Got my benefits package

[!Retired!]

 

[MrFedEx]

Exactly. WTF...

 

[StuffItFred]

I got mine in the mail today as well and thought to wipe my MT3 with it and put return to sender/refused! LOL

What a worthless pile of steaming horse flop it is

 

[MrFedEx]

I got mine in the mail today as well and thought to wipe my MT3 with it and put return to sender/refused! LOL

What a worthless pile of steaming horse flop it is

It's truly an insult. When you wipe your MT3, do you wave at Fred as he swirls down toward Hell?

 

[StuffItFred]

It's truly an insult. When you wipe your MT3, do you wave at Fred as he swirls down toward Hell?

Yes, and I give him a courtesy flush to get him that much quicker to his place!

 

[MrFedEx]

Yes, and I give him a courtesy flush to get him that much quicker to his place!

He's well on the way.

 

[!Retired!]

On the brighter side (sic), my 2% raise will cover the raise in what I'd have to pay out of my check.

They might get what they want. My wife will check today about how much it'll cost to add me on her policy. I'm going to miss my doctor, he doesn't take her plan.

 

[bigbird00]

Like Mr. Fedex says more takeaways.Here is just another part of this.In the past the wage increase as I call it its not a raise,we got that on March 1.This year it went to October 7 WHERE IT WILL STAY,so instead of getting the wage increase three months after the insurance goes up its a nine month wait.Why did they do this?just another takeaway to keep our net income down and its part of the $1.7 billion plan.More beat downs to come.Whats next? sick pay,overtime,I,am sure there is a plan.Heard a DD actually say that the ins. plan did not change much.I just about blew my morning brew on that one.AAAAAA hey dumb*** the detuctiable doubled,but hey on there income they can aford the ER trips Right! not us grunts.

 

[!Retired!]

This year it went to October 7 WHERE IT WILL STAY,so instead of getting the wage increase three months after the insurance goes up its a nine month wait.

Insurance enrollment is Oct 15 - Nov 5. This is AFTER your 'wage increase' on the 7th.

the detuctiable doubled,but hey on there income they can aford the ER trips Right! not us grunts.

Don't forget, no more co-pay at the doctors. Under the new plan, your covered 70% (not applied towards deductible) and X-Rays/Labs are covered 70% AFTER you meet deductible.


Just heard from my wife. $393.42 to add me. She's on by herself and pays $0.00.

 

[bigbird00]

Thejackal,Yes open enrollment for( 2014) started 10/15/2013.We have been paying for the 2013 insurance increase since 1/01/2013.The 2% that didn't cover the new cost kicked in 9 months later.10/07/2013.Hope that clears it up for ya.

 

[!Retired!]

Thejackal,Yes open enrollment for( 2014) started 10/15/2013.We have been paying for the 2013 insurance increase since 1/01/2013.The 2% that didn't cover the new cost kicked in 9 months later.10/07/2013.Hope that clears it up for ya.

It does, but the raise in 2013 benefits was AFTER the 5% I got last year.

 

[!Retired!]

Am I reading the package correctly? (Individual, all in network)
Premier $89/mo - Choice $5/mo
Premier deductible vs Choice - $1200 - $2250
Premier maximum out of pocket vs Choice - $3200 - $6250
Neither has a office visit co-pay.
Premiere has an extra 10% coverage for:
PCP
Urgent care
Mental Health
Specialist office visit
Outpatient surgery
Among others

Getting put on my wife's plan would cost $393.42...doh!!! Considering she pays $0.00 now, that's not really an option.

 

[Mr. 7]

That's right.
If you're a single guy (just you on the health plan) and, you're relatively healthy and don't go to the Dr. often, I'd do the cheapy plan. I'm currently on it.

 

[!Retired!]

That's right.
If you're a single guy (just you on the health plan) and, you're relatively healthy and don't go to the Dr. often, I'd do the cheapy plan. I'm currently on it.

The Premiere plan is closer to what I have now with approx. $7.00 increase. Deductible now is $500 and max out of pocket is $2500. The 'cheapy plan' is ridiculous, until you get sick or hurt....watch your wallet.

 

[MrFedEx]

The Premiere plan is closer to what I have now with approx. $7.00 increase. Deductible now is $500 and max out of pocket is $2500. The 'cheapy plan' is ridiculous, until you get sick or hurt....watch your wallet.

Sage advice. One never knows when you'll actually need insurance.

 

[MAKAVELI]

Sage advice. One never knows when you'll actually need insurance.

I for one, am going to max out that hcra even if I'm healthy and don't need to see a doctor.

 

[!Retired!]

I for one, am going to max out that hcra even if I'm healthy and don't need to see a doctor.

There are plenty of options other than the HCSA scam.

You could start a separate savings account just for medical and deposit $X weekly. This takes discipline.
Some banks (mine does) also have a Health Savings Account you can start. The money is tax deductible, interest bearing and there is no 'use it or lose it'.
Another idea would be to start a Christmas Club where you can't touch the money until a certain date. Use a credit card until that date and use that money to pay it off.

 

[MAKAVELI]

There are plenty of options other than the HCSA scam.

You could start a separate savings account just for medical and deposit $X weekly. This takes discipline.
Some banks (mine does) also have a Health Savings Account you can start. The money is tax deductible, interest bearing and there is no 'use it or lose it'.
Another idea would be to start a Christmas Club where you can't touch the money until a certain date. Use a credit card until that date and use that money to pay it off.

No, I'm talking about the $400 they are giving us in the hcra. I will make sure that is used up.

 

[CJinx]

No, I'm talking about the $400 they are giving us in the hcra. I will make sure that is used up.

It is my understanding that the money in the HCRA rolls over year over year, you never lose whatever is in the account until you spend it. Wouldn't it be better to sit on it until it's needed rather than go spend it unnecessarily?

 

[!Retired!]

No, I'm talking about the $400 they are giving us in the hcra. I will make sure that is used up.

I heard about this. Do you have a link?