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UPS Health Care 2010 in VISION - Non-union
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<blockquote data-quote="Crumbx" data-source="post: 587857" data-attributes="member: 24661"><p>"I think your interpretation may be off in this one respect ... understandable with the cryptic outline in Visions. The briefings I have had indicate that there is an out-of-pocket maximum of around $3500 per individual per year. We will find out over the next two weeks as more info comes out. Definitely a change in concept and moving towards a true insurance plan to cover catastrophic events."</p><p> </p><p>Hoaxster, I agree with you that UPS is definitely moving in the direction of catastrophic insurance only. From the Visions brochure, I noticed that a Traditional PPO and a Healthy Savings PPO offered. Which Plan would that maximum of $3,500 out of pocket cost apply to? In Massachusetts, the new Health Insurance law would make that "plan" illegal because it simply doesn't provide enough coverage But since UPS is "SELF-INSURED" they make their own rules. No existing insurance laws cover them at all. </p><p>And another point--many so-called insurance plans limit the kinds of medical expenses that even go towards the maximum quoted "out-of- pocket " cost. Many times health care plans deem cancer treatment protocols medically unnecessary. The average cancer patient WITH insurance in the United States incurs $35,000 of out-of-pocket expense during the course of treatment. Here's what will be a common scenario: your "share" of the "premium" for the Traditional PPO will probably be $5,000 per year for a family plan (presently at about $4,200 in my state). That maximum out of pocket cost normally applies separately to every member of a family in a Family Plan on an annual basis. Catastrophic is right. The question is, will an average non-union employee at UPS even be making enough in pay to cover their health costs for the year?</p></blockquote><p></p>
[QUOTE="Crumbx, post: 587857, member: 24661"] "I think your interpretation may be off in this one respect ... understandable with the cryptic outline in Visions. The briefings I have had indicate that there is an out-of-pocket maximum of around $3500 per individual per year. We will find out over the next two weeks as more info comes out. Definitely a change in concept and moving towards a true insurance plan to cover catastrophic events." Hoaxster, I agree with you that UPS is definitely moving in the direction of catastrophic insurance only. From the Visions brochure, I noticed that a Traditional PPO and a Healthy Savings PPO offered. Which Plan would that maximum of $3,500 out of pocket cost apply to? In Massachusetts, the new Health Insurance law would make that "plan" illegal because it simply doesn't provide enough coverage But since UPS is "SELF-INSURED" they make their own rules. No existing insurance laws cover them at all. And another point--many so-called insurance plans limit the kinds of medical expenses that even go towards the maximum quoted "out-of- pocket " cost. Many times health care plans deem cancer treatment protocols medically unnecessary. The average cancer patient WITH insurance in the United States incurs $35,000 of out-of-pocket expense during the course of treatment. Here's what will be a common scenario: your "share" of the "premium" for the Traditional PPO will probably be $5,000 per year for a family plan (presently at about $4,200 in my state). That maximum out of pocket cost normally applies separately to every member of a family in a Family Plan on an annual basis. Catastrophic is right. The question is, will an average non-union employee at UPS even be making enough in pay to cover their health costs for the year? [/QUOTE]
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