Home
Forums
New posts
Search forums
What's new
New posts
Latest activity
Members
Current visitors
Log in
Register
What's new
Search
Search
Search titles only
By:
New posts
Search forums
Menu
Log in
Register
Install the app
Install
Home
Forums
Brown Cafe UPS Forum
UPS Union Issues
UPS Health Insurance coverage?
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="gandydancer" data-source="post: 450888" data-attributes="member: 9310"><p>newguy1, so sorry to hear about your wife. I hope things work out for you both.</p><p> </p><p>I gather you know that under the '08 contract you get no health insurance for a year and no dependent coverage for 18 months. Thanks, everyone who voted for it.</p><p> </p><p>There is no one "UPS Insurance", although when you qualify for coverage you may have to take or you will be offered the UPS Health Insurance Plan, depending on where you work. More typically you get your health insurance through the Union, which is paid a capitation by UPS and in turn offers you a selection of plans -- in my case Kaiser and a Blue Cross plan.</p><p> </p><p>I was in the hospital for several weeks in '07 with kidney failure and a near-coma from undiagnosed and out-of-control diabetes and the hospital bill alone was over $235k, plus there were doctor's bills and tests. I paid my $100 annual deductable and a few hundred for some diabetes education that wasn't covered, and that's it. The main financial impact was was a potential future one -- the dent in my $1 million lifetime maximum benefit.</p><p> </p><p>As an uninsured, if you can pay you really get screwed by the medical list prices which are jacked up to offset payer-negotiated discounts. I'm sure you have more pressing things on your mind, but for anyone interested in this subject the podcasts at <a href="http://www.econtalk.org/archives/health/" target="_blank">http://www.econtalk.org/archives/health/</a> are a good thing to listen to at work.</p><p> </p><p>Anyway, hospitals are used to not collecting much from the uninsured, and their pricing is such a joke that you ought feel under no obligation to pay in full what they nominally ask. Unlike some others on this thread I have no specific suggestions as to exactly how you can get out from under. But know what your attitude should be.</p></blockquote><p></p>
[QUOTE="gandydancer, post: 450888, member: 9310"] newguy1, so sorry to hear about your wife. I hope things work out for you both. I gather you know that under the '08 contract you get no health insurance for a year and no dependent coverage for 18 months. Thanks, everyone who voted for it. There is no one "UPS Insurance", although when you qualify for coverage you may have to take or you will be offered the UPS Health Insurance Plan, depending on where you work. More typically you get your health insurance through the Union, which is paid a capitation by UPS and in turn offers you a selection of plans -- in my case Kaiser and a Blue Cross plan. I was in the hospital for several weeks in '07 with kidney failure and a near-coma from undiagnosed and out-of-control diabetes and the hospital bill alone was over $235k, plus there were doctor's bills and tests. I paid my $100 annual deductable and a few hundred for some diabetes education that wasn't covered, and that's it. The main financial impact was was a potential future one -- the dent in my $1 million lifetime maximum benefit. As an uninsured, if you can pay you really get screwed by the medical list prices which are jacked up to offset payer-negotiated discounts. I'm sure you have more pressing things on your mind, but for anyone interested in this subject the podcasts at [URL]http://www.econtalk.org/archives/health/[/URL] are a good thing to listen to at work. Anyway, hospitals are used to not collecting much from the uninsured, and their pricing is such a joke that you ought feel under no obligation to pay in full what they nominally ask. Unlike some others on this thread I have no specific suggestions as to exactly how you can get out from under. But know what your attitude should be. [/QUOTE]
Insert quotes…
Verification
Post reply
Home
Forums
Brown Cafe UPS Forum
UPS Union Issues
UPS Health Insurance coverage?
Top