?

EDIT. Looks like that is a no.


Now, lets say you are admitted into the hospital and you need an MRI OR X-RAY. Do you still have to go to US Imaging to be covered at 100%?

Thanks

 

['Lord Brown's bidding']

No referrals. For those unaware, if you had Blue Cross Blue Shield under UPS that is what administers Teamcare. Ergo, nothing changes. It is a PPO, too, so no referrals needed.

 

[UpstateNYUPSer(Ret)]

No referrals. For those unaware, if you had Blue Cross Blue Shield under UPS that is what administers Teamcare. Ergo, nothing changes. It is a PPO, too, so no referrals needed.

You do need a referral to see a specialist for non-emergent medical issues.

 

[Barney-style]

Does anyone know how long after you get your 30 in ninety and become full time ( feeder),
will you get insurance.

Thanks for your help in advance

 

['Lord Brown's bidding']

You do need a referral to see a specialist for non-emergent medical issues.

That's not what I got from that conference call last night, nor is that how I recall PPOs work. The UPS plan we currently have is a POS. Last night the speaker said we'd have a PPO. Even in a POS, I've read so long as you stay in network it is recommended, but not required, that you get a referral.

I could be wrong, so I'll look forward to the plan summary. To be honest, I've always gotten referrals anyway, even in a PPO.

 

[UpstateNYUPSer(Ret)]

We have BC/BS PPO and have always needed a referral to see a specialist for non-emergent medical care.


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[BrownBrokeDown]

This is not true---it is ideal to have a spouse with a second policy (provided you don't have to pay for it)----anything the primary doesn't pay is usually covered by the secondary.

This is not true. Second policies don't usually cover anything. If an item was submitted to the first policy and is covered, you cannot submit the remaining owed to the 2nd policy with any realistic hope of them paying anything. They can pay on it if they want to, but in my experience it didn't happen. They said "Well, you already had insurance pay on it, so we're sorry but your SOL. Mawahahahahah. Thats what you get for spending $150 per week when you have free insurance at UPS." Well, I might be paraphrasing and using literary license a little, but you get the picture. About the only time it would actually work, is if the 1st policy did not cover something, but the 2nd did. In that case, i believe, the 2nd policy would pay. But realistically most insurances cover the same things, just at different levels of co-pay. I am talking about a 2nd full insurance, not supplemental insurance. Supplemental insurance is never a bad thing.

 

[UpstateNYUPSer(Ret)]

This may have changed but when I was married we both had our own insurance and we would use my insurance as primary, hers as secondary and we never had to pay out of pocket.

 

[BrownBrokeDown]

This may have changed but when I was married we both had our own insurance and we would use my insurance as primary, hers as secondary and we never had to pay out of pocket.

I'm not sure how long ago that was, but from the way Aetna explained it, it was a recent change by the Federal Gov't. I could be wrong about the time frame though.

 

[BrownBrokeDown]

1 other thing. you would also have to watch what kind of insurance the other one is. there is at least one type that it is federally illegal to hold any other insurance with. My 1st job has HSA and HRA and it is one of those, but I don't remember which one after having left them 3 years ago.

 

[QKRSTKR]

Do we need referrals to se specialist?

EDIT. Looks like that is a no.


Now, lets say you are admitted into the hospital and you need an MRI OR X-RAY. Do you still have to go to US Imaging to be covered at 100%?

Thanks

From the call last night if it's an emergency and it is done at the hospital as an emergency it's covered 100%.

A follow up say MRI that you would schedule would only be payed at 80% if not us image